Data released by the state of Florida shows more and more homeowners are opting for an alternative form of home insurance — if they can stand the risks.

Dwelling coverage relates to physical damage to the home itself (walls, roof, floors, doors and other parts of the structure). If you own a home or condo, you'll need either home insurance or condo ...

You want to make sure you have enough replacement cost value coverage so that your insurance company would provide enough money to rebuild if your house is damaged by a fire or other problems ...

Unlike HO-1 and HO-2, which only provide coverage for specific, named perils, HO-3 home insurance policies cover your dwelling and other structures on your property under open perils coverage.

"Your dwelling coverage is based on the cost to ... ways to get a discount is to combine your homeowner policy with other coverage you already have (like auto or life insurance).

On the other hand, actual cash value only reimburses ... Loss of use coverage usually defaults to a percentage of your dwelling coverage limit, typically around 20% to 30%. Hazard insurance ...

The rebuild value is just one factor that will impact your home insurance rates, but it’s important since your dwelling ...

Send a note to Les Masterson, Penny Gusner and our other editors ... has excellent rates and provides additional coverage that goes beyond dwelling coverage, such as equipment breakdown and ...

It can also pay for lodging and other expenses while your ... Add-on options include computer coverage, sump pump backup coverage, and dwelling replacement coverage. Who's this for?

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible. Note: Some insurance companies included in this ...