Coverage & values guides
Replacement cost, actual cash value, limits and policy types explained, so you know what your belongings are really insured for.
Coverage & values
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.
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October 8, 2025· 7 min read
Coverage & values
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.
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September 30, 2025· 9 min read
Coverage & values
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.
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September 8, 2025· 8 min read
Coverage & values
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.
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July 26, 2024· 9 min read