{"id":258,"date":"2026-05-12T11:43:38","date_gmt":"2026-05-12T11:43:38","guid":{"rendered":"https:\/\/www.way.com\/insurance\/guide\/?p=258"},"modified":"2026-05-12T11:43:38","modified_gmt":"2026-05-12T11:43:38","slug":"homeowners-insurance-all-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/","title":{"rendered":"Homeowners insurance: All you need to know"},"content":{"rendered":"<p><i><span data-contrast=\"auto\">Homeowners insurance\u00a0protects what may be your\u00a0family\u2019s\u00a0biggest investment.\u00a0Here\u2019s\u00a0what home insurance covers,\u00a0how much it costs, and tips to\u00a0find the best deals.<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Owning a home is\u00a0probably the\u00a0biggest investment you will ever make in your lifetime.\u00a0Hence, it is important to know the ins and outs of\u00a0homeowners insurance\u00a0to keep your home protected at all times.\u00a0But what is\u00a0homeowners\u00a0insurance, and what does it cover? How much does it cost to get homeowners insurance? Find the answers to these and much more here.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#Types_of_homeowners_insurance\" >Types of homeowners insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#What_does_homeowners_insurance_cover\" >What does\u00a0homeowners\u00a0insurance cover?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#Damaged_interior_or_exterior\" >Damaged interior or exterior\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#Personal_liability\" >Personal liability<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#What_does_homeowners_insurance_not_cover\" >What does\u00a0homeowners\u00a0insurance not cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#How_much_does_home_insurance_cost\" >How much does home insurance cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#What_are_the_factors_that_affect_the_cost_of_home_insurance\" >What are the factors that affect the cost of home insurance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#Home-based_factors\" >Home-based factors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#Location-based_factors\" >Location-based factors<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#How_to_save_money_on_homeowners_insurance\" >How to save money on homeowners insurance?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"Types_of_homeowners_insurance\"><\/span>Types of homeowners insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Homeowners Insurance comes in several forms. In the U.S.,\u00a0homeowners\u00a0insurance is labeled HO-1 through HO-8. Each provides varying levels of protection. Most often, these depend on the\u00a0homeowner\u2019s\u00a0requirements\u00a0and the type of residence covered. Like most forms of insurance, the more you pay, the more coverage you receive, and vice versa.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Generally,\u00a0homeowners\u00a0insurance, or home insurance, can be classified into three types. They are actual cash value, replacement cost, and guaranteed or extended replacement cost.\u00a0Let\u2019s\u00a0take a closer look at what they offer.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Actual cash value:<\/span><\/b><span data-contrast=\"auto\">\u00a0This type of coverage covers the cost of the house and the value of your possessions after factoring in depreciation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Replacement cost:<\/span><\/b><span data-contrast=\"auto\">\u00a0Replacement cost coverage goes one step ahead of actual cash value coverage. With it, you can rest assured that you will receive compensation for the\u00a0real cost\u00a0of your home and your possessions without depreciation. Thus, having replacement cost coverage could go a long way in helping you repair or rebuild your home to its former condition.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Guaranteed replacement cost:<\/span><\/b><span data-contrast=\"auto\">\u00a0This is the most comprehensive form of homeowners insurance you can get. However, there is typically a cap on it-\u00a0usually between 20%\u00a0and\u00a025% higher than your policy limit. This inflation-buffer policy will help you repair or rebuild your home no matter\u00a0your\u00a0policy limits. Some insurers even offer\u00a0an\u00a0extended replacement that gives you more coverage than you\u00a0purchased.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00a0Many insurance agents and experts believe that all homeowners should get guaranteed replacement cost plans. After all, it isn\u2019t just enough to cover the worth of your property, is it? It would be best if you also had enough insurance to rebuild it at the current prices, which have probably gone up since you first built your home.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"What_does_homeowners_insurance_cover\"><\/span>What does\u00a0homeowners\u00a0insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">All\u00a0homeowners\u2019\u00a0insurance policies have\u00a0certain\u00a0standard\u00a0elements. These\u00a0specify\u00a0what costs\u00a0the\u00a0insurer\u00a0will\u00a0cover\u00a0in the event\u00a0of\u00a0any\u00a0damage to\u00a0your\u00a0property or theft.