The Claimfrog Blog

Guides on home inventories, insurance coverage and getting claims paid.

Knife, wooden spoons, whisk, plates, a saucepan and an espresso machine laid out in rows on a wooden kitchen counter

Home Inventory Checklist: What to Record in Every Room

A home inventory checklist covers every room, closet and storage space, with photos, values and receipts, so you can prove what you owned after a loss.

Claimfrog Team

October 24, 2026· 9 min read

Level, tape measure, pencil and a box of sage green tiles on a plywood subfloor beside a tiled wall

Home inventory

DIY Home Improvements: How to Document Them for Insurance

Document DIY home improvements with before, during and after photos, receipts and permits, then tell your insurer, so a claim reflects what you actually built.

Claimfrog Team

October 29, 2025· 8 min read

White shaker-cabinet kitchen with brass pendant lights, a farmhouse sink and an island with two green stools

Coverage & values

Kitchen Remodel Insurance: How to Update Your Coverage

Kitchen remodel insurance means updating your policy after the work: tell your insurer the cost and scope, then check that your dwelling limit covers a rebuild.

Claimfrog Team

October 8, 2025· 7 min read

House keys on a keyring beside a small model house on a wooden table

Coverage & values

Home Insurance Policy Types: HO-1 to HO-8 Explained

Home insurance policy types run from HO-1 to HO-8. Each fits a different home and covers named perils or any cause not excluded. HO-3 is the most common.

Claimfrog Team

September 30, 2025· 9 min read

Modern white kitchen with stainless steel appliances and black pendant lights

Coverage & values

Home Insurance Discounts: 7 Upgrades Insurers Reward

Home insurance discounts for upgrades like stronger roofs, wind mitigation and alarms vary by insurer and state. Here are 7 upgrades and how to claim one.

Claimfrog Team

September 8, 2025· 8 min read

Bright open-plan living room with sofas, a dining table and large windows

Home inventory

How to Make a Home Inventory for Insurance, Step by Step

A home inventory is a list of what you own, with photos, values and proof of purchase. Here is why insurers ask for one and how to make yours, step by step.

Claimfrog Team

August 12, 2025· 8 min read

Fenced backyard swimming pool with purple petunias on a sunny day

Coverage & values

5 Home Changes That Can Raise Home Insurance Costs

A pool, trampoline, wood stove, unpermitted work or a new dog can raise home insurance costs or cause claim problems. Tell your insurer before the change.

Claimfrog Team

July 26, 2024· 9 min read

Armchair, bookshelf and potted fiddle-leaf fig in an attic room with a metal bucket and a water stain on the wall

Claims

7 Insurance Claim Mistakes Homeowners and Renters Make

The most common insurance claim mistakes are reporting late, discarding damaged items, keeping no records and settling too fast. Here is how to avoid each one.

Claimfrog Team

July 26, 2024· 9 min read

Suburban house roof with a blue tarp and wooden battens covering a damaged section of shingles

Disasters & seasons

Rising Home Insurance Costs: Is Climate Change to Blame?

Rising home insurance costs come from several causes: weather and catastrophe losses, higher rebuilding costs, reinsurance prices and, in some states, lawsuits.

Claimfrog Team

July 26, 2024· 7 min read

Sunlit apartment living room with a sofa, bookshelf, plants and a window overlooking brick buildings

Renters

What Is Renters Insurance, and Why Do You Need It?

Renters insurance generally covers your belongings, personal liability and extra living costs after a covered loss, not the building. Here is how it works.

Claimfrog Team

July 26, 2024· 8 min read