On the declarations page of your new policy, look for the policy effective date. This is when your new coverage begins.

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. Penny ...

Climate change shapes where and how we live. That's why NPR is dedicating a week to stories about solutions for building and living on a hotter planet. The roof on Ron Watson's house in Spanish Fort, ...

To get adequate homeowners insurance coverage, know which questions to ask. Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

Some consumers are turning to home warranties to replace the mechanical breakdown endorsement on a home insurance policy.

Contractors install a roof in Mobile County, Ala., designed to better withstand hurricanes. Other states are adopting similar programs, offering insurance discounts to encourage disaster preparation. ...