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Damaged_interior_or_exterior\"><\/span>Damaged interior or exterior<span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Your insurer will compensate you if your home gets damaged by fire, hurricanes, lightning, vandalism, or other covered disasters.\u00a0<\/span><a href=\"https:\/\/www.way.com\/blog\/does-car-insurance-cover-flood-damage\/\"><span data-contrast=\"none\">Floods<\/span><\/a><span data-contrast=\"auto\">, earthquakes, and poor property maintenance are\u00a0generally not\u00a0covered.\u00a0So\u00a0you may need to\u00a0purchase\u00a0separate riders if you want that type of coverage. Garages that are separate from the home, sheds, and other structures on the property may require their own coverage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Clothing, furniture, electrical appliances, and most of your\u00a0home\u2019s\u00a0contents are covered if they get damaged in a covered\u00a0disaster. You can also get\u00a0\u201coff-premises\u201d\u00a0coverage, which means you can file a\u00a0claim for misplaced valuables from around the world. However, there\u00a0could be a limit on how much\u00a0your insurer will reimburse\u00a0you.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Typically, most insurance carriers cover 50% to 70% of the home insurance policy you have. For example, if you\u00a0insure\u00a0your residence for $200,000, your personal belongings are covered for up to $140,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you have many expensive items, you may wish to pay extra to get a rider to cover them.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Personal_liability\"><\/span>Personal liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Liability insurance protects you against third-party litigation. This clause also applies to your dogs! So, if your dog attacks your neighbor, your insurer will cover their medical expenditures. And that applies even if the injury occurred at your house or theirs. Personal liability coverage also keeps you protected from someone suing you for pain and suffering or lost income after sustaining an injury at your home.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Tips from the experts:<\/span><\/b><span data-contrast=\"auto\">\u00a0While\u00a0a\u00a0homeowners\u00a0insurance policy starts from as little\u00a0as $100,000, the Insurance Information\u00a0Institute recommends having\u00a0at least $300,000 in coverage. You could even get\u00a0an umbrella policy that could buy you\u00a0coverage worth $1 million for just a few hundred dollars\u00a0more in your annual premium.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"What_does_homeowners_insurance_not_cover\"><\/span>What does\u00a0homeowners\u00a0insurance not cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">While\u00a0homeowners\u00a0insurance covers most scenarios where a loss could occur, some insurance carriers exclude a few probable events from policies. These include natural disasters, &#8220;acts of God,\u201d\u00a0and acts of war.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you live in a flood-prone area, or\u00a0perhaps an\u00a0earthquake-prone region, you will need riders or an\u00a0additional\u00a0policy for earthquake and flood insurance.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"How_much_does_home_insurance_cost\"><\/span>How much does home insurance cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Your home insurance rate depends on several factors, including the location of your home and your credit score. However, we found that the national average cost of home insurance for a dwelling that costs $250,000 is around $1,300 per year. Premiums, on the other hand, are heavily influenced by the location. Some sections of the country, for example, are more vulnerable to natural disasters, while others may have higher reconstruction expenditures.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The most expensive states for home insurance include Kansas, Arkansas, Oklahoma, New Mexico, and Nebraska. Natural disasters play a significant role in deciding the cost of your home insurance. Hurricanes are more likely to wreak widespread damage in states along the Atlantic and Gulf coasts.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Due to the catastrophic destruction produced by summer storms, states in\u00a0\u201cTornado Alley&#8221;\u00a0have higher rates. In addition, wildfires in Western states\u00a0may wreak havoc on homes.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Hawaii, Utah, Delaware, Vermont, and Oregon have the least expensive average annual\u00a0homeowners\u00a0insurance premiums. Hence, knowing the hazards connected with your state and ZIP code will\u00a0assist\u00a0you in making informed decisions about home insurance.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"What_are_the_factors_that_affect_the_cost_of_home_insurance\"><\/span>What are the factors that affect the cost of home insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Insuring a property is a risk for any insurance provider.