The home insurance market has changed faster in the last four years than in the previous twenty. Premiums have risen sharply, insurers have withdrawn from entire regions, and non-renewal notices are arriving at homes that have never filed a claim.
These guides explain what is happening, what your options are, and what a homeowners policy does and does not cover — before you need to find out the hard way.
Standard homeowners policies do not cover flood damage. Flood coverage is separate, usually through the National Flood Insurance Program or a private carrier, and it typically has a waiting period before it takes effect. Many homeowners learn this after a storm rather than before one.
We're writing this section carefully rather than quickly — every guide is checked against primary sources before it goes up. Check back shortly, or start with another section from the menu above.
This page explains a general process. It is not advice about your specific policy or claim. Insurance rules vary by state and by policy, and they change.
Read your own policy documents, and for anything with money or deadlines at stake, talk to a licensed agent, a licensed public adjuster, or your state Department of Insurance — contacting your Department of Insurance is free.