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 ...

Personal property is a standard coverage on a homeowners insurance policy. It covers belongings like furniture and clothing, paying up to a certain limit if they are stolen or damaged by a covered ...

If you're operating a rental property, you generally need landlord insurance. Sometimes called rental property insurance or dwelling insurance, it's typically required if you have a mortgage on your ...