Homeowners Insurance Estimator

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When Bundling Home and Auto Actually Saves Money (and When It Doesn’t)

Bundle discounts can be great, but not always. Here’s how to compare apples-to-apples and avoid overpaying for convenience.

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How Claims History Impacts Premium

ByEditorial Team· Last updated 2025-08-29

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Home Insurance Endorsements Explained: Water Backup, Ordinance or Law, and Scheduled Property

A plain-English guide to three common endorsements—what they cover, when you need them, and how they can affect your premium.

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HO‑3 vs HO‑5: What’s the Difference?

ByEditorial Team· Last updated 2025-08-29

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Deductibles 101: How Your Choice Changes Premiums and Claim Decisions

Understand flat vs percentage deductibles, wind/hail and hurricane deductibles, and a simple way to pick the right amount for your budget.

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Roof Age & Material: How They Affect Your Rate

ByEditorial Team· Last updated 2025-08-29

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Wildfire Risk & Insurance Availability

ByEditorial Team· Last updated 2025-08-29

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Wind/Hail Deductibles Explained

ByEditorial Team· Last updated 2025-08-29

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