Claims

Browse our articles about claims

May 4, 2026

Renovating a Home: Coverage During and After the Work

A renovation changes three things at once: your rebuild cost, your liability exposure, and who is on the property. Here is what to handle before work starts.

Running a Business From Home: Where the Policy Stops

A homeowners policy covers a residence, not a business. Here is the business property sublimit, the liability gap, and the three ways people close them.

Frozen Pipes and Ice Dams: Winter Property Claims

Freeze claims are generally covered, with a condition attached: you have to have taken reasonable steps to prevent them. Here is what that means in practice.

Loss of Use: What Additional Living Expense Pays For

When a covered loss makes your home unlivable, Coverage D pays the extra cost of living elsewhere. Here is what counts as extra, and what limits the clock.

Ordinance or Law Coverage: Rebuilding to Current Code

Your policy rebuilds what you had. The building department requires what the code says now. Ordinance or law coverage is what pays for the difference.

Roof Age, Roof Claims and Payment Schedules

The roof is the part of a home policy most likely to be settled differently from everything else. Here is how age changes what a storm claim pays.

Subrogation: How Your Deductible Comes Back

When someone else caused the loss, your insurer pays first and then pursues them. Here is how that process works and where your deductible sits in it.

Choosing a Repair Shop and the Parts They Use

Who picks the body shop, what a direct repair program is, and how original equipment, aftermarket and used parts get chosen after a collision claim.

Who Is Covered to Drive Your Car?

Coverage generally follows the car, but household members, permissive use and excluded drivers each change the answer. Here is how the rules fit together.

Tickets, Accidents and How Long They Follow Your Rate

Your driving record and your insurance record are two different things with two different clocks. Here is what each one holds and how long it matters.

Diminished Value: The Loss That Survives a Good Repair

A repaired car can be worth less than an identical one that was never hit. Here is what diminished value is, who you claim it from, and why the answer is state law.

Home 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.

Classic 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.

Checking 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.

Will 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.

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.