For decades, the affordability conversation has focused on mortgage rates, wages, and construction costs. Another factor has now muscled its way into the equation: the cost and availability of ...

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 ...

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a ...