Renovating Your Home? Insurance Questions Before Work Starts
A renovation can change rebuild cost, create new liability exposures and introduce materials or valuables that were never contemplated when the current policy…
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Insurance questions, minus the boardroom voice.
Practical reads for the moments around a policy: moving, buying, driving, adopting, protecting, repairing, and filing a claim.
Homeowners Insurance vs. Flood Insurance
Homeowners insurance and flood insurance can both protect a home, but they are built around different causes of loss. Standard homeowners policies generally…
Keep readingNamed Perils vs. Open Perils Home Insurance
Named-perils coverage starts with a list of covered causes of loss, while open-perils coverage generally starts from broader coverage and then removes excluded…
Keep readingTravelers Home Insurance Research
Travelers homeowners insurance combines dwelling, personal property, liability, loss-of-use and other-structures coverage, with optional endorsements that can materially change valuation, water-backup and valuable-items…
Keep readingNationwide Home Insurance Research
Nationwide homeowners insurance uses the familiar structure of dwelling, other structures, personal property, loss of use and liability coverage, with optional features that…
Keep readingTheft and Vandalism Home Insurance Claims
Theft and vandalism claims are evidence-heavy. Coverage can depend on the policy’s covered-peril language, occupancy status, special limits, deductible and proof that the…
Keep readingRoof Damage Home Insurance Claim Checklist
A roof claim depends on more than visible shingles. The cause of damage, storm date, roof age, deductible, settlement method, maintenance history and…
Keep readingLoss of Use and Additional Living Expenses Explained
Loss-of-use coverage can help with the extra cost of living elsewhere when a covered loss makes a home uninhabitable. It is not a…
Keep readingPersonal Property Coverage and Special Limits
Personal property coverage protects belongings, but the headline contents limit is not the only number to read. Valuation rules, covered-peril language and special…
Keep readingDwelling Coverage Explained
Dwelling coverage is the part of a homeowners policy designed to repair or rebuild the house itself after a covered loss. The number…
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