A home is worthy of protection, as it is an asset and accomplishment of one’s life saving. The right insurance policy must provide you with strong coverage and total affordability so you can have the best protection. To get the best protection from your homeowners’ insurance, you are required to get insurance quotes from various insurance providers, as the premium price is determined by your address, assets, and home.
It is time to review the old insurance policy on your home. When you check with many insurance providers, you will be able to select the best out of the multitudes. However, finding homeowners insurance is not an easy task.
But you just have to develop an interest in doing it regularly. Make efforts to get insurance quote for latest homeowners insurance at least one time in a year. You may be missing out on new opportunities which are far better than the one you are currently enjoying. You cannot predict the insurance company that will perfectly fit your needs. There are new things every year – the home insurance of 2015 cannot be compared to that of 2020.
Your neighbor might get a low rate from a company while you get a high rate from another. This is, therefore, why it is important to call as many as you can to request for quotes, including the ones we have on our list. Select the most affordable quote and you are good.
However, when it comes to homeowners insurance, the price should not be the major or only factor you consider since it would be probably giving protection to your largest asset. There are lots of valuable sentimental items in your home as well.
This means handling the protection of your home over to an insurance company with no high financial ratings is not an option. Make sure you remove the small insurance companies in your area from the list while shopping. These top 10 national insurance companies can also be included in your list.
What is a Homeowners Insurance?
Home insurance is a policy package that covers your home against any unforeseen occurrence. This type of insurance offers you total financial protection should there be any home accident or disaster. Your possessions and home’s structure are both insured in a standard homeowner’s insurance coverage against destructive occurrence like fire. Similarly, homeowners insurance generally involves policies of a different package.
This implies that the policy covers not only destructions to your property, but also include cover for your liability which is the legal responsibility for any property damage or injuries you or any of your household caused to others, with your pets inclusive. Your liability, possessions, and internal buildings are covered by condominiums insurance as stated in the by-laws.
Best Homeowners Insurance Companies of 2020
What most people look for when searching for the home insurance provider is policy with great quality from a company that has a good reputation and that will be available when needed. Customizable policies, easy claim process, affordable pricing, and transparent policies are what best homeowners insurance providers make available to you. Insurance providers at the national level are also being given much consideration.
Below are our best picks for homeowners’ insurance companies:
Overall Rating 4 / 5
New homebuyers are offered the best orientation resources by Allstate, and it is one of the largest homeowners’ insurance providers. Users are required to enter their Zip codes into a popular and costly claim tool provided by the educational tools provided by Allstate to know about the available and popular claims in their location. New homebuyers get help on deciding what coverage they should add in their policies. There is a big savings package available to new homebuyers based on advantages provided to them as discounts, although there are discounts available to every Allstate’s customers.
A 10% savings is made possible to homebuyers on both welcome discount and homebuyer discount on costs for home insurance each year. The requirements for these discounts include a new home purchase and you must also be a new Allstate’s customer, new homebuyers can only meet these two. New homebuyers can save a lot of money annually with these discounts.
2. Amica Mutual
Overall Rating 4.5 / 5
The performance of this provider in Home Insurance Study by J.D. Power’s 2018 in the United States earned it a place on our top picks. Amica Mutual tops the J.D. Power ratings for 17 years in a row, as it received highest marks in categories like price, interaction, policy offerings, the billing process, customer satisfaction, claims, and policy information.
This company provides homeowners insurance policies which can be customized to meet your specified needs. Discounts are offered to customers who purchase other policies which include auto insurance, and they also have the huge financial muscle to flex making it easy for them to pay policyholder’s claims. The company also reported a 95% rate on customers who wish to transfer their homeowners’ insurance policies to Amica Mutual to continue with the company.
3. Liberty Mutual
Overall Rating 4.3 / 5
This company enables you to purchase a home and car insurance. There are many discounts posted on their website even though to know how much you are allowed to save, you will be required to contact their representative. Home Protector Plus is an additional coverage which pays you whenever there is an ongoing replacement or rebuilding on your belonging and also offers you coverage on camera equipment, highly prized art and jewelry. Inflation protection is also available to adjust the limit associated with your coverage during renewal to make it meet up with inflation. The company should be considered, as they also make a mobile app and prompt issuance of quotes available to you.
