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 ...

Homeowners insurance is set to get more expensive again in 2026, and the jump will not be random. Insurers are recalculating ...

Home warranty vs. home insurance, what's the difference? One covers normal wear and tear and the other liability and ...

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 ...

Home insurance costs jumped 62% from 2022 to 2025, based on our analysis, and rising rates are expected to continue in 2026.

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 ...

Mercury homeowners insurance earned 4 stars out of 5 for overall performance. Mercury is one of the biggest home insurers in California, but it also sells homeowners policies in several other states ...

Florida is one of the most expensive states for homeowners insurance, largely due to the heightened risk of hurricanes, floods and other severe weather. Annual premiums in the state averaged $5,409 in ...

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

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As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking ...