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 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 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 …