Many people say blogs are dead, which isn’t true because people don’t go to social media like Facebook or Instagram to get detailed answers on particular topics — they visit blogs via search engines like Google. If you’re working for a home insurance company, a blog with helpful content that answers the questions from your target customer will certainly direct them to your website.
47% of homeowners are unsure of what their insurance covers.
ValuePenguin
We have spent some time searching for the most common questions asked about home insurance on Google. Not to our surprise, most of these questions are not well answered.
How to Rank Position “Zero” with Your Answer Posts?
Here’s the opportunity – if you would write a post for each of these questions, with an “answer-paragraph” at the beginning of the post, you may even win the position “zero”. (Appears as a featured snippet on the very top of a SERP.)
On average the position 1 in Google gets 33% of the traffic, it drops to 11% for position 3.
searchenginewatch.com
Watch this 10-minute video on snippet optimization from Income School. They teach you how to craft the perfect answer target that can cut through the competition:
Okay, let’s get to work, here’s our list of 20 simple home insurance blog topics:
How Much Should I Be Paying for Homeowners Insurance?
According to the National Association of Insurance Commissioners (NAIC), the average annual homeowners insurance premium is $1,211. Homeowners insurance costs differ from state to state for a number of reasons such as property values, natural disasters, age and rebuild value of your home and the insured limits in your policy. (Source)
Does Home Insurance Go Up Every Year?
Home insurance is likely to go up year after year. When inflation goes up, insurance companies have to increase your premium to keep up with rising costs. Other factors such as changes to your house (e.g. wear and tear), your credit rating, and claims history may also drive up your premium year after year.
What Are the Ways to Lower Homeowners Insurance Costs?
Increasing your deductible amount, keeping a good credit record, maintaining your roof regularly, improving your home security, or shopping around for discounts are some of the ways to lower your insurance costs. Check out more suggestions from iii.org.
Can I Buy Home Insurance Online?
Some insurers (e.g. Lemonade and Hippo) allow you to buy homeowners insurance and renters insurance online through their website or a mobile app. The process begins with a quote by entering basic information such as your address and the coverage amount. If you are happy with the price, you can complete the application and payment purely online. Or in some cases, you may talk to an agent over the phone to finish the purchase.
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10 Weird Things Covered by Home Insurance
- Falling objects – Satellites, asteroids, space debris, and “blue ice” (a.k.a. frozen toilet waste discharged from a flying airplane) are covered under standard homeowners insurance policies.
- Tombstones – Most home insurance covers gravestones, even though they’re not literally on your property.
- Damage by religious phenomenon – Unusual occurrences, such as a house Virgin Mary appears in the oil and damage was done to your home as a result, are covered. (insurance.com)
- Damage by wild animals – As long as the animals are not your pet and are considered “wild”, their damage to your home is covered.
- Rain on your wedding day – Your home insurance also covers you if you hold an event in your home or yard that gets affected by rain as well as natural disasters like a volcano eruption, fire or a windstorm.
- Dog bites – According to industry estimates, a full third of all liability claims under homeowners insurance are for dog bites. The average payout, according to the Insurance Information Institute, is nearly $30,000 per claim.
- Recreational drone damage – Damaged caused by a household member using a drone for recreational purposes is covered.
- Civil liability – When President Bill Clinton was sued in 1994 for sexual harassment, the $1.5 million bill for his defense was paid for by a personal liability umbrella policy connected to his homeowners’ insurance.
- Spoiled food – Your insurance company will cover up to about $500 of food that spoils as a result of a power outage.
- Campus theft – A college student’s personal possessions (e.g., a TV, clothing, and furniture) are covered if they live on-campus.
Is Work From Home Covered by Home Insurance?
About 39 million Americans are expected to work remotely in 2021, which means that more people may work from home in the following years. However, home insurance typically doesn’t cover work from home. Considering the pandemic, though, people may wonder if there are exceptions after all.
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Are Musical Instruments Covered by Home Insurance?
Whether someone owns or rents a property, most items in their homes can be insured by home insurance — musical instruments included. However, most policies have specific limits on what they can cover. The per-item coverage may be lower than the cost of the musical instrument insured.
Which Disasters Are Covered by Home Insurance?
Home insurance usually covers tornadoes or lightning strikes, but not flooding that often occurs after a hurricane. Homeowners may want to get separate insurance, such as flood insurance, to insure them in case disasters like flooding strike.
Is Power Outage Covered by Home Insurance?
Some home insurance policies offer coverage for food spoilage (up to a limit of $500) from any type of power outage. However, they won’t pay for additional living expenses, such as a hotel room, if you can’t live at home simply because of a power outage. (Source)
What Does Home Insurance Not Cover?
Most damage caused by natural disasters like tornadoes, lightning is covered in a home insurance policy. But, flood damage and earthquake damage are NOT covered by a standard homeowners policy. A separate policy is required. Also, you will not be covered if there is a widespread power outage.
What Is Flood Insurance? Should I Buy It?
Flood insurance covers the damage to your home property and personal belongings in the event of a flood. On average, the yearly cost of a flood insurance policy is about $700. According to the Federal Emergency Management Agency (FEMA), even if you live in an area with low or moderate flood risk, you are five times more likely to experience a flood than a fire in your home over the next 30 years.
Should I Tell My Insurer if I Have a New Trampoline or Swimming Pool?
It’s a good habit to inform your insurer about any new purchase. Anything you accumulate after purchasing your home insurance might impact your insurance. You must update your insurer to ensure that you can claim for these purchases should anything happen.
Why Is It Important to Replace Your Roof?
It’s essential to replace your roof when it’s finally time to get it replaced. Homeowner insurance may cover a roof leak caused by natural elements such as fire or wind, but not wear and tear. Homeowners should be reminded that a roof is vital to a home’s value.
What Are the Most Common Home Insurance Claims?
The most common causes of home insurance claims, from an analysis of Travelers Insurance policyholders, are wind, nonweather water damage, hail, weather-related water damage and theft. Altogether, these five causes make up 77% of all homeowners insurance claim. (Source)
Is Homeowners and Renters Insurance the Same?
Both homeowners and renters insurance are a form of property insurance. They both cover home damage and loss of personal property, as well as liability for legal or medical expenses. The main difference between the two is that homeowners insurance includes protection for the structure of the home, as well as other structures on the property, and renters insurance does not. (Source)
How Much More Is Homeowners Insurance Than Renters Insurance?
8 times more. Homeowners insurance costs around $1,200 a year on average whereas renters insurance only costs around $180 a year on average, or $15 a month, according to the National Association of Insurance Commissioners (NAIC),
What Is Not Covered by Renters Insurance?
The structure of the home, as well as other structures on the property, is not covered by renters insurance. Natural disasters like flooding, sinkholes, or earthquakes are also excluded. Read more from this article by Lemonade.
Do I Need to Buy Home Insurance Before Closing?
In general, you purchase homeowners insurance before closing on the home. Almost all lenders will require that your home is insured for 100% of its replacement cost. These requirements can vary by lender and location of the home. Read more from this article by insure.com.
What Type of Insurance Pays Off a Mortgage?
Term insurance and mortgage life insurance provide a means of paying off your mortgage when you die. With mortgage life insurance, in particular, your mortgage lender is the beneficiary. If you pass away, your lender is paid the balance of your mortgage. (Source)
Wrapping Up
Content marketing is no rocket science. It’s actually simpler than what you think. If you want to bring traffic to your website, all you need to is create content with direct answers to help your potential customers in their buyer’s journey. Good luck!
