To cut through the confusion, we asked insurance experts to break down the essentials. Below, they share insights on coverage ...

A homeowners insurance deductible applies when you make a home insurance claim for property damage. The deductible does not apply if someone makes a liability home insurance claim against you.

Home and auto insurance premiums may not increase as much as in recent years, but the industry remains under pressure.

Rising home insurance costs are straining budgets, but there are ways to lower your premium without sacrificing protection.

A standard home insurance helps pay for lodging ... you may be able to get flood insurance for your personal items through the private market. For example, Neptune flood insurance offers up ...

Corrections & Clarifications: An earlier version of this story misstated the average home insurance figures for a $300,000 home in California, Texas and Florida as monthly figures. They were annual.

Personal insurance rates are expected to rise significantly ... to secure affordable coverage and their financial readiness for home purchases, with home prices also projected to rise by 4.4% ...

Landscaping around the property is equally important. CalFire recommends removing vegetation within five feet of windows and ...