Articles & Advice
Plain-English guides to auto, home, health and life insurance: what coverages do, how deductibles and limits work, which discounts exist, and how insurers set your rate.
Coverage B: Sheds, Fences and Detached Garages
Other structures coverage is usually a percentage of the dwelling limit, and it is easy to outgrow. Here is what counts as a separate structure and what falls outside it.
Read MoreSublimits: Where Your Personal Property Coverage Runs Out
Coverage C has a headline limit and a set of much smaller caps hidden inside it. Here are the categories that are capped and what to do about the ones that matter to you.
Read MoreHome Inspections Insurers Ask For: 4-Point and Wind Mitigation
A four point inspection decides whether an insurer will write the policy. A wind mitigation inspection affects what you pay. Here is what each one looks at.
Read MoreWhen a Tree Falls: Whose Insurance Pays for What
A neighbour's tree on your roof is usually your claim, not theirs. Here is how home policies handle fallen trees, removal costs, and damage to the landscaping itself.
Read MoreSolar Panels, Batteries and EV Chargers on a Home Policy
Rooftop solar, home batteries and EV chargers change what your dwelling limit needs to be. Here is how ownership, leases and power purchase agreements affect coverage.
Read MoreHome Policy Endorsements Worth Knowing About
Service line, equipment breakdown, water backup and identity theft endorsements fill specific holes in a standard home policy. Here is what each one does.
Read MoreWater Backup and Sump Pump Failure: The Endorsement You Add
A standard home policy excludes sewer backup and sump pump failure. Here is what the water backup endorsement adds, how its sublimit works, and where it stops.
Read MoreWho Pays the Medical Bills After a Car Accident?
PIP, MedPay, health insurance and the at-fault driver's liability coverage all touch the same bills. Here is the order they usually pay in and why it varies by state.
Read MoreWindshield and Glass Coverage: Repairs, Deductibles and ADAS
Glass claims sit under comprehensive coverage, three states waive the deductible, and modern windshields often need sensor recalibration. Here is how it works.
Read MoreModified Cars: Custom Parts and Equipment Coverage
Auto policies usually cover a vehicle as it left the factory, with a small allowance for additions. Here is how custom parts and equipment coverage fills that gap.
Read MoreNew Car Replacement Coverage and How It Differs From Gap
New car replacement pays for a new vehicle rather than a depreciated one after a total loss. Here is how it works, who qualifies, and why it is not the same as gap coverage.
Read MoreStoring a Car: Suspending Coverage Without Creating a Lapse
Cancelling insurance on a car you are not driving is usually the wrong move. Here is how storage or comprehensive-only coverage works and what a lapse costs you later.
Read MoreDriving in Canada and Mexico: What Your Policy Does Abroad
A US auto policy generally follows you into Canada. Mexico does not recognize it, and a Mexican liability policy is required. Here is what to arrange before you cross.
Read MoreATVs, UTVs, Golf Carts and Snowmobiles: Who Covers Them
Off-road vehicles fall in a gap between auto and home policies, and where they sit depends on where you ride. Here is how coverage is usually arranged.
Read MoreBoat and Watercraft Insurance: What a Home Policy Will Not Do
Homeowners policies cover only small boats, and only barely. Here is how watercraft coverage is structured, what navigational limits mean, and what a lay-up period is.
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.