Learn what home insurance covers, from dwelling and personal property to liability. Compare policy types, exclusions, and coverage limits before buying.

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 ...

Performance Adjusting reports that homeowners insurance typically covers various property damages, including fire, theft, and ...

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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 ...

Mercury sells homeowners insurance in California and several other states. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain ...

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 ...