Claims

Browse our articles about claims

February 9, 2026

Wildfire Risk, Defensible Space and State FAIR Plans

Fire is covered by a standard home policy. The harder questions are availability and rating, what mitigation actually changes, and what a FAIR plan is.

Filing 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.

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.

How 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.

Rideshare and Delivery Driving: The Personal Policy Gap

Personal auto policies commonly exclude business use. Here is where platform coverage starts and stops, and which period leaves drivers most exposed.

No-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.

What to Do After a Car Accident: The Claim Step by Step

What to do at the scene, how an auto claim actually proceeds, and the decisions that affect how quickly your car gets repaired and who pays.

Actual Cash Value vs Replacement Cost: What Gets Paid

How depreciation changes a claim payment, why replacement cost claims often arrive as two checks, and where roofs are treated differently.

Flood Insurance and the NFIP: What Home Policies Exclude

Flood is excluded from standard homeowners policies. Here is how separate flood coverage works, what the NFIP caps, and the waiting period that catches people out.

Hurricane, Wind and Hail Deductibles: How They Work

Why storm damage can carry a separate percentage deductible, what event triggers it, and how to find yours on the declarations page.

Rental Cars and Borrowed Cars: Whose Insurance Pays?

How coverage follows the car rather than the driver, what a rental counter's waiver actually does, and the fees a personal policy often will not pay.

Uninsured and Underinsured Motorist Coverage Explained

What UM and UIM pay for when the at-fault driver has no insurance or not enough, and why the rules differ sharply from state to state.

How Car Insurance Deductibles Work and When They Apply

What a deductible is, which coverages carry one, how it comes out of a claim payment, and what to weigh when choosing an amount.

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.