\u00a0Certain localities or even types of houses increase the\u00a0firm\u2019s\u00a0chances of paying claims.\u00a0Thus, you could say home insurance is\u00a0similar to\u00a0car insurance. If\u00a0you\u2019ve\u00a0been following our\u00a0blogs, you already know that understanding the rating elements that influence your car or home insurance rates might help you find a better deal.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Home-based_factors\"><\/span>Home-based factors<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Since each home is unique, insurance companies assign a distinct rating to each one. The features of your home will influence how much you spend on\u00a0homeowners\u00a0insurance.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Year of construction:<\/span><\/b><span data-contrast=\"auto\">\u00a0Insuring older properties might be more expensive than modern homes since repair costs are\u00a0generally higher. Custom molding, plaster walls, and wood flooring may require specialists to fix or replace, making these elements more expensive to repair\u00a0in the event of\u00a0a claim.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">State of your roof:<\/span><\/b><span data-contrast=\"auto\">\u00a0The age and condition of a\u00a0home\u2019s\u00a0roof are a few factors that could\u00a0impact\u00a0your home insurance rates. Older roofs may not\u00a0be as resistant to wind and hail damage as newer roofs. Similarly, the\u00a0materials used on your\u00a0roof might affect the cost of\u00a0your\u00a0homeowners\u00a0insurance. Opting for a more weather-resistant\u00a0roofing material could help you lower your\u00a0premium.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Quality of construction:<\/span><\/b><span data-contrast=\"auto\">\u00a0Following a claim, many homeowners policies do not pay the cost of fixing your home to meet the current building code. Insurance carriers commonly offer ordinance or law endorsements, and they can help\u00a0pay for\u00a0expenses linked to code changes performed during insured repairs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Features:<\/span><\/b><span data-contrast=\"auto\">\u00a0Hot tubs and swimming pools can add value to a property, but they can also boost\u00a0homeowners\u00a0insurance premiums by increasing repair and replacement expenses and increasing liability concerns. Homes with recreational elements may require more liability insurance if a guest is injured.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span class=\"ez-toc-section\" id=\"Location-based_factors\"><\/span>Location-based factors<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Since each section of the country has a varied risk profile for potential losses, your geographic location can\u00a0impact\u00a0your insurance rates significantly. For example, some locations may be more vulnerable to wind damage, but fires\u00a0frequently\u00a0cause damage in other parts of the country.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Weather-related risks:<\/span><\/b><span data-contrast=\"auto\">\u00a0Most\u00a0homeowner\u2019s\u00a0insurance policies do not cover flood\u00a0damage\u00a0or earthquake damage. Some\u00a0insurance firms refuse to cover homes in flood zones. To\u00a0defend against these types\u00a0of calamities, several insurance firms\u00a0sell private flood insurance or offer\u00a0earthquake coverage in separate policies or endorsements.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Fire risk:<\/span><\/b><span data-contrast=\"auto\">\u00a0Fires cost billions of dollars in property damage every year. Because speedy emergency response\u00a0generally lowers\u00a0damage, insurance\u00a0firms\u00a0base\u00a0homeowners\u00a0insurance rates on proximity to a fire station and fire hydrants.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Risk of crime:<\/span><\/b><span data-contrast=\"auto\">\u00a0If you\u00a0reside\u00a0in a high-crime area, your insurance prices may be affected. Installing\u00a0additional\u00a0safety features to your home, including a security alarm system, can help offset the cost.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span class=\"ez-toc-section\" id=\"How_to_save_money_on_homeowners_insurance\"><\/span>How to save money on homeowners insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Here are a few fast strategies on how to save money on homeowners insurance:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"auto\">Combine your insurance policies with a single provider.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Shop around and inquire about discounts.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Select the right insurance coverage options.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Raise your deductible.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Maintain a healthy credit rating<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Make improvements to your home.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">This will help you find the best homeowners insurance deals in your state. