A home warranty and home insurance both provide peace of mind, but they offer different types of coverage. Find out how they differ and if you need both.

An HO-3 policy is a form of home insurance that protects against property damage, legal liabilities and other expenses associated with unexpected disasters to the home. Most insurance companies' ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. MoMo Productions / Getty Images The coinsurance formula is the homeowners insurance formula ...

It indicates an expandable section or menu, or sometimes previous / next navigation options. Affiliate links for the products on this page are from partners that compensate us (see our advertiser ...

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See ...

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 ...