Overall Rating 4.5 / 5
This company remains the best insurance provider for military members, their families and veterans in the United States, as they offer great features and services. Policyholders with the United Service Automobile Association enjoy free features, something most insurance companies cannot do. For example, when personal belongings that belong to a policy owner got damaged, coverage is being offered on it by USAA. The feature also makes sure that no deductibles will be paid before the claims for the damaged belongings got paid.
Because USAA understands most of the problems faced by military members, this makes them the best option, as their services are centered in United States military members. None of the remaining insurance providers focused on a single target market. USAA provides discounts on costs for storage and home security systems because they understand that United States military members can be deployed out of the country at any point in time.
With their mobile app, you can make your claims known and communicate with their representative through their mobile app free of charge. Other features to reduce your home insurance rate each year is by increasing the deductible on your policy. Above all, the company is best thing that has happened to the military and other people at large.
5. Erie Insurance
Overall Rating 4.2 / 5
This company was among the top companies that received high marks in the survey by J.D. Power. Erie performed exceptionally on price even though they only receive above-average ratings in all aspects. Their customers are satisfied with their pricing. This company promises 24 hours customer service and timely assistance with claims together with the promise to pay the replacement cost of your home should you need to file a claim.
They also enable customers to customize their policies to meet their various needs. Customers are also allowed to include additional coverage for water backup, earthquakes, jewelry, flooding, highly prized valuables and many more. The company receives the best rating (A+) from A.M. for its financial power and is also the ninth-largest homeowners’ insurance providers in the United States.
6. Farmers Insurance
Overall Rating 4.1 / 5
You are now flowing with the latest. Insurance providers that provide unshakable coverage and excellent customer service are now making waves in the industry and on our top list. This company is another national provider that meets the criteria.
The company is located in California and has been tried many times, and it comes out just fine. Once you have brand new safety components on your home or you are living in a brand new home with the latest safety items, you will be given some particular discounts.
7. State Farm
Overall Rating 4 / 5
Another insurance provider that offers homeowners insurance together with life and auto insurance options is State Farm. On J.D. Power’s study, this company received above the pass marks in all categories which price is not an exception. Discounts are also being offered by State Farm for policyholders that purchase many policies in some province, together with discounts for security systems in their home, and those that increase their deductible.
This company also provides customers with the opportunity to customize their policies to meet their needs. You can increase your coverage amounts, increase or decrease your deductibles to get to the premium you wish, and also add special features to your home insurance policy. The company has also been awarded excellent ratings in the market. S&P Global rated the company AA and A.M. Best rated the company A++ based on financial ability.
8. National General Insurance
Overall Rating 3.8 / 5
None of the companies on our list has underperformed when it comes to the quality of coverage and excellent customer service. Although National General performed beautifully on both, other features amaze us.
This company stands out at making sure they replace the investment value of customers who have experienced loss even though their coverage was not enough to do this. National General also makes use of quality materials to rebuild properties to reduce wear and tear, energy cost and never-ending maintenance.
Overall Rating 3.9 / 5
Due to the availability of policy on replacement cost, this company is the ideal option for those who need an insurance policy for a historic building. Regardless of how much to be spent on it, this will earn you more money than your home could ever do should there be a need for restoration of the building to its former glory.
To ensure the exact level of coverage is being provided to you, this company contacts your home on intervals all through the insurance process. They specialize in inexpensive homes, so it is possible to get a quote from them if your home is worth more. Policies like fraud protection and identity theft are also included in its service.
10. Allied Insurance
Overall Rating 3.8 / 5
Quality and affordable coverage are being offered by this company which is one of the national insurance companies. Allied Insurance provides you answers to all your questions through a phone call. This company is reliable and stable on every side, as their policies are being supported by Nationwide, a company with 90 years of experience. Request for multi-policy and discounts that don’t require a claim if you are an existing Nationwide customer.
Types of Homeowners Insurance Policies
There are numerous types of homeowners’ insurance policies available for you and they are also known as forms. Your ownership of a home will determine the type of policy you will go for. The amount of coverage you need will determine the type of policy you choose, as the type of damages covered varies from one policy to another.
Covers provided by each state vary from one to another, although the descriptions explained below are general. As you determine what you need, take your time to fully understand what will be covered by each policy by reading through them before settling for one.
