Last updated: December 14, 2025 Written by Balotellio_Writer, Home Insurance & Safety Basics Educator If you’ve ever filled out a home insurance quote, you’ve probably seen questions like: Now insurers are going a step further: many will give extra savings if you install smart smoke detectors and CO (carbon monoxide) alarms – especially if they’re …
Last updated: December 08, 2025Written by Balotellio_Writer, Home Insurance & Smart Home Basics Educator If you’ve heard that installing leak sensors can earn a water leak detector insurance discount, you’re not imagining it. Insurers are getting hammered by water damage claims, so they’re quietly rewarding people who install smart water leak detectors and automatic shutoff valves. In …
Last updated: December 06, 2025Written by Balotellio_Writer, Home Insurance & Money Basics Educator You finally think your homeowners insurance is sorted… then your agent or quote page throws these at you: And you’re left wondering: “Are these just upsells, or do I actually need them?” This guide is your “home insurance endorsements explained” cheat sheet.We’ll cover what …
Last updated: December 05, 2025Written by Balotellio_Writer, Home Insurance & Money Basics Educator You open your homeowners policy and see this: And your brain goes: “Wait… 2% of what? And which one applies when?” The phrase “wind and hail deductible vs deductible” is really about understanding two different buckets of out-of-pocket costs: In storm-prone states, this difference …
As a homeowner, you invest a lot in your property. But do you know what’s covered in case of damage or loss? Many homeowners think their insurance covers everything. But there’s a big difference between Homeowners insurance is meant to protect your investment. But it can be hard to understand. In this article, we’ll explain …
Last updated: December 03, 2025Written by Balotellio_Writer, Home Insurance & Money Basics Educator If your home burned down tomorrow, could you list everything you own well enough for your insurance company to pay you fairly? Most people can’t.That’s why they end up underpaid on claims—not because the insurer is evil, but because they don’t have proof. That’s …
Last updated: December 02, 2025Written by Balotellio_Writer,Home Insurance & Property Basics Educator You probably bought homeowners insurance to protect “your house.”But your fence, shed, detached garage, and even some solar panels aren’t actually insured under the main house section. They usually fall under something called “other structures coverage” (Coverage B). If you’ve ever asked yourself: “Is my …
Last updated: December 01, 2025Written by Balotellio_Writer, Home Insurance & Property Basics Educator Insurers are obsessed with your roof right now. In many states, companies are: In places like Florida, law now spells out what insurers can and can’t do based on roof age, including requiring roof inspections once roofs hit a certain age. So “roof age …
Last updated: December 12, 2025 Written by Balotellio_Writer, Home Insurance & Money Basics Educator Imagine this: a kitchen fire or burst pipe makes your home unlivable. You can’t stay there, but the mortgage, rent, or property taxes don’t care. You still need somewhere to sleep, eat, shower, do laundry, maybe board the dog…and all of that costs …
Last updated: December 12, 2025Written by Balotellio_Writer, Home Insurance & Money Basics Educator You buy home insurance thinking, “If something bad happens, the insurance company will just pay to fix it… right?” Then a storm hits, part of your roof is gone, and the adjuster says something like: And suddenly it feels like they’re speaking …