Guides

Plain-language explainers on climate risk, the true cost of ownership, financing options, and getting your home ready for the next decade.

Funding Energy-Efficient Home Improvements
Financing

Funding Energy-Efficient Home Improvements

Climate-Ready Upgrades on a Tight Budget
Financing

Climate-Ready Upgrades on a Tight Budget

Which Loans Work Best for Fixer-Uppers?
Financing

Which Loans Work Best for Fixer-Uppers?

How to Afford Home Repairs Without Savings
Financing

How to Afford Home Repairs Without Savings

How Much to Save in Your Home Repair Emergency Fund (and Why Insurance Isn’t Enough)
Saving Money

How Much to Save in Your Home Repair Emergency Fund (and Why Insurance Isn’t Enough)

Affordable Today Doesn't Mean Affordable Tomorrow
Education

Affordable Today Doesn't Mean Affordable Tomorrow

8 Things to Know Before Making an Offer
Education

8 Things to Know Before Making an Offer

Attainability Fatigue: Why So Many Would-Be Buyers Are Quietly Giving Up
Awareness

Attainability Fatigue: Why So Many Would-Be Buyers Are Quietly Giving Up

Is Climate Risk Now a Bigger Price Factor Than Interest Rates?
Awareness

Is Climate Risk Now a Bigger Price Factor Than Interest Rates?

What "Home Insurance Deserts" Are and Why They Matter Even If You're Not Buying in Florida
Awareness

What "Home Insurance Deserts" Are and Why They Matter Even If You're Not Buying in Florida

Home Buying Cost Breakdown: Every Number Beyond the Sticker Price
Affordability

Home Buying Cost Breakdown: Every Number Beyond the Sticker Price

Building a Real Home-Buying Budget: Mortgage + Insurance + HOA + Climate Risk
Affordability

Building a Real Home-Buying Budget: Mortgage + Insurance + HOA + Climate Risk

Your Credit Score Affects Your Insurance Rate Too
Affordability

Your Credit Score Affects Your Insurance Rate Too

How Rising Insurance Costs Are Quietly Changing Mortgage Qualification
Affordability

How Rising Insurance Costs Are Quietly Changing Mortgage Qualification

How Do You Check a Property's Climate Risk Before You Make an Offer?
Discovery

How Do You Check a Property's Climate Risk Before You Make an Offer?

Know Before You Buy: What State Insurance Rankings Leave Out
Discovery

Know Before You Buy: What State Insurance Rankings Leave Out

Growing Fast, Getting Riskier: What That Tradeoff Actually Costs You
Discovery

Growing Fast, Getting Riskier: What That Tradeoff Actually Costs You

What It Means When a Property Is Only Insurable Through a State FAIR Plan
Due Diligence

What It Means When a Property Is Only Insurable Through a State FAIR Plan

Questions to Ask the HOA Before You Put In an Offer
Due Diligence

Questions to Ask the HOA Before You Put In an Offer

What a Standard Home Inspection Will — and Won't — Tell You About Climate Risk
Due Diligence

What a Standard Home Inspection Will — and Won't — Tell You About Climate Risk

Special Assessments 101: Warning Signs to Spot Before You Buy Into an HOA
Due Diligence

Special Assessments 101: Warning Signs to Spot Before You Buy Into an HOA

Why Insurance Problems — Not Appraisals — Are Killing Deals in High-Risk Markets
Negotiation

Why Insurance Problems — Not Appraisals — Are Killing Deals in High-Risk Markets

Ask About These Resilience Upgrades Before You Buy — They Drive Your Insurance Cost
Due Diligence

Ask About These Resilience Upgrades Before You Buy — They Drive Your Insurance Cost

Why You Should Keep Checking Your Home's Climate Risk After You Move In
Closing & Ownership Transition

Why You Should Keep Checking Your Home's Climate Risk After You Move In

How to Get and Read a Property's Insurance Loss History (CLUE Report) Before You Offer
Due Diligence

How to Get and Read a Property's Insurance Loss History (CLUE Report) Before You Offer