Coverage

Browse our articles about coverage

May 13, 2026

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.

Insuring a Student Away at College

A student who moves to campus stays on the family policies in some ways and not others. Here is what changes for belongings, liability and the car.

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.

Escrow, Lender Requirements and Force-Placed Insurance

How your insurance gets paid through a mortgage escrow account, what your servicer must do before buying coverage for you, and how to undo it if they have.

Buying Your First Home: The Insurance Timeline

Insurance has to be in place before closing, and the decisions that shape it start earlier than most buyers expect. Here is the sequence, step by step.

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.

Motorcycle Insurance: Where It Differs From a Car Policy

A motorcycle policy uses the same coverage names as an auto policy and behaves differently in several places, starting with passengers and custom equipment.

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.

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.

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.