Claims

Browse our articles about claims

March 23, 2026

Short-Term Rentals and Your Home Insurance Policy

Renting your home to paying guests is generally a business use. Here is how the exclusion works, what endorsements exist, and why platform coverage is not enough.

Vacant and Unoccupied Homes: Where Coverage Stops

Most home policies limit or suspend coverage once a property has been empty for a set period. Here is how vacancy clauses work and how to keep coverage.

Home 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.

Scheduling Valuables: Floaters for Jewelry, Art and More

Standard policies cap certain categories far below your overall limit. Scheduling raises the limit and, more usefully, broadens what counts as a loss.

Mobile 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.

Landlord 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.

Safety Technology, Repair Costs and Your Auto Rate

Driver assistance systems reduce how often crashes happen while raising what each one costs to repair. Here is how that tension shows up in your policy.

What 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.

Gap 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.

Comprehensive 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.

When Your Car Is Totaled: Total Loss Settlements Explained

How insurers decide a vehicle is a total loss, how actual cash value gets determined, what salvage and gap mean, and how to challenge a valuation.

Insurance 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.

Water Damage: What a Home Policy Covers and What It Excludes

Whether water damage is covered usually turns on one question: was it sudden and accidental, or gradual? Here is where each common scenario falls.

Condo 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.

Renters Insurance: What an HO-4 Policy Actually Covers

Your landlord insures the building, not your belongings or your liability. Here is what a renters policy covers, including away from home.

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.