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 ...

Most people need sufficient home insurance to cover their home’s replacement costs, but the amount of coverage you need will depend on your property, area risks, and other factors. Homeowners ...

Home insurance is a contractual agreement between you and your insurance provider. In exchange for monthly or yearly payments, called premiums, the company provides financial protection for your home ...

Understanding home insurance involves comparing policies, assessing coverage needs, and knowing standard exclusions. Essential tips include accurately evaluating replacement costs, considering natural ...

Home warranties cover repairs for systems and appliances from normal wear and tear, while home insurance covers damage from events like fire or theft. Home insurance is typically required by mortgage ...

Homeowners' insurance and flood insurance are typically sold as separate policies. Most flood insurance policies have a 30-day waiting period before they become active. It is difficult to get new ...

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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, ...