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Home insurance premiums are up by 9% this year

Home insurance costs continue to climb, with premiums rising over 9% this year and more than 60% in the past five years. However, coverage hasn’t kept pace, leaving many homeowners paying significantly more for less protection. With affordability becoming a growing concern, it’s more important than ever to compare options—check out Money’s handy home insurance tool to find the best fit for you.

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The Hidden Risk of “Cheap” Flips

At first glance, a $100,000 house looks safer than a $300,000 one. Smaller deal, smaller risk… right? Not exactly. Lower price means smaller margins—and smaller margins mean mistakes or surprises can kill you.

On a $300K flip, a $10,000 surprise in the rehab budget hurts, but it probably doesn’t wipe out your profit. On a $100K deal, that same surprise might turn a winner into a loser overnight. The math doesn’t care how “affordable” the property looked going in.

Cheaper homes often come with older systems, deferred maintenance, and buyers who are more price-sensitive. That combo leaves you with tighter spreads, longer market times, and fewer ways to recover when something goes sideways.

This doesn’t mean avoid low-priced flips—it means respect them. Run tighter numbers. Assume your cost overruns will hit the same dollars, not the same percentage. And for the love of ROI, don’t trick yourself into thinking “cheap” means “safe.” In real estate, risk isn’t about the price tag—it’s about the margin for error.

Where to Invest $100,000 According to Experts

Investors face a dilemma. Headlines everywhere say tariffs and AI hype are distorting public markets.

Now, the S&P is trading at over 30x earnings—a level historically linked to crashes.

And the Fed is lowering rates, potentially adding fuel to the fire.

Bloomberg asked where experts would personally invest $100,000 for their September edition. One surprising answer? Art.

It’s what billionaires like Bezos, Gates, and the Rockefellers have used to diversify for decades.

Why?

• Contemporary art prices have appreciated 11.2% annually on average

• …And with one of the lowest correlations to stocks of any major asset class (Masterworks data, 1995-2024).

• Ultra-high net worth collectors (>$50M) allocated 25% of their portfolios to art on average. (UBS, 2024)

Thanks to the world’s premiere art investing platform, now anyone can access works by legends like Banksy, Basquiat, and Picasso—without needing millions. Want in? Shares in new offerings can sell quickly but…

My subscribers skip their waitlist*

_{*Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd.}