Dwelling insurance, or Coverage A, is the portion of your home insurance policy that protects the structure of your home against damage from fires, wind, hail, falling objects and many more ...

An HO-3 special form homeowners insurance policy is the most common home insurance. HO-3 policies provide broad protection for your home against various perils, and coverage exclusions must be ...

The insurance industry is reacting to natural disasters by raising rates, reducing coverage and exiting some markets entirely.

If you live in an area that’s prone to hurricanes, you may need flood insurance and windstorm insurance, in addition to homeowners insurance.

Home insurance does not typically cover flooding, which is the most significant threat to homeowners during a hurricane, according to the National Oceanic and Atmospheric Administration. The hurricane ...

Weather-related disasters have caused insurance companies and customers to abandon coverage, with 12% of homeowners forgoing home insurance.

Home values are much lower than the national average, which may mean lower insurance prices. Insurance costs are 2.0 percent of typical home values, much higher than average.