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 ...

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 ...

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 ...

American Modern Insurance Group is a specialty division of Munich Re. It offers homeowners insurance for properties that may be difficult to insure through standard carriers. The company has unique ...

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 ...

Accumulation on roofs and gutters can lead to everything from cracks to total collapse. Most standard homeowners insurance ...

Homesite policies are easy to customize and buy online. 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 ...

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Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

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