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.

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 ...

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

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 ...