Home insurance demystified
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What is an insurance endorsement?
An insurance endorsement can modify your policy to extend, reduce, or exclude coverage. Learn more about home insurance endorsements.
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What is ordinance or law coverage for homeowners?
Ordinance or law coverage is part of a standard home insurance policy. It helps cover the cost of upgrading your home to meet building codes after a covered loss.
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What is replacement cost coverage?
Home insurance with replacement cost coverage will fully cover losses caused by a covered event, up to the coverage limit.
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How do home insurance companies pay out claims?
Insurers usually pay out your claim in installments, but the timeline depends on damages and your state’s laws.
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How to file a home insurance claim
Filing a home insurance claim doesn't have to be stressful. Learn when to file, key steps to take, and tips for a smooth process after home damage.
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What is an insurance binder?
Binders are enforceable contracts and can act as evidence that you have coverage.
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Hazard insurance for homeowners
The term hazard insurance is usually used to describe the part of your homeowners insurance that pays for structural repairs to your home. So technically, your dwelling coverage.
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Does home insurance cover fire damage?
Homeowners insurance typically covers fire damage from accidental events like electrical issues or wildfires, up to policy limits.
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What’s a windstorm mitigation inspection?
A windstorm mitigation report tells insurers how resistant your home is to wind damage. Getting one could help you save on your home insurance premiums.
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Who is a policyholder?
Find out who a policyholder is for your homeowners insurance and whether that’s the same as the insured in this article from Kin.
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What is HO-5 insurance?
Is an HO-5 policy right for you? Find out in this article from Kin.
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What is an HO-4 policy?
An HO4 policy, also called renters insurance, is named perils coverage that protects a renter’s personal property and their personal liability. Learn more.
