Coverage

Browse our articles about coverage

July 16, 2026

Insuring a Salvage or Rebuilt Title Vehicle

A rebuilt title car can usually be insured for liability. Physical damage coverage is a different question, and so is what the car is worth at claim time.

Stacking Uninsured Motorist Coverage: What It Means

Stacking combines UM and UIM limits across vehicles or policies for a single claim. Whether you can do it, and whether you already are, is decided by state law.

Buying a Car: Insurance Before You Drive It Home

Newly acquired vehicle coverage is not automatic and not unlimited. Here is what your existing policy extends to a new car, for how long, and what to arrange first.

Flood-Damaged Cars: Claims, Titles and Buying Used

Water damage to a vehicle is a comprehensive claim, not a flood policy claim. Here is how those claims settle, how flood titles work, and how to check a used car.

Hit and Run: Which of Your Coverages Pays

When the other driver leaves, there is no liability policy to claim against. Here is which of your own coverages responds, and the physical contact rule that decides some claims.

Property Away From Home: Cars, Storage Units and Travel

A laptop stolen from your car is usually a home or renters claim, not an auto one. Here is how off-premises personal property coverage works and where it is reduced.

Insuring an Older or Historic Home: HO-8 and Rebuild Cost

Older homes cost more to rebuild than to buy and raise specific underwriting issues. Here is what an HO-8 form does and when replacement cost is not available.

What Home Underwriters Look For Before They Write a Policy

Eligibility comes before price. Here are the features of a house that can lead an insurer to decline, restrict or require repairs, and what usually resolves them.

Insuring a Second Home or Vacation Property

A secondary residence is underwritten differently from a primary one, mostly because nobody is there. Here is what changes and how rental use complicates it further.

Coinsurance and Insurance to Value: The 80 Percent Rule

Underinsuring a home can reduce what you collect on a partial loss, not just a total one. Here is how a coinsurance clause works and why replacement cost provisions depend on it.

Sinkholes, Landslides and the Earth Movement Exclusion

Standard home policies exclude earth movement, which covers far more than earthquakes. Here is what falls inside the exclusion and how Florida treats sinkholes differently.

Mold: What a Home Policy Covers and What It Caps

Mold coverage is usually excluded and then partly bought back with a low sublimit. Here is how causation decides a mold claim and what the limited fungi endorsement does.

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.

Sublimits: 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.

Home 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.

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.