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' ...

Former LIC Executive Director Aditya Gupta explains why filling your insurance proposal form yourself, choosing the right nominee, and using policy loans correctly can protect families during claims.

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Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Andy Smith is a Certified Financial Planner (CFP®), licensed realtor and educator with over ...