When a storm, fire, or burst pipe wrecks your home, the difference between walking away financially whole and taking on new ...

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One pays the current value, minus depreciation; the other pays the full cost to replace your property. Many, or all, of the products featured on this page are from our advertising partners who ...

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, ...