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Practical insurance explanations and real-life coverage questions.
No-exam life insurance does not necessarily mean no underwriting: accelerated underwriting can use application data, prescription history, motor-vehicle records, insurance databases and predictive…
Keep readingEquipment breakdown is usually an optional homeowners endorsement aimed at sudden electrical, mechanical or pressure-system breakdowns that a standard property policy may not…
Keep readingThe policyowner, insured and beneficiary can be different people: the owner controls contractual rights, the insured is the life on which coverage is…
Keep readingService line coverage is an optional homeowners endorsement that can address qualifying physical damage to exterior underground utility lines a homeowner is responsible…
Keep readingAn accelerated death benefit rider can allow an insured person who meets the rider’s qualifying illness conditions to access part of the life…
Keep readingStandard renters insurance generally does not cover flood damage from rising surface water; renters can buy separate flood coverage for belongings through the…
Keep readingEarthquake damage is generally excluded from a standard renters policy, but separate earthquake insurance or an endorsement may be available to protect personal…
Keep readingRenters liability coverage can respond when a policyholder is legally responsible for injury or property damage caused by a pet, but animal exclusions,…
Keep readingRideshare driving can create different insurance periods, and a personal auto policy may exclude livery use while a transportation network company provides different…
Keep readingUsage-based insurance uses telematics data—such as mileage and driving behavior—to help an insurer evaluate risk or price coverage, so consumers should understand both…
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