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.

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 ...

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.

Add-on options include computer coverage, sump pump backup coverage, and dwelling replacement coverage ... and offers a variety of riders and other insurance policies. Who's this for?

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?

"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).

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 ...

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 ...

For instance, if your dwelling coverage limit is $350,000 and your loss of use coverage ... This coverage can help pay for a hotel, food and other expenses if your rental home or apartment is damaged ...

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