Homeowners Insurance Estimator

Blog

HO‑3 vs HO‑5: What’s the Difference?

Open‑perils vs named‑perils for contents, sub‑limits, and when the upgrade makes sense.

Roof Age & Material: How They Affect Your Rate

Why underwriters care about roofs.

Wind/Hail Deductibles Explained

Flat vs percentage deductibles and how to pick a level you can afford.

How Claims History Impacts Premium

Look‑back periods, types of claims that matter, and mitigation strategies.

Wildfire Risk & Insurance Availability

WUI considerations.