Standard homeowners insurance usually excludes earthquake damage, so the only way to insure against major shaking is a separate earthquake policy. These policies work differently: percentage deductibles, coverage parts you must choose, and eligibility rules that can pause new sales […]
Standard homeowners insurance and flood insurance protect against very different risks. A homeowners policy typically covers fire, wind, theft, liability, and loss of use, but it excludes flood (rising water from outside your home). Flood coverage is a separate policy,
Endorsements (also called riders) are modular add-ons to a standard homeowners policy that plug the biggest gaps: paying today’s prices rather than depreciated values, covering sewer/sump backups, paying for building-code upgrades after a loss, or protecting underground utility lines you’re
A standard homeowners policy is built around six core parts labeled A through F. These labels aren’t marketing fluff — they’re the map to what your contract actually pays for: your house itself (A), the detached things around it (B),
“Gap” coverage exists for one moment that can be financially brutal: when your car is totaled or stolen and the insurer pays actual cash value (ACV) that’s lower than your loan or lease payoff. The gap policy (or waiver) covers
If a court or your state DMV says you need an “SR-22,” it’s natural to think you’re buying a special insurance policy. You’re not. An SR-22 is a certificate of financial responsibility that your insurer files with the state to
When a crash or covered loss happens, the difference between a smooth payout and weeks of frustration is knowing exactly what to do and when. Filing a claim is a sequence: make the scene safe, document what happened, notify the
“Liability” and “full coverage” are two phrases you’ll see on every auto-quote page, but they describe very different things. Liability insurance is the foundation most states require; it pays for injuries and property damage you cause to others. It does
A car insurance deductible is the amount you agree to pay out of pocket on a covered claim before your insurer pays the rest. It most often applies to collision (you hit a car/object) and comprehensive (theft, weather, vandalism, animal)
Homeowners insurance protects your house, the belongings you own, your additional living costs if you’re displaced, and your liability if someone is injured or their property is damaged on or off your premises. Most U.S. homeowners carry an HO-3 policy:
Health insurance does two essential jobs: it negotiates prices for you up front (lower “allowed amounts”) and caps your annual risk through an out-of-pocket maximum. You pay a premium to stay covered, then share costs for care through a deductible,