Below are some terms used in home insurance:
This policy is basic, and the coverage it provides is limited. The names of the damages it covers are well spelt out and they include hail, fire, explosions, smoke, windstorms, theft, and lighting, damage as a result of riots, aircraft, volcanic eruption, and vehicles.
The cover is provided for 16 damages in this policy together with personal liability and personal possessions if properly spelt out in your coverage.
This home insurance policy is the most popular and is also referred to as a separate form policy. They provide coverage for many natural disasters and are affordable. Disasters that are not covered by your policy will be highlighted. Liability, dwelling, and other buildings coverage are examples of the policies.
This insurance is available to renters of a property from 16 pronounced disasters. Since the property owner is responsible for dwelling insurance, this policy will only cover personal possessions. Liability coverage is also included in most of these policies.
This is an elaborated version of HO-3 insurance. Water damage, mold, earthquakes, war, deterioration, floods, and pets, etc. are all covered in this open policy. A few providers only offer this policy and also available to only a few homes.
This type of coverage is also referred to as condo insurance and is available for condominium owners and the protection it offers is similar to that of HO-3 insurance. The homeowners association is responsible for dwelling insurance.
This insurance is only available to mobile or manufactured homeowners and is similar to HO-3.
This insurance is strictly available to old homes such as historic homes, or others that have their home’s cash value lower than their replacement costs. This insurance is similar to HO-3.
What does Home Insurance Cover?
The coverage provided by the insurance policy is the main reason why it is being bought. As stated by the insurance information institute, homeowner insurance companies have written home insurance for many homes in America, and provide great coverage options such as:
Whenever covered damage such as flood occurs to your home, this coverage offers financial protection for the peril caused to the home structure. The home structures include the roof, foundation, walls, siding, and other construction components of your home. The home replacement cost which is the cost of rebuilding your house should be considered when you are choosing coverage limits for dwelling.
Make sure you have a clear understanding as to whether the protection value on your policy is valued at replacement cost value, which will repair damage to your home with quality materials such as the one you used.
Another valuation method is the actual cash value. This policy comes cheap and it only allows for money to be reimbursed to you on any claim on aging or not so strong property. Your dwelling will be paid for replacement or repairers by a typical policy if the damages are caused by any of:
- An explosion
- Damage due to artificial falling objects such as aircraft
- Wind damage
- Damage from the weight of snow or ice
- Vandalism and theft
- Falling objects such as tree limbs
- Water damage from appliances (but probably not floods)
- Lightning strikes
- Damage from a volcanic eruption
- Fire and smoke
- Being struck by a car
- Damage from civil disruptions such as a riot
Whenever you or any of your household member cause injury on other person or someone gets injured while on your property, for instance, your neighbor got bitten by your dog, this coverage protects your cover costs and assets related with legal action. If you or any of your household causes any damage to other people’s property as well, this insurance also covers it.
The size of your home and the assets therein will determine the benchmark for this policy even though $100,000 is a nice start. Regular personal liability limits start from $100,000 – $300,000, restricted additional annual cost of available to lift these limits by hundreds of thousands of USD.
Additional Living Expenses
Your will need of means to pay for another place to live in your home is no more livable as a result of damages or destructions. Additional Living Expenses (ALE) coverage should be able to cater for this as provided in your homeowners’ insurance. There are numerous things to do by your homeowners’ policy such as liability, additional living expenses, personal property, and structures. It is advisable to have it set up so your investment can get proper protection.
Other Structures Coverage
Structures such as a fence that are connected to your house are also protected under this coverage in case of damage or if destruction is done to them by a covered risk. Below are some items that are protected under this coverage:
- A detached garage
- A pool house
- Storage shed
- A detached apartment
- An in-ground pool
- Even a fence
A certain percentage of your dwelling coverage will be used on this coverage. You can contact your provider on how to increase the other structures coverage in your policy in case you have a building detached from your home.
Personal Property Coverage
Financial protection is provided from covered risks for the possessions you have in your home by this coverage. Clothing, furniture, appliances, and televisions are all examples of the items in your home that are protected. Kindly note that the coverage provided on highly prized items like jewelry is limited.
For instance, the coverage provided by an insurance company on jewelry theft may only be $1,000. However, schedule personal belongings coverage option is being offered by many insurance companies at a price, thereby increasing the protection for the highly prized items.
