A home warranty and home insurance both provide peace of mind, but they offer different types of coverage. Find out how they differ and if you need both.

Homeowners insurance perils are unpredictable events that cause damage to your property. Home insurance typically covers 16 named perils. Commonly excluded perils from home insurance policies include ...

Your home insurance policy includes a declarations page and the policy jacket. Understanding replacement cost versus actual cash value can help you determine how your homeowners insurance claim could ...

When you apply for a mortgage, the lender will likely require homeowners insurance before funding your loan. This insurance helps protect their investment if something unexpected damages or destroys ...

With a background in journalism and counseling, Penny Min blends analytical research with real-world insight to help readers make informed financial decisions. At Forbes Marketplace, she specializes ...

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.

Tornadoes are a natural disaster that often cause significant destruction. Wind and hail are the leading causes of losses in home insurance claims, according to the Insurance Information Institute.

Florida's homeowners insurance market is stabilizing after a crisis, though obtaining insurance during hurricane season remains challenging. Homeowners insurance typically excludes flood, earthquake, ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

In 2024, 6.1 million American homeowners skipped home insurance, according to the Consumer Federation of America. Without coverage, they risk paying tens of thousands of dollars out of pocket for ...