What Home Insurance Actually Covers

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That home that’s been sitting on the market for 30 days? That’s your opportunity. Here’s a strategy many buyers don’t know about: Instead of asking the seller to drop their price, offer full asking price and ask for seller concessions instead. Real example: Home price: $2,350,000 You offer: $2,350,000 (full price) You ask for: 3% in concessions = $70,500 back at closing That $70,500 covers your closing costs and/or can go towards points to reduce your mortgage rate - meaning you keep that cash

Best Home Insurance Companies Ranked Real Coverage in 2026

Home Insurance & Rate Hikes! Be Prepared!