All Articles
Insurance guides page 11 of 21. Expert-written insurance guides, comparisons, tips and calculators.
Theft is covered wherever it happens and forced entry is usually not required. The category sublimits are where claims disappoint, and cash is capped at almost nothing.
The airline owes you a refund or a rebooking. Travel insurance covers the hotel you cannot reach, the tour you miss and the night in an airport city, and only for listed reasons.
A hurricane becomes a foreseeable event the moment it is named, and policies bought after that point exclude it. Timing decides this question more than wording does.
Dwelling fire policies cover the building without the homeowners package around it. The three forms, what each leaves out, and why landlords and vacant homes end up here.
Florida makes you carry PIP and property damage and asks for no bodily injury liability at all. That single gap explains most of what goes wrong in a Florida claim.
A clean record is the largest discount in car insurance and it is not one discount. It is five separate mechanisms, and most drivers are only receiving two of them.
The honest answer is that the purchase price is close to irrelevant. What decides the premium is the rebuild cost, the roof, the state and the deductible structure.
Most policies now carry two or three deductibles, and the percentage one is the one nobody has read. How they work, what raising them actually saves, and where the line sits.
A house in Savannah and a house in Marietta are priced by completely different risks. Coastal wind deductibles, north Georgia hail, and the lightning exposure nobody mentions.
New Jersey premiums are moderate for the Northeast and the coverage gap is severe. Most of the state's flood exposure sits outside the mapped high-risk zones, where nobody is required to buy.
Ohio is one of the more affordable states to insure a house in. The claims that actually cost Ohio homeowners money are hail and sewer backup, and one of those is excluded by default.
Coverage can start the same day and frequently within the hour. What actually causes delay is missing information, an unusual risk, or a verification step nobody warned you about.
