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 ...

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' ...

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An insurance policy is a contract between a policyholder and an insurer that helps the policyholder manage risk and protect against unexpected financial losses. The policyholder may be an individual ...

Before hurricane season starts is a good time to check your insurance coverage to make sure you’re financially protected. If you live in an area prone to hurricanes, you may need windstorm insurance.