Guest Medical Coverage
When other person gets injured on your property, and they choose not to proceed with a lawsuit; this coverage will cover their medical bills and other similar expenses. The popular level of coverage is $1,000, although some homeowners decide to go for an increase.
The coverage types offered by most top homeowners’ insurance carriers are the same. Comparing the options included in the coverage and the rates, it is an ideal way to locate the perfect homeowners’ insurance package using an online quote system.
Things not Covered by Homeowners Insurance
Normal homeowners’ insurance policies cover not all risk to your home. Adding of additional coverage to your policy is, however, allowed. Natural disasters that are not covered in your policy can be bought separately. Let’s look at them one after the other:
You might want to purchase insurance coverage for flood via the National Flood Insurance Program via private insurance company, as homeowners insurance doesn’t offer coverage for damages from flood. Your mortgage lender will require flood coverage if your home is located in a flood-prone area.
2. Emergency Living Expenses
Additional coverage may be required for living expenses by some homeowners if living in their home is not possible as a result of a covered disaster.
3. Trampoline Accidents
Trampolines are a great risk, and that is why homeowners insurance avoids them. As some insurance won’t offer coverage on injuries from trampolines, some will have your premium increased greatly. Before you allow any of your household members on the trampoline at your backyard, be sure to contact your insurance company.
4. Stolen Cash
An example of investment is like keeping cash in a coffee can or container under your bed. Should your house be burgled or in the event of a disaster, this may leave you with some cash to fall back on. The insurance policy only covers $200 at home, so if you have more than that stolen or lost in a flood or fire, then you are on your own. Deposit the cash into your bank account before any of these ugly events occur.
5. Pool Accidents
Many of the home insurance liability policies do not provide adequate coverage for deaths or any accidents caused by or that occurs in a pool. Consider increasing your liability from $300,000 to $500,000 to ensure full coverage for you and your household should there be ugly events.
Coverage is not provided for Earthquakes by standard homeowners insurance. Damage such a fire that emerges from an earthquake may be covered. If you live closer to an earthquake-prone zone, then you can go for earthquake insurance separately.
7. Maintenance Neglect
The homeowner is required by home insurance providers to perform general maintenance on their home to make sure the home is livable and free from damages as much as possible. This means that some issues related to maintenance are not covered by standard insurance policies such as:
- Burst pipes: Pipes become weaker and can start to crack or leak as they age. The risk can be caused as a result of some do-it-yourself repair or frozen pipes during winter. If you have a kind of water damage provision in place, then coverage may be provided by a burst pipe, however, not the exact cost of the pipe repair.
- Sewer backups: Your home can be flooded by breakage from your sewer line as a result of cracks caused by tree roots, heavy rainfall or blockages. This event also falls in the same line with burst pipes. If you have special endorsements in place, then coverage might be provided for the damage that emerges from it, however, not the exact cost of replacement.
- Mold: Mold breeds in a room with relative humidity such as crawl spaces, basements, attics, or any space in your home that just experienced water damage. Respiratory problems can be caused by active molds that grow on the walls or floors. The easy preventive nature of mold makes it difficult for home insurance policies to provide coverage for it without special endorsements.
- Termites: Damages that worth a fortune is caused to homes annually by termites. These pests are very dangerous, as they slowly feed on the wooden beams used to hold your home without you noticing it. The cost of the damage by termites or other pests will not be covered, as it is being viewed as a negligent of proper home maintenance.
- Ordinance changes: A new law may emerge that certain home equipment such as gas pipeline be upgraded even though it is still working perfectly with no record of damage from it in time past. Some cities mandate it for certain homeowners to install fire suppressors in their home based on the home size with the homeowners paying for it. Although some providers make provision for some ordinances, however, they will not provide coverage for upgrades mandated by the governments. Coverage will also not be provided for a confiscated property by the government. No insurance cover on the damages.
8. Acts of War
Coverage against an act of war is not among the major reason behind home insurance purchase, as you live in the US. The number of people that think about this continues to grow by the day considering the level of indoor terror attacks that either occur or averted in recent years.
As of today, no coverage is provided on any terror attacks that involve the use of chemical, nuclear, radioactive, or biological weapons. They are uninsurable, as they are referred to as acts of war. Those cases are, however, too high. Most insurance providers offer coverage on damages that result from fire, explosion, and smoke.
