All Questions

Great question, and congrats on the new home. This is something a lot of first-time homeowners wrestle with, especially when flood insurance isn’t required. The short answer: you don’t have to carry flood insurance in a low-risk area, but it’s often still worth considering.A big reason why is that …

If you rarely drive, there may be a few ways to lower your car insurance costs, but there usually is not an option that lets you pay only when you drive and nothing at all while the car is sitting.One possible fit is pay-per-mile insurance. With this type of policy, you typically pay a base rate ea…

If both vehicles were damaged in the same driveway accident, the best next step is to contact your insurance company as soon as possible to start a claim. How this gets handled depends on your coverage and how the vehicles are insured (as well as your specific company's policies).If both cars are o…

Renters insurance is usually quick to buy, fairly inexpensive, and well worth having. In many cases, you can get a quote in just a few minutes, even from your phone. While many renters still go without coverage, that can be a risky move. Even if you do not think your belongings are worth much, repl…

With Plymouth Rock, bundling your home and auto insurance can save you money, but the policies are still separate when it comes to claims.If you file a homeowners claim, it doesn’t automatically mean your car insurance rate will go up. The claim is tied to your home policy, not your auto policy.Tha…

With Kin Insurance, and many other home insurance carriers, this is actually very normal. Most insurers in hurricane-prone areas use separate hurricane deductibles, and they’re usually higher than your standard one.The big difference is how they’re calculated. Your regular deductible is typically a…

Hippo homeowners insurance can sometimes come in lower than other quotes, and there are a few reasons for that; but it doesn't mean there's a "catch."First, Hippo uses a digital-first approach, which cuts down on costs tied to offices, agents, and paperwork. That efficiency can help lower premiums.…

With Plymouth Rock (and any insurance company) where water comes from matters a lot because different causes are covered in different ways.Not all water damage is treated the same under a policy.For example, damage from a burst pipe or sudden leak inside your home is usually covered. That’s conside…

With Hippo, getting a quick online quote is often just the first step. In some cases, the company may still require a home inspection after the policy is issued. This is pretty common and isn't a red flag.The first quote is usually based on the information you provide, along with public data about …

Lemonade is a real insurance company, and it makes sense to ask that question, especially if you’re buying homeowners insurance for the first time. When one quote comes in a lot lower than the others, it’s natural to wonder what the catch is.A lot of newer buyers like Lemonade because it feels simp…