The education library
Understand the policy.
Understand the possibilities.
Practical explanations for homeowners navigating unfamiliar insurance terms and difficult coverage decisions.
Coastal Wind, Hail and Hurricane Coverage
One storm can create several causes of loss. Coastal insurance research works best when wind, flood, and the rest of the household’s protection are reviewed separately.
02FAIR Plan Questions and Answers
These answers explain what to check and where national generalizations end. Your state’s current program and the issued policy determine the actual terms.
03FAIR Plan vs. Standard Homeowners Insurance
The right comparison starts with the policies available for your property, not assumptions about what either label includes.
04Home Insurance After Multiple Claims
Several claims can make an insurance search more complicated, but a clear loss history and documented repairs help you evaluate the options that remain.
05How to Compare Homeowners Insurance Policy Forms
A useful policy comparison follows the same questions through every document and records exactly where each answer is found.
06Understanding Surplus-Lines Homeowners Insurance
Surplus lines can be a private-market option for a difficult home, with important differences in policy terms, placement rules, and financial protections.
07What Is a FAIR Plan? A Homeowner’s Guide
A FAIR Plan can be an important property-insurance option, but its name does not tell you what a particular policy covers.
08What to Do After a Homeowners Insurance Nonrenewal
A nonrenewal creates a deadline, not proof that every insurer will decline the home. An organized response makes the remaining choices clearer.
09Wildfire Risk and Home Insurance
Wildfire preparation has two related tasks: reducing physical risk and understanding the insurance available for the home. Neither substitutes for the other.