A $400,000 house costs an average of $3,216 to insure per year, but your cost will vary based on a few factors.

U.S. states have set up insurers to provide protection in disaster-prone areas that private insurance has avoided. They are taking on more risks as calamities become widespread.

Non-owner car insurance is a policy for people who don’t own a car but frequently rent or borrow other vehicles. It provides ...