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.

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.

The plan will impose a special charge on homeowners and insurance companies to cover $1 billion in L.A. wildfire costs ...

How much does your county’s average cost compare to the rest of the state? How much has it increased. Find out with our ...

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

Here’s what to know about the cost of car insurance in Florida, why it's so expensive and what drivers should know about ...