Homeowners Insurance Deductibles: Flat, Percentage, Wind and Hail
A homeowners deductible can be a fixed dollar amount or a percentage of an insured value, and wind, hail, named-storm or hurricane losses…
Keep readingHome Field Guide
Home insurance, from the front door to the fine print.
Coverage for the structure is only the beginning. Explore property, liability, deductibles, exclusions, claims, weather losses, water damage, and the details that change from one policy to another.
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Stories and explanations for home insurance.
HO-3 vs. HO-5 Homeowners Policies
HO-3 and HO-5 labels describe policy-form structures, but the practical comparison is which property is covered on an open-perils basis, which exclusions remain,…
Keep readingEquipment Breakdown Coverage Explained
Equipment breakdown is usually an optional homeowners endorsement aimed at sudden electrical, mechanical or pressure-system breakdowns that a standard property policy may not…
Keep readingService Line Coverage Explained
Service line coverage is an optional homeowners endorsement that can address qualifying physical damage to exterior underground utility lines a homeowner is responsible…
Keep readingRecoverable Depreciation in a Home Insurance Claim
Recoverable depreciation is the portion of depreciation an insurer may initially withhold from a replacement-cost claim and later pay after qualifying repair or…
Keep readingHome Insurance Claim Appraisal and Dispute Process
Appraisal is a policy-based process used in many property claims to resolve disputes about the amount of loss; it generally does not decide…
Keep readingWhat to Do If a Home Insurance Claim Is Underpaid
An underpaid home claim is usually a dispute about scope, valuation, documentation, depreciation, deductible application or a coverage limit. Start by comparing the…
Keep readingCan You Reopen a Home Insurance Claim?
A closed home insurance claim may sometimes be reopened or supplemented when additional covered damage or payment issues are discovered, but policy conditions,…
Keep readingErie Home Insurance Research
Erie’s current homeowners materials highlight dwelling and personal-property protection, loss-of-use help, personal liability and replacement-cost features. The research task is to confirm which…
Keep readingFarmers Home Insurance Research
Farmers offers a conventional homeowners coverage structure plus optional features that can change rebuilding, water-backup and valuables protection. A useful review separates the…
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