FAQs

There are a few things that help. The most useful is a comprehensive review of your policy and needs with your agent, because quotes for the same coverage on ...

The typical homeowners policy has two main sections: Section I covers the property of the insured, and Section II provides personal liability coverage for the insured. Almost anyone who ...

Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When “actual cash value” is used, the ...

Here’s a checklist of things you should consider when you purchase homeowners insurance: Determine the amount and type of insurance that you need. The coverage limit of your house ...

Note: what follows describes the Insurance Services Office HO-3 form. Most carriers write their own version of a homeowners policy, so treat this as how the pieces relate rather ...

Personal property (except property that is specifically excluded) is covered anywhere in the world. For example, suppose that while traveling, you purchased a dresser and you want to ship ...

The standard insurance policy does not pay for direct damages caused by earth movement. “Earth movement” is a much broader term than “earthquake”. It includes earthquakes, volcanic activity, and ...

Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation ...

Collision Physical Damage Coverage is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking ...

A number of factors can affect the cost of your automobile insurance, some of which you can control and some that you can’t. The type of car you drive, ...