Building a home is exciting, but it’s also one of the biggest financial decisions you’ll ever make. On average, building a house in Tennessee costs $180 to $350+ per square foot, depending on where you build, the home’s design, and your material choices. For a typical 2,000-square-foot home, that places the total construction cost at…

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You can insure the same home with two different policies, but the real question is whether you should. For most homeowners, doubling up on coverage doesn’t double your protection. Instead, it usually creates extra paperwork, slower claims, and higher premiums without meaningful benefits. In this guide, we’ll walk through how dual policies actually work, why…

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Owning a second home comes with insurance needs that your primary policy won’t cover. Whether it’s a lake cabin, beach condo, or rural getaway, Texas doesn’t require second home insurance, but lenders do, and these properties face higher risks from vacancy, weather, and location. Our guide breaks down how second home insurance works in the…

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Building a house in Missouri varies widely in cost depending on location, size, materials, and terrain. This guide explains average pricing, key cost drivers, hidden expenses, real-world examples, and whether building or buying is the better choice, so that you can plan your budget with confidence.

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Every home’s design tells a story, but it also shapes your homeowners insurance. Your home’s architectural style influences repair costs, materials, and overall risk, directly impacting your premium. From classic Colonials to sleek modern builds, our guide explains how design affects coverage, rebuilding expenses, and ways to save on insurance.

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homeowners insurance cover

What does homeowners insurance cover? To put it simply, homeowners insurance is designed to repair, replace, or recover the value of what you currently have (under coverage) if it’s damaged due to any number of causes. Most common claims covered by insurance Your independent agent can help give you a clear, personalized picture of the…

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Landlord insurance, also known as rental property insurance, is a specialized policy designed to protect property owners who rent out their homes or investment properties. Unlike standard homeowners insurance, which assumes the owner lives on the premises, landlord insurance focuses on the unique risks associated with tenants, such as property damage from renters or loss…

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Hailstorms in Texas can seriously damage homes and cars in minutes. Homeowners insurance typically covers hail damage to your house, and comprehensive auto insurance can cover your vehicle. However, rising premiums mean it’s important to be strategic about filing claims. In this guide, we’ll explain how coverage works, when it’s smart to file, and tips to protect your property before the next big storm hits.

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A man in a light blue long-sleeved shirt holding several $100 bills and a figure of a home on top.

You can add equipment breakdown coverage to your homeowners insurance for extra protection focusing on electrical and mechanical failure. Homes have many electrical components that can benefit from this insurance rider, including HVAC, light fixtures, appliances, and more. Home warranties are also available but operate differently. Each equipment breakdown coverage homeowners has its own form of protection and it’s important to shop and compare them in order to find the right policy at the lowest price.

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