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While homeowners-insurance policy exclusions can burden consumers with significant out-of-pocket expenses, expanding policies to fill coverage gaps creates a new set of challenges, such as affordability issues, lower consumer demand as rates rise and regulatory approval for risk-based rates, the GAO says.

Many collectors rely on traditional homeowners insurance to protect fine art and other collectibles, but a specialized policy may better serve their needs.

In the wake of Superstorm Sandy, insurers in New Jersey will be required to add a summary sheet to homeowners policies issued to consumers.

In the wake of Superstorm Sandy, insurers in New Jersey will be required to add a summary sheet to homeowners policies issued to consumers.

A bill proposed in the wake of Sandy moves a step closer to passage.

A bill proposed in the wake of Superstorm Sandy that would have insurers produce a single-page summary of a homeowners policy in New Jersey moved a step closer to passage after an Assembly committee approved language the industry can live with.

Floridas insurance department says it has approved a plan by the states Citizens Property Insurance Corp. to remove 150,000 homeowners policies to four private-sector companies.

Floridas insurance department says it has approved a plan by the states Citizens Property Insurance Corp. to remove 150,000 homeowners policies to four private-sector companies.