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What Is Umbrella Insurance, and How Does It Work?
If someone sues you for damages above your primary liability limits, an umbrella policy helps pay what you owe.
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Homeowners Insurance
Explore NerdWallet's home insurance resources, including coverage guides, average costs and our picks for the best home insurers.
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How to Find the Best Umbrella Insurance
Start with your existing home or auto insurer.
What Is Homeowners Insurance, and What Does It Cover?
Homeowners insurance covers damage to your home and belongings caused by fire, heavy wind and other disasters.
Unoccupied and Vacant Home Insurance: What to Know
If your house goes empty for more than a month or two, you might need special coverage.
Earthquake Insurance: What You Need to Know
Homeowners and renters insurance doesn’t usually cover earthquake damage, so you may need extra coverage if you live near a fault.
Complete Guide to Hurricane Insurance
A homeowners insurance policy alone won’t cover all potential hurricane damage to your home. Here's what you need to know.
What Is Flood Insurance, and What Does It Cover?
Flood insurance covers water damage from heavy rain, melting snow and overflowing bodies of water.
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Latest articles
Survey: About Half of Insured Americans Financially Stressed by Premiums
A new NerdWallet survey finds that 49% of Americans with auto insurance and 46% of those with homeowners insurance are stressed about the costs of their insurance premiums.
Hail, Not Hurricanes, Is Driving Up Insurance Rates: How to Save
Homeowners insurance now costs more in the Midwest than in disaster-prone states like California and Florida. Here’s what to do about it.
Is Your Home Underinsured? Here’s How to Tell.
Knowing how much it would cost to rebuild your home is crucial. Unfortunately, far too many homeowners have no idea.
Estimate What It Would Cost to Replace Your Home
Use our replacement cost calculator to see if you have enough insurance to rebuild a home in your area.
Check Your Home Insurance Now, Avoid Regret Later
To get adequate homeowners insurance coverage, know which questions to ask.
Wildfires Ignite Insurance Crisis: What’s Next for Californians?
Insuring homes in fire-prone areas was already an issue, even with overdue reforms, and the state’s FAIR plan is underfunded.
What Is Service Line Coverage for Homeowners?
Service line coverage can pay to fix damaged water, gas, sewer or other underground utility lines.
What Is Water Backup Coverage, and Do You Need It?
Water backup coverage can pay for damage to your home if a sewer or drain backs up or a sump pump overflows.
Does Homeowners Insurance Cover Foundation Issues?
Home insurance will cover foundation damage in limited circumstances.
Home Insurance Companies May Use Aerial Images to Drop Policies
Insurance companies may check photos of your home before deciding whether to renew your policy.
Does Home Insurance Cover Tornado Damage?
Tornado damage is usually covered by a standard homeowners insurance policy, but there are exceptions.
Does Homeowners Insurance Cover Septic Systems?
Home insurance may pay to repair septic tanks that are damaged by an event your policy covers.
How to Find the Best Umbrella Insurance
Start with your existing home or auto insurer.
What Is Guaranteed Replacement Cost Coverage?
With guaranteed replacement cost, you don’t have to worry about gaps in coverage after a disaster.
What Is Extended Replacement Cost Coverage?
Extended replacement cost coverage can provide a buffer against being underinsured.
What Is an Elevation Certificate?
Getting an elevation certificate may help you qualify for lower flood insurance rates.
What Is Force-Placed Insurance for Homeowners?
If you don’t have enough insurance to satisfy your mortgage requirements, your lender may buy force-placed insurance.
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What Is Scheduled Personal Property Coverage for Homeowners?
Scheduled personal property coverage is worth a look if you have expensive belongings that aren’t fully covered by your home insurance policy.
What Is Inflation Guard for Home Insurance?
Inflation guard ensures your home insurance keeps pace with the actual cost to repair or rebuild your home.
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What to Expect from a Home Insurance Inspection
You might need an inspection before an insurance company will cover your home.
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