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Insure for the rebuild cost, not the market value. This is one of the most important and most misunderstood concepts in homeowners insurance, and USAA is giving you good advice.The rebuild cost is what it would take to completely reconstruct your home from the ground up, including labor, materials,…

This is a great question considering the California insurance market right now. The honest answer is that it depends on your insurer's specific guidelines, and the only way to know for certain is to call them directly and ask before you do anything. Most insurers won't drop your homeowners policy s…

Although it feels unfair, it's normal for home insurance to subtract both the deductible and the depreciation of an item if you are covered on an ACV (Actual Cash Value) basis. Your deductible is the fixed amount you agreed to pay out of pocket before your insurance kicks in. That applies to every …

Great question! The good news is that paying extra broker or agent fees is not something you automatically have to expect when buying insurance. In many cases, you can get help shopping for coverage without paying anything extra out of pocket.Here are a few helpful things to know:Not all brokers or…