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 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 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 08, 2025Written by Balotellio_Writer, Home Insurance & Wildfire Risk Basics Educator If you live anywhere near the wildland–urban edge, you’ve probably seen one of these: Insurers are under pressure from bigger, hotter fires, so they care a lot about whether your home has wildfire defensible space. In some places (like California), state law actually …