When a storm, fire, or burst pipe wrecks your home, the most important line in your policy is not the deductible, it is whether your payout is based on replacement cost or actual cash value. That ...

Homeowners insurance isn’t just about picking a policy and crossing your fingers after you buy your home. It’s about making sure your coverage truly reflects what it would cost to rebuild it. That’s ...

Home insurance premiums are rising sharply, mainly due to increased climate-related disasters and location risk. Experts advise proactive management: insure replacement cost, avoid small claims, and ...