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

Learn how renters insurance protects your belongings, covers liability, and supports additional living expenses. Discover why it's crucial even when not legally required.

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 ...

States do not legally require homeowners to have home insurance, but it is usually required by your lender if you currently have a mortgage on your home. Home insurance provides financial protection ...

Home insurance premiums are on the rise but many homeowners could find themselves underinsured due to recent increases in the price of gold. The gold price has increased by 35.9% over the past year, ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

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Universal Property sells home insurance in Florida and more than a dozen other states. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you ...