Buying a house is a big investment. To protect your new home, it is important to get homeowners insurance. Basic insurance policies cover your home and your belongings against damage and destruction ...

The most common type of homeowners insurance policy is the standard HO-3 Special Form policy. HO-5 policies offer the broadest coverage of all policy types. Open peril coverage means losses are ...

Insurance can be a cost-effective way to protect yourself financially from expensive issues like a house fire, car accident or serious health condition. Understanding the different types of insurance ...

Discover what homeowners insurance typically covers and what it doesn't cover, like flooding or earthquakes. Ensure that your ...

With 15 years of immersion in the world of personal finance, Ashley Kilroy simplifies financial concepts for individuals striving toward financial security. Her expertise has been showcased in ...

Learn the differences between homeowners and mortgage insurance. Find out how each one protects your investment or lender and what they mean for your mortgage.

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A resident makes repairs on his trailer home at Briny Breezes. If you’re one of the many Floridians shopping for a new home insurance policy during Florida’s insurance crisis, you need to know a few ...

Home insurance is an ongoing cost tied to homeownership. Most Americans can't avoid it — mortgage lenders require coverage before closing a loan — and this type of coverage is typically imperative ...

On the declarations page of your new policy, look for the policy effective date. This is when your new coverage begins.

When choosing between types of homeowners insurance, you’ll want to consider your home’s value and structure, as well as your budget. With a little homework, you could have the right policy for you in ...