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners insurance\u00a0protects what may be your\u00a0family\u2019s\u00a0biggest investment.\u00a0Here\u2019s\u00a0what home insurance covers,\u00a0how much it costs, and tips to\u00a0find the best deals.\u00a0 Owning a home is\u00a0probably the\u00a0biggest investment you will ever make in your lifetime.\u00a0Hence, it is important to know the ins and outs of\u00a0homeowners insurance\u00a0to keep your home protected at all times.\u00a0But what is\u00a0homeowners\u00a0insurance, and what does&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/\">Continue reading <span class=\"screen-reader-text\">Homeowners insurance: All you need to know<\/span><\/a><\/p>\n","protected":false},"author":5,"featured_media":260,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Homeowners insurance: All you need to know<\/title>\n<meta name=\"description\" content=\"Learn what homeowners insurance covers, how policies work, what affects premiums, and how to choose the right protection for your home.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Homeowners insurance: All you need to know\" \/>\n<meta property=\"og:description\" content=\"Learn what homeowners insurance covers, how policies work, what affects premiums, and how to choose the right protection for your home.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/\" \/>\n<meta property=\"og:site_name\" content=\"insurance guides\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-12T11:43:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/05\/home-insurance-concept-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1917\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sara Sam\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sara Sam\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/\"},\"author\":{\"name\":\"Sara Sam\",\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/#\/schema\/person\/c7f45307064c936b8fac75de586e95d8\"},\"headline\":\"Homeowners insurance: All you need to know\",\"datePublished\":\"2026-05-12T11:43:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/\"},\"wordCount\":1501,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/05\/home-insurance-concept-scaled.jpg\",\"articleSection\":[\"Home Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/\",\"url\":\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/\",\"name\":\"Homeowners insurance: All you need to know\",\"isPartOf\":{\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/05\/home-insurance-concept-scaled.jpg\",\"datePublished\":\"2026-05-12T11:43:38+00:00\",\"description\":\"Learn what homeowners insurance covers, how policies work, what affects premiums, and how to choose the right protection for your home.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#primaryimage\",\"url\":\"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/05\/home-insurance-concept-scaled.jpg\",\"contentUrl\":\"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/05\/home-insurance-concept-scaled.jpg\",\"width\":2560,\"height\":1917,\"caption\":\"Rawpixel\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.way.com\/insurance\/guide\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Homeowners insurance: All you need to know\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/#website\",\"url\":\"https:\/\/www.way.com\/insurance\/guide\/\",\"name\":\"insurance guides\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.way.com\/insurance\/guide\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/#organization\",\"name\":\"insurance guides\",\"url\":\"https:\/\/www.way.com\/insurance\/guide\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/03\/LogRed-o-2-1.webp\",\"contentUrl\":\"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/03\/LogRed-o-2-1.webp\",\"width\":250,\"height\":75,\"caption\":\"insurance guides\"},\"image\":{\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.way.com\/insurance\/guide\/#\/schema\/person\/c7f45307064c936b8fac75de586e95d8\",\"name\":\"Sara Sam\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/95a7e21c046a09a91c4f573242b6dce8431f1d30d0c534805bfd22025c02022d?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/95a7e21c046a09a91c4f573242b6dce8431f1d30d0c534805bfd22025c02022d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/95a7e21c046a09a91c4f573242b6dce8431f1d30d0c534805bfd22025c02022d?s=96&d=mm&r=g\",\"caption\":\"Sara Sam\"},\"url\":\"https:\/\/www.way.com\/insurance\/guide\/author\/sara-sam\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Homeowners insurance: All you need to know","description":"Learn what homeowners insurance covers, how policies work, what affects premiums, and how to choose the right protection for your home.