9. Additional Protection
There is much additional coverage that is used to complement the basic choices mentioned above by most insurance companies. For instance, optional covers are provided for water backup, identity theft restoration, and scheduled personal property by companies.
Although coverage is provided for damages that result from fire and wind by many home policies, however, additional policy option has to be included for earthquakes or floods, as they are not provided in the basic options. Before purchasing an additional policy, you should first understand the disaster coverage options provided by the insurance company if your home is in an area prone to these threats.
How much does it cost to purchase Homeowners Coverage?
An average of $95 is being spent on homeowners insurance by homeowners in the United States each month. The price of the insurance you purchase is determined by some factors which include your location, the type and amount of coverage you buy, together with the company that provides insurance for you.
Your cost will be increased when you add trampoline or pool coverage to it. Before you finally decide on a provider, request and compare coverage costs and premiums from different companies.
To make sure the quality of the coverage you receive equals to the amount you can afford each month, make sure you fully understand how deductibles and premiums from your provider work.
These factors are some of the factors used to determine your cost of insurance:
- Deductible: The price of your coverage is greatly affected by the amount of deductible you select. You will be required to pay more from your purse if an event occurs when you choose a high deductible. The lower premium is known as the trade-off. It is advisable to stay with the deductible you can easily afford. Providing $1,000 in the event of home damage is still possible without breaking the bank, but the same can’t be said about providing $3,000 or $6,000. Note that until the deductible is met, the insurance won’t be triggered.
- Home’s age and construction type: There is certainly going to be an issue with HVAC systems, electric wiring, and plumbing if you are living in an older home. These problems are not peculiar to new homes.
- Coverage amount: The price of your coverage is greatly affected by the amount of coverage you choose.
- Location: Although the national home insurance premium across the nation was an average of $1,173, a recent study shows that it varies from one place to another. For instance, the average cost in Oregon is $643 while the average in Florida is $1,993. Your policy will be much higher if you live in places more prone to natural disasters, increased level of crime or is not anywhere close to a center for emergency services,
- Credit score: The price of your coverage is also greatly affected by your credit score, whether average, good or bad.
- Risk factors: A higher premium might be required if you have a trampoline, a pool, or an aggressive dog in your home.
- Claims history: A higher premium may be required if you file any claims within a year.
Qualities of Good Homeowners Insurance Company
You want to choose an insurance company that will provide you what you need when needed. Below are some of the good features you should be looking out for when searching for a reputable homeowner’s insurance provider:
Speed is a great factor to consider when dealing with the insurance provider, as homeowners’ insurance policies are majorly required during emergencies. The major difference between homeowners’ insurance providers is how quickly they process and pay insurance claims. These include:
- Claims processing: It may take almost forever for an insurance company own by a bureaucrat to process and pay insurance claims, and this may be somewhat difficult for a homeowner who wants to use the money to settle an urgent need or repair some damages. Some companies are in the habit of going into a legal war with policyholders just to reduce or refuse to pay up.
- Claims adjuster: The initial estimates of the entire cost for repairs, restoration and cleans an adjuster will provide ups from the insurance provider at the time the claim is being processed after they have accessed the damage caused by the incident. You can hire an insurance adjuster who works alone to conduct proper and unbiased investigations for you because most of the insurance adjusters work with insurance companies. Because there have been many reports on dissatisfaction expressed by homeowners about their provider’s claims adjuster, most of them now hire public adjusters.
Top-rated insurance companies will have A-rating and will also have a great number of satisfied customers both with their coverage and service. If an insurance company has a poor rating, likely, customers are not satisfied with them, and to even pay customer’s insurance claim will be a major problem, as such company might not have enough financial power. These aspects of rating include:
- Ratings on customer service & satisfaction:D. Powers and Associates is one of the major establishments that rates insurance providers based on customer satisfaction, being the basis on which the needs of customers are catered for.
- Ratings on Price & policy value: Your required policy will be provided by a homeowner’s policy that has high value at a not-too-high premium.
- Financial strength ratings: The ability of an insurance provider to pay policyholders’ claim as at when due is being measured by these ratings, this also determines the availability of the company during an emergency.
- Claims service ratings: These rating measures how insurance providers fill, process, adjust and pay claims.
