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 ...

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 ...

It indicates an expandable section or menu, or sometimes previous / next navigation options. Affiliate links for the products on this page are from partners that compensate us (see our advertiser ...

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 ...

Here’s how to find the right home insurance for your needs. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our ...

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 ...

Buying your first home is a major milestone. However, it comes with major financial responsibilities, including protecting your home with homeowners insurance. While many first-time buyers focus on ...

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

As the largest homeowners insurance company in the U.S., State Farm is able to offer reasonable rates, exceptional customer service and access to an army of over 18,000 agents, both in person and ...

Learn how windstorm insurance covers property damage from hurricanes and tornadoes, and find out if you need extra coverage in high-risk areas.

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full ...

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 ...