---
title: "Homeowners insurance guides"
description: "Riskado insurance guides filed under Homeowners, newest first: 46 guides."
url: "https://riskado.com/homeowners-insurance/"
lang: "en"
image: "https://riskado.com/og/default.jpg"
alternates:
  es: "https://riskado.com/es/seguro-de-propietarios.md"
---

# Homeowners insurance guides

- [Home and Renters](https://riskado.com/alabama-fortified-roof/): Alabama law requires a wind discount for IBHS FORTIFIED homes, and state grants pay up to $10,000 for a FORTIFIED Roof. See the discount table and how to apply.

- [Alabama Homeowners Insurance: Why Rates Are High and Rising, What Drives Your Price, Coastal and Inland Differences and What to Do at Renewal](https://riskado.com/alabama-homeowners-insurance/): Alabama's average HO-3 premium was $1,906 in 2023, per the NAIC. See why rates rise, how coastal and inland homes differ and what to check at renewal.

- [Builders Risk Insurance for a Homeowner: Renovation or New Build, Who Buys It, and How Long It Lasts](https://riskado.com/builders-risk-insurance-for-homeowners/): Builders risk insurance covers a house while it is built or renovated. See who buys it, how it works with homeowners insurance, and when it starts and ends.

## More guides

- [Home and Renters](https://riskado.com/condo-insurance-ho6/): An HO-6 condo policy covers what the association's master policy leaves to you: belongings, interior items, liability and your share of loss assessments.

- [Home and Renters](https://riskado.com/do-i-need-earthquake-insurance/): Standard home policies exclude earthquake damage. See what earthquake coverage pays, how percentage deductibles work, and why the risk reaches past California.

- [Auto](https://riskado.com/florida-golf-cart-insurance/): Florida golf carts capped at 20 mph skip registration and PIP, but low-speed vehicles need both. See street rules, The Villages, homeowners limits and policies.

- [Home and Renters](https://riskado.com/florida-homeowners-insurance/): Florida had the highest average HO-3 premium in 2022, at $2,677. See why rates are high, what the 2021 to 2023 reforms changed and what to do at renewal.

- [Home and Renters](https://riskado.com/florida-roof-age-insurance/): Florida insurers can't refuse a roof under 15 years old solely for age, and older roofs get an inspection first. See ACV rules, roof deductibles and the 25% rule.

- [Home and Renters](https://riskado.com/georgia-fair-plan/): Georgia's FAIR Plan, run by the Georgia Underwriting Association, covers property private insurers won't. See who qualifies, what it covers and how to apply.

- [Auto](https://riskado.com/georgia-golf-cart-insurance/): Georgia doesn't register or title motorized carts, but LSVs need registration and insurance. See Peachtree City and Jekyll Island rules and homeowners limits.