Policyholders require customer service, as it allows them to ask questions and receive answers concerning their coverage before, during or after a disaster. Some insurance providers interact directly with their customers without the help of an intermediary. Other insurance provider makes use of independent agents which may be from other insurance companies. Insurance companies’ customer services are categorized as follows:
- Central customer service: A specified contact center is being made available by some insurance companies where they listen and solve customer’s complaints.
- Localized customer service: Local agents are being used by some insurance providers to listen and solve policyholder’s issues.
- Digital customer service: Different online method is being used by some insurance providers to interact with customers, making it possible for them to communicate regardless of their location.
The Following Table Displays the Best Homeowners Insurance Companies of 2020
|No.||The Best Homeowners Insurance Companies of 2019||Website||Phone Number|
|2.||Amica Mutual Insurance||www.amica.com||800-242-6422|
|3.||Liberty Mutual Insurance||www.libertymutual.com||800-295-2723|
|7.||State Farm Insurance||www.statefarm.com||800-732-5246|
|8.||National General Insurance||www.nationalgeneral.com||888-293-5108|
The Reason not to base your Decision on Price Alone
Both the policy limits and list of things covered by your insurance policy should be given proper consideration, as it is meant to protect your highly prized assets. Although the cost on your insurance will increase each year as you add coverage and expand your policies limits, it will be a worth, as you are providing adequate protection to your highly valuable asset.
Check on the average home insurance rates in your state or province if you noticed you are being overcharged for home insurance. Transferring from one insurance provider to another doesn’t mean you will be required to reduce your coverage, as most of them offer the same endorsements.
Frequently Asked Questions
How much will my homeowner’s insurance policy cost?
There are many factors that determine the cost of a homeowner’s insurance policy. Your home’s value, the coverage plan you choose, the state and city where you live, and your insurance history all play a part.
If you live in a safer neighborhood and have a smaller home, while you have not filed any insurance claims in the past, you should get very competitive rate offers. Living in more dangerous areas with long claims history will result in more expensive policy offers.
Can I deduct my homeowner’s insurance policy payments come tax season?
Homeowners insurance policies are not tax-deductible. Homeowners do benefit from many other loopholes within the tax code, but they cannot add their insurance policy is tax-deductible.
The only time it may be possible to claim a tax deduction for your home is if you are using it as a home office. Those who work from home or run a business from their house may qualify.
It is best to consult with a tax professional or an accountant if you want to legally file for a tax deduction on your homeowners insurance policy.
Is it possible for an insurance company to drop me as a client?
There are two ways that an insurance company can “drop” you as a client. The first is to not renew your policy after each year. They send you a letter saying your policy will lapse when the current contract expires.
It is also possible for the company to cancel your insurance policy. Within the first 60 days, they can cancel for any reason. If 60 days pass, the insurance company must provide an explanation for the cancellation.
Reasons include non-payment of your premiums, misrepresentation of your property, or an increase in the risk of you filing a claim.
Am I legally required to get homeowners insurance?
There are some insurance policies that you must legally obtain. For instance, individuals who want to drive in the United States must purchase some form of car insurance.
Many cities and states require that you purchase renters insurance if you are renting an apartment in their jurisdiction. Landlords may also require you to maintain insurance if you wish to abide by the terms of your lease.
However, homeowners insurance is not a legal requirement. It is your choice to purchase a policy, unless it is required for a mortgage. Even though it is advisable, you can choose to live in a home without any insurance.
How long will it take to file a claim and receive my insurance payout?
If something happens to your home, you have to file a claim with the insurance company to qualify for a payout. Depending on the city or state where you live, it can take anywhere from a few weeks to months for your claim to come through.
Some states ask insurers to respond within 10 to 30 days, while others suggest 40 days to approve or deny a claim. There are states where a “reasonable” amount of time is the only requirement, which the insurance company may extend to several months.
Do I have to file a claim right after an incident?
Insurance companies will specify how quickly you must file a claim after the incident that caused damage. Look at the fine print in your contract and keep that in mind when you are dealing with any damage to your home.
For instance, the insurance company may specify that you file a claim within 30 days of an incident causing damage to your home. Other companies may give you up to one year.
Regardless of what leads to your search for the best homeowners insurance, once you get one, you can then shift your attention on enjoying and developing your property. Homeowners insurance companies are some of the insurance companies handpicked for delivering the best services when it comes to home insurance. Stay tuned for more informative posts from this page!