141 articles
Page 4 of 12 of our guides about coverage limits: plain-English explainers, worked examples and tips for comparing insurance coverage.
A caterer works in other people's buildings, serves food to strangers and frequently pours alcohol. Each of those is a separate policy and the third is the one that ends businesses.
If an uninsured driver hits you, a collision deductible waiver removes your deductible entirely. It costs a few dollars a year and most drivers have never been offered it.
Comprehensive answers hail, theft, deer, flood and glass, which are the claims most drivers actually make. Raising its deductible saves the least and costs the most.
Connecticut offers an underinsured motorist option that most drivers have never heard of and that changes what a serious claim actually pays. Here is how it works.
Most people weigh renters insurance against what their belongings are worth. That is the wrong calculation, and it is why the honest answer is almost always yes.
Some plans run drugs through the medical deductible, some use a separate drug deductible, and some charge copays that never touch it. All three are common.
Insurance pays for damage from a sudden accidental event. It never pays for a worn clutch, a failed alternator or a service. The line between the two decides every claim.
Theft is a comprehensive claim, it settles at the car's value rather than what you owe, and the belongings inside it are somebody else's policy entirely.
For children the answer is generally yes. For adults it varies enormously by state, and whether the extraction is medically necessary decides most cases.
A smