A home warranty and home insurance both provide peace of mind, but they offer different types of coverage. Find out how they differ and if you need both.

An HO-3 policy is a form of home insurance that protects against property damage, legal liabilities and other expenses associated with unexpected disasters to the home. Most insurance companies' ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. MoMo Productions / Getty Images The coinsurance formula is the homeowners insurance formula ...