Home Insurance
News, insights and expert analysis on home insurance from the team at Kiplinger.
Latest
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The 1% Deductible Rule to Avoid Overpaying for Home Insurance
You could be overpaying for home insurance if your deductible is too low. But going too high can be just as risky. That's where the 1% deductible rule comes in.
By Rachael Green
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These Eight States Have the Most Expensive Home Insurance in 2025
If you live in one of these eight states, you're probably paying $1,000 or more above the national average for home insurance.
By Rachael Green
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10 States with the Cheapest Home Insurance in 2025
Homeowners in these 10 states pay at least $1,100 less than the national average for home insurance.
By Rachael Green
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How to Protect Your Home From Keyless Break-ins
While smart locks enhance home security, skilled intruders may bypass them. Here's how to strengthen your defenses.
By Sean Jackson
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What Is the 80% Rule in Home Insurance?
Make sure your home isn't underinsured by following the 80% rule in home insurance. Here's what you need to know.
By Erin Bendig
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Is Home Insurance Required? Not Necessarily, But That Doesn't Mean You Should Drop It
Home insurance is required by most mortgage lenders. But even if your home is paid off, does it make financial sense to drop coverage?
By Rachael Green
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Seven Reasons Your Home Insurance Costs Are Surging
Home insurance costs are skyrocketing, with specific factors driving the surge. Here's how to whittle down your premium.
By Daniel Bortz
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Nine Easy Home Hardening Projects That Also Save on Insurance
These easy home hardening projects can protect your home from the elements — and might lower your home insurance premium.
By Paige Cerulli
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Everyone Needs to Prepare for Earthquakes, Even if You Don't Live Near a Fault Line
Here are my tips for what to do before, during and after an earthquake. The more prepared you are, the more you'll be able to keep your wits about you if it happens.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS
