FAQs

Loss of use, also called additional living expense, is the part of a renters policy that addresses the extra cost of living elsewhere after a covered loss: a hotel ...

Often yes, subject to your policy’s terms and limits. We can explain how off-premises coverage typically works.

Usually yes. A roommate’s policy typically does not cover your belongings or your liability, so your own policy is often the safer choice.

No. Both are excluded from a standard renters policy. Earthquake coverage for a renter focuses on your personal property and, importantly, loss of use if the building becomes uninhabitable, ...

No. Both are excluded and covered separately. We can help you add them.

Typically no. The master policy covers the building, not your personal property or interior upgrades, which is what your HO6 is for.

If your HOA assesses unit owners for a covered loss or liability that exceeds the master policy, loss assessment coverage may help pay your share.

Enough to rebuild the home, which is a different figure from its market value and usually from the purchase price. Market value reflects land, location, and what a buyer ...

A walls-in master policy covers original interior fixtures, so your HO6 covers less. A bare-walls policy stops at the unfinished structure, so your HO6 needs to cover more of ...

No. The FAIR Plan is a separate insurer of last resort. We help clients obtain FAIR Plan coverage and pair it with a DIC policy, but we represent you, not ...