Water Damage: What’s Covered and What’s Not?
Some sudden and accidental water damage may be covered, but flood, seepage, repeated leaks, and maintenance-related issues are often excluded.
Personal Insurance
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Personal Insurance
Understanding Wind and Hail Deductibles
Wind and hail deductibles may be separate from standard deductibles and may be a percentage of the insured property value.
Personal Insurance
How Claims Affect Home Insurance Rates
Claims history may affect future premiums, underwriting eligibility, and available carrier options.
Personal Insurance
Why Insurance Companies Care About Roof Age
Roof age and condition can affect insurance pricing, eligibility, deductibles, inspections, and claim outcomes.
Insurance Education
Replacement Cost vs. Actual Cash Value
Replacement cost usually pays to replace property with new property of similar kind and quality, while actual cash value subtracts depreciation.
Personal Insurance
What Is Not Covered by Homeowners Insurance?
Homeowners insurance does not cover every loss, and exclusions such as flood, earth movement, wear and tear, and maintenance issues may apply.
Personal Insurance
What Does Homeowners Insurance Cover?
A homeowners policy commonly includes dwelling, other structures, personal property, liability, medical payments, and additional living expense coverage.
Personal Insurance
Homeowners Insurance Explained
Homeowners insurance helps protect your home, belongings, liability exposure, and temporary living expenses after covered losses.
Personal Insurance
How Adding a Teen Driver Affects Insurance
Teen drivers often increase premiums because new drivers present higher risk, but discounts and safe driving habits may help manage cost.
Personal Insurance
What Is Gap Insurance?
Gap insurance may help cover the difference between a vehicle’s value and the remaining loan balance after a covered total loss.