Claims
Browse our articles about claims
Renters Insurance: What an HO-4 Policy Actually Covers
Your landlord insures the building, not your belongings or your liability. Here is what a renters policy covers, including away from home.
Read MoreRideshare and Delivery Driving: The Personal Policy Gap
Personal auto policies commonly exclude business use. Here is where platform coverage starts and stops, and which period leaves drivers most exposed.
Read MoreScheduling Valuables: Floaters for Jewelry, Art and More
Standard policies cap certain categories far below your overall limit. Scheduling raises the limit and, more usefully, broadens what counts as a loss.
Read MoreShort-Term Rentals and Your Home Insurance Policy
Renting your home to paying guests is generally a business use. Here is how the exclusion works, what endorsements exist, and why platform coverage is not enough.
Read MoreVacant and Unoccupied Homes: Where Coverage Stops
Most home policies limit or suspend coverage once a property has been empty for a set period. Here is how vacancy clauses work and how to keep coverage.
Read MoreSafety Technology, Repair Costs and Your Auto Rate
Driver assistance systems reduce how often crashes happen while raising what each one costs to repair. Here is how that tension shows up in your policy.
Read MoreWater Damage: What a Home Policy Covers and What It Excludes
Whether water damage is covered usually turns on one question: was it sudden and accidental, or gradual? Here is where each common scenario falls.
Read MoreWhat to Do After a Car Accident: The Claim Step by Step
What to do at the scene, how an auto claim actually proceeds, and the decisions that affect how quickly your car gets repaired and who pays.
Read MoreWhen Your Car Is Totaled: Total Loss Settlements Explained
How insurers decide a vehicle is a total loss, how actual cash value gets determined, what salvage and gap mean, and how to challenge a valuation.
Read MoreWildfire Risk, Defensible Space and State FAIR Plans
Fire is covered by a standard home policy. The harder questions are availability and rating, what mitigation actually changes, and what a FAIR plan is.
Read MoreWill Filing a Claim Raise My Insurance Rate?
Sometimes, and it depends on more than whether you were at fault. Here is what actually drives the answer on both auto and home policies.
Read MoreActual Cash Value vs Replacement Cost: What Gets Paid
How depreciation changes a claim payment, why replacement cost claims often arrive as two checks, and where roofs are treated differently.
Read MoreFlood Insurance and the NFIP: What Home Policies Exclude
Flood is excluded from standard homeowners policies. Here is how separate flood coverage works, what the NFIP caps, and the waiting period that catches people out.
Read MoreHow Car Insurance Deductibles Work and When They Apply
What a deductible is, which coverages carry one, how it comes out of a claim payment, and what to weigh when choosing an amount.
Read MoreHurricane, Wind and Hail Deductibles: How They Work
Why storm damage can carry a separate percentage deductible, what event triggers it, and how to find yours on the declarations page.
Read MoreThis content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.