Catriona Kendall

A new study reveals that residents of predominantly Black and Hispanic neighborhoods are charged significantly higher rates on average than those in white neighborhoods, sometimes by up to 30% more. Learn what is driving this racial premium gap – and how you can mitigate your home insurance costs. Why Trust Us Our rankings, ratings and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them.

Our rankings, ratings and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.

A historic heat dome has more than 100 million people hitting their boiling point this week as temperatures climb into the triple digits. Extreme heat is not only dangerous for humans and pets, but it can also wreak havoc on your house in ways you may not be prepared for – and your home insurance may not pay for. Why Trust Us Our rankings, ratings and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them.