Claims
Browse our articles about claims
Building a Home Inventory Before You Need to File a Claim
After a loss, proving what you owned is your job. A home inventory is the practical way to do it, and it takes an afternoon to create.
Read MoreChecking an Insurer: Complaint Indexes and Ratings
Before buying a policy you can check an insurer's licensing, complaint record and financial condition for free. Here is where to look and how to read it.
Read MoreClassic Car Insurance and How Agreed Value Works
A standard auto policy pays depreciated value, which is the wrong answer for a car that appreciates. Here is how agreed value coverage differs.
Read MoreComprehensive Claims: Theft, Hail, Glass and Animal Strikes
What comprehensive coverage responds to, how each of the common claim types actually works, and where the line falls between comprehensive and collision.
Read MoreCondo Insurance: How an HO-6 Fits With the Master Policy
Condo coverage is split between the association's master policy and your own HO-6. Where the line falls depends on bylaws most owners never read.
Read MoreFiling a Home Insurance Claim: What to Expect Step by Step
The sequence a property claim follows, your duty to prevent further damage, how payment arrives in stages, and what to do when you disagree.
Read MoreGap Insurance: When You Owe More Than the Car Is Worth
How negative equity arises, where gap coverage is sold and how those products differ, and the refund most people forget to claim when a loan ends early.
Read MoreHome Liability: Pools, Dogs, Trampolines and Guests
Liability is the part of a home policy people think about least and need most. Here is how it works and which features raise the exposure.
Read MoreHome Warranty vs Home Insurance: What Each One Covers
They sound similar and do opposite jobs. Insurance responds to sudden accidental loss; a warranty is a service contract for mechanical breakdown.
Read MoreHow Much Dwelling Coverage Do You Actually Need?
Coverage A should reflect what it costs to rebuild your home, not what it would sell for. Here is why those differ and how the limit drifts over time.
Read MoreInsurance Fraud Awareness: Staged Crashes and Storm Chasers
How common insurance fraud schemes work on both the auto and property side, the documented warning signs, and where to verify and report.
Read MoreWhat Changes When You Insure an Electric or Hybrid Car
Electric vehicles are insured under the same coverages as any other car, but the battery, the repair network and claim severity all behave differently.
Read MoreLandlord Insurance: Dwelling Fire Forms and Loss of Rents
A homeowners policy is written for owner-occupants. Renting a property out generally needs a dwelling fire form, and the differences are substantial.
Read MoreMobile and Manufactured Home Insurance Explained
Manufactured home coverage varies more than site-built housing, starting with valuation and wind. Here is what to check before you rely on a policy.
Read MoreNo-Fault vs At-Fault States: How PIP Changes a Claim
The four systems states use for auto injury claims, what a tort threshold is, and how living in a no-fault state changes who pays your medical bills.
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.