- The Wildfire Score on Your Address (and How to Argue With It)
Carriers score wildfire risk by parcel now, and your mitigation actually moves the answer. Defensible space zones, home hardening, and staying insurable in fire country.
- Frozen Pipes: Winter’s Biggest Claim Comes With Homework Attached
Burst pipes are winter's biggest claim, and policies attach conditions: maintain heat or drain the system. What's covered, what voids it, and the $40 prevention list.
- The Worst Paperwork in Insurance, and the 30 Minutes That Deletes It
After a total loss, you'll be asked to list everything you owned, from memory, while displaced. A 30-minute video inventory changes that claim entirely.
- The Special Limits Hiding Under Your Valuables (and How Scheduling Fixes Them)
Your policy caps jewelry theft around $1,500 and firearms similarly. How special limits work, when to schedule items or use a floater, and what appraisals you need.
- Hosting on Airbnb or VRBO: What Your Homeowners Policy Thinks About Guests Who Pay
Homeowners policies exclude business activity, and hosting is business. Platform protections, host endorsements, and when you need a true short-term rental policy.
- The Accidental Landlord’s Insurance Problem
Rent out a house on a homeowners policy and you're carrying the wrong contract. Dwelling fire policies, loss of rents, tenant liability, and the renters-insurance requirement.
- Condo Insurance: The Policy That Starts Where the Association’s Ends
Condo owners insure from the walls in, and where "in" begins depends on the association's master policy. HO-6 coverage, loss assessments, and the deductible trap.
- Solar on the Roof: What Your Policy Thinks of Your Power Plant
Rooftop solar is usually covered as part of the dwelling, if your limits grew with it. Leases vs ownership, ground mounts, batteries, and the hail question.
- The Gadgets Your Insurer Actually Cares About
Water sensors, monitored alarms, smart smoke detectors, auto-shutoff valves: which devices earn real discounts, which prevent real claims, and which are just gadgets.
- The House You Had vs. the House the County Will Allow: Ordinance & Law Coverage
Your policy rebuilds the house you had; the county requires the house code demands. Ordinance and law coverage bridges that gap, and older homes need more of it.
