Verified June 18, 2026
Step-by-step playbooks for the three moments when home insurance turns into a problem: a non-renewal notice in the mail, a house in a fire or flood zone going into escrow, or a renewal premium that just jumped 30%. Dated, sourced, no phone-number required.
verified 2026-05-20Playbook
What it means, how long you have, and exactly what to do this week.
Most U.S. states require carriers to give homeowners 30 to 90 days' written notice before a non-renewal takes effect; that's your runway, not a deadline to panic.
Read the playbook ›
Buying
What your lender needs and by when. A realistic cost range. Don't kill the deal at the binder step.
A lender will require a bound homeowners policy before closing; if the property is in a FEMA-mapped Special Flood Hazard Area, separate flood coverage (NFIP or private) is also required at closing.
Read the playbook ›
Renewing
Why it happened. Whether you can dispute. How to shop without getting spammed.
A 20-50% renewal increase is almost always the market, not you: reinsurance costs, catastrophe losses, and rebuild inflation flow through to every policy in the same risk pool.
Read the playbook ›