Photo of author

Kyle Rasmussen

Kyle has extensive background in financial planning and financial writing. He is an expert in home, auto and life insurance. Kyle holds a Bachelor's degree in Business Administration from San Diego State University and multiple financial planning designations.
Read articles written by Kyle Rasmussen

SURE Home Insurance Review (2023)

SURE is a newer insurance provider offering homeowners insurance policies in 7 southern coastal states. Founded in 2021, SURE is partnered with SageSure to offer insurance.

Read more

Amica Mutual Home Insurance Review (2023)

Amica is a well-established insurance company offering homeowners insurance in 48 states. This insurance company has scored a #1 spots in J.D. Power's customer satisfaction and claims satisfaction surveys.

Read more

Castle Key Home Insurance Review (2023)

Castle Key is a Florida-only insurer owned by Allstate. This company offers homeowners, renters, landlord, condo and mobile home insurance policies. There are many complaints that we found posted online from Castle Key's customers.

Read more

Ocean Harbor Home Insurance Review (2023)

Ocean Harbor is an insurance company specializing in coastal homeowners insurance policies available in 5 states. They offer a few additional coverages and discounts. We found quite a few complaints from their customers online.

Read more

Branch Home Insurance Review (2023)

Branch Insurance is a new insurance company launched in 2020. It offers homeowners insurance in 37 states and has received mostly positive reviews from its customers.

Read more

Cypress Home Insurance Review (2023)

Cypress Insurance is a regional insurer offering homeowners policies in FL and TX. We found quite a few complaints from the policyholders insured with Cypress. Read full review to learn more.

Read more

Velocity Risk Home Insurance Review (2023)

Velocity Risk homeowners insurance is available for owners of high-value homes in TX and FL. They seem to offer affordable coverage for homes valued at $750,000. Keep reading to learn more!

Read more

Heritage Home Insurance Review (2023)

Heritage Insurance is a newer insurance company offering homeowners insurance in the Southeastern US. It offers 3 tiered home insurance plans, so customers can get a lot of additional coverages as part of their Pillar and Pillar Plus policies.

Read more

American Reliable Home Insurance Review (2023)

American Reliable offer homeowners insurance in 28 states. They specialize on insuring unique homes that may not qualify for coverage from some other insurers. American Reliable is able to insure older homes, mobile and manufactured homes, as well as seasonal and vacation homes.

Read more

Insurance to Value Ratio

In homeowners insurance, the insurance-to-value ratio is the ratio of your dwelling coverage limit divided by the replacement cost of your home. This ratio is usually represented in percentages.

Read more

American Risk Home Insurance Review (2023)

American Risk is a small insurance company offering standard homeowners insurance, as well as policies for landlords, renters, and condo owners. Their policies are only available in Texas, Oklahoma, and Louisiana.

Read more

Permitted Incidental Occupancies Endorsement in Home Insurance

Permitted incidental occupancies endorsement is additional coverage that can be added to homeowners insurance policies. This endorsement is meant to provide protection for small home-based businesses.

Read more

Thank You for Visiting HOIC