Learn how the coinsurance formula affects your home insurance claim reimbursement, why maintaining 80% coverage is crucial, and see examples to avoid penalties.

Discover how recoverable depreciation in home insurance covers replacement costs, impacts claims, and ensures full recovery of your belongings' value.

"We have to ask, 'Who is not paying?'" Homeowners left in lurch as insurance companies make dramatic policy change: 'It does expose it and amplify it' first appeared on The Cool Down.

Your home is more than just a place to live — it's probably your largest investment. Protecting it from financial disaster starts with the right insurance coverage. When unexpected damage occurs, a ...

What is short-term rental insurance? What is short-term rental insurance? Your standard homeowners insurance does not provide coverage if you rent out your home, which can leave you financially ...

The shocking rise in policy cancellations: Is your home insurance next? Based on recent announcements from various state insurance regulatory agencies, along with national headlines and reporting, ...

Did you know that standard homeowners’ insurance policies do not cover damage from earthquakes? That means that if you want ...