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8 Types of Homeowners Insurance

HO-8: Called the "Modified Coverage Form," HO-8 is a policy designed for older properties (built more than 40 years ago). It covers fewer perils than an HO-3, and the dwelling coverage limits are ... read more

What does a home warranty cover?

What does a home warranty cover? Learn what’s typically included and excluded in policies and how warranties save homeowners money on repairs. read more

Does home insurance cover plumbing?

Home insurance will likely cover plumbing if you’ve had an accident or sudden event, but regular maintenance and repairs aren’t likely covered. read more

How Forbes Advisor Rates Home Insurance Companies

Why it’s important to consumers When companies have pre-set lists of banned breeds it can be difficult for owners of those breeds to find insurance even if the dog is well-trained and well-behaved. read more

What is mortgage protection insurance, and what are the pros and cons?

Consider our comprehensive guide to mortgage protection insurance, how it works and key considerations for safeguarding your real estate. read more

Homeowners insurance doesn't cover floods: How to protect your home in North Carolina

Homeowners insurance doesn't cover floods, so purchasing separate flood insurance is crucial in North Carolina, especially in high-risk areas. read more

Homeowners Choose Minimal Insurance Due to Rising Rates — How Risky Is it?

Discover the reasons behind rising homeowners insurance rates and the risks of minimal coverage, along with advice on how to mitigate these risks. This article originally appeared here and was ... read more

Florida’s Home Insurance Industry May Be Worse Than Anyone Realizes

Her insurance company, Avatar Property and Casualty, covered the cost of some repairs. But the roof continued to leak and mold grew inside the house, she said. Ravelo sued Avatar to compensate her for ... read more

How does renter’s insurance work?

Renter’s insurance provides important financial protection if your personal belongings are damaged, destroyed, stolen, you’re held liable for someone’s injury or property damage, or you’re forced to ... read more

Insurance rates stabilizing thanks to legal reforms, officials say. But homeowners still feeling pain.

Several top Florida insurance regulators say that legal reforms enacted in 2022 and 2023 have Florida’s insurance market poised for a comeback. Homeowners, however, say they’re still ... read more

Recoverable depreciation in home insurance: what it is and how it works

Your insurance provider pays out the recoverable depreciation: Once you have proven that you replaced the destroyed or stolen items (or repaired the damage to your home) with new items and show your ... read more

Homeowners insurance is through the roof in Oklahoma — and the roof might not be covered, either

Welcome to Oklahoma, newcomers. We talk a lot about severe weather. It does more than scare you. It costs more to insure a home here than anywhere. read more