Claims

Browse our articles about claims

June 9, 2026

Solar 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.

Home 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.

Water 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.

Who 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.

Modified 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.

New 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.

Driving 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.

ATVs, 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.

Boat 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.

RV and Travel Trailer Insurance: Where It Differs From a Car

Motorhomes, travel trailers and fifth wheels are insured differently from cars, and differently from each other. Here is what changes and what coverages are specific to RVs.

When a Personal Auto Policy Is Not Enough for Business Use

Personal auto policies exclude some business use of a vehicle. Here is where the line falls, what commercial auto covers, and how to tell which side you are on.

Rental Reimbursement: A Car to Drive While Yours Is Repaired

Rental reimbursement pays for a rental while a covered repair is under way, up to a daily rate and a cap. Here is when it starts, when it stops and what it will not do.

Roadside Assistance and Towing: What the Coverage Includes

Roadside assistance on an auto policy pays for a tow, a jump start or a lockout, but only up to set limits. Here is what it covers and how it differs from a motor club.

When You Disagree With the Adjuster: Your Options

Disputes about the amount of a loss and disputes about whether it is covered follow different paths. Here is the escalation ladder, in order.

CLUE Reports: The Claims History Insurers See

Insurers check a shared claims database before quoting you. You have a federal right to see the same file, once a year, at no charge. Here is how.

This 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.