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/","og_locale":"en_US","og_type":"article","og_title":"Homeowners insurance: All you need to know","og_description":"Learn what homeowners insurance covers, how policies work, what affects premiums, and how to choose the right protection for your home.","og_url":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/","og_site_name":"insurance guides","article_published_time":"2026-05-12T11:43:38+00:00","og_image":[{"width":2560,"height":1917,"url":"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/05\/home-insurance-concept-scaled.jpg","type":"image\/jpeg"}],"author":"Sara Sam","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Sara Sam","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#article","isPartOf":{"@id":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/"},"author":{"name":"Sara Sam","@id":"https:\/\/www.way.com\/insurance\/guide\/#\/schema\/person\/c7f45307064c936b8fac75de586e95d8"},"headline":"Homeowners insurance: All you need to know","datePublished":"2026-05-12T11:43:38+00:00","mainEntityOfPage":{"@id":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/"},"wordCount":1501,"commentCount":0,"publisher":{"@id":"https:\/\/www.way.com\/insurance\/guide\/#organization"},"image":{"@id":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#primaryimage"},"thumbnailUrl":"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/05\/home-insurance-concept-scaled.jpg","articleSection":["Home Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/","url":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/","name":"Homeowners insurance: All you need to know","isPartOf":{"@id":"https:\/\/www.way.com\/insurance\/guide\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#primaryimage"},"image":{"@id":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#primaryimage"},"thumbnailUrl":"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/05\/home-insurance-concept-scaled.jpg","datePublished":"2026-05-12T11:43:38+00:00","description":"Learn what homeowners insurance covers, how policies work, what affects premiums, and how to choose the right protection for your home.","breadcrumb":{"@id":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#primaryimage","url":"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/05\/home-insurance-concept-scaled.jpg","contentUrl":"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/05\/home-insurance-concept-scaled.jpg","width":2560,"height":1917,"caption":"Rawpixel"},{"@type":"BreadcrumbList","@id":"https:\/\/www.way.com\/insurance\/guide\/homeowners-insurance-all-you-need-to-know\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.way.com\/insurance\/guide\/"},{"@type":"ListItem","position":2,"name":"Homeowners insurance: All you need to know"}]},{"@type":"WebSite","@id":"https:\/\/www.way.com\/insurance\/guide\/#website","url":"https:\/\/www.way.com\/insurance\/guide\/","name":"insurance guides","description":"","publisher":{"@id":"https:\/\/www.way.com\/insurance\/guide\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.way.com\/insurance\/guide\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.way.com\/insurance\/guide\/#organization","name":"insurance guides","url":"https:\/\/www.way.com\/insurance\/guide\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.way.com\/insurance\/guide\/#\/schema\/logo\/image\/","url":"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/03\/LogRed-o-2-1.webp","contentUrl":"https:\/\/www.way.com\/insurance\/guide\/wp-content\/uploads\/2026\/03\/LogRed-o-2-1.webp","width":250,"height":75,"caption":"insurance guides"},"image":{"@id":"https:\/\/www.way.com\/insurance\/guide\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.way.com\/insurance\/guide\/#\/schema\/person\/c7f45307064c936b8fac75de586e95d8","name":"Sara Sam","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/95a7e21c046a09a91c4f573242b6dce8431f1d30d0c534805bfd22025c02022d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/95a7e21c046a09a91c4f573242b6dce8431f1d30d0c534805bfd22025c02022d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/95a7e21c046a09a91c4f573242b6dce8431f1d30d0c534805bfd22025c02022d?s=96&d=mm&r=g","caption":"Sara Sam"},"url":"https:\/\/www.way.com\/insurance\/guide\/author\/sara-sam\/"}]}},"_links":{"self":[{"href":"https:\/\/www.way.com\/insurance\/guide\/wp-json\/wp\/v2\/posts\/258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.way.com\/insurance\/guide\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.way.com\/insurance\/guide\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.way.com\/insurance\/guide\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.way.com\/insurance\/guide\/wp-json\/wp\/v2\/comments?post=258"}],"version-history":[{"count":1,"href":"https:\/\/www.way.com\/insurance\/guide\/wp-json\/wp\/v2\/posts\/258\/revisions"}],"predecessor-version":[{"id":259,"href":"https:\/\/www.way.com\/insurance\/guide\/wp-json\/wp\/v2\/posts\/258\/revisions\/259"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.way.com\/insurance\/guide\/wp-json\/wp\/v2\/media\/260"}],"wp:attachment":[{"href":"https:\/\/www.way.com\/insurance\/guide\/wp-json\/wp\/v2\/media?parent=258"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.way.com\/insurance\/guide\/wp-json\/wp\/v2\/categories?post=258"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.way.com\/insurance\/guide\/wp-json\/wp\/v2\/tags?post=258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}