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According to the Red Cross, 80% of Americans don’t realize that small house fires are the single most common disaster in the United States. House fire aftermath can cause an immense amount of damage throughout the entire house, inside and out. So, how do houses catch on fire? There are a lot of risks around the home that people may take for granted. Whether you are dealing with a small kitchen fire, an electrical fire, a dryer fire, or maybe even an outdoor grill fire; there

Think of home insurance as an umbrella. If you buy one, you should be covered when it rains, if you buy one, right? But what if you open your brand-new umbrella during a storm just to find out it's riddled with holes? Not only are you soaked, but you're left wondering what your money went to in the first place. Home insurance operates similarly. Many assume that if they have a policy, they’re protected no matter what, only to find out their policy has a lot of gaps once they

After a natural disaster, many homeowners are shocked to discover their insurance policies don’t cover the full cost of repairs or rebuilding. According to Karen Collins, Vice President of the American Property Casualty Insurance Association (APCIA), this often happens because homeowners fail to update their policies to reflect rising construction costs and inflation. Since 2020, the cost of building materials has surged by 35.4%, and labor costs have increased by 30%. Despit

What Is the 80% Rule for Home Insurance? Most insurance companies adhere to the 80% rule. According to the standard, an insurer will only cover the cost of damage to a house or property if the homeowner has purchased insurance coverage equal to at least 80% of the house's total replacement value. If the amount of coverage purchased is less than the minimum 80%, the insurance company will only reimburse the homeowner a proportionate amount of the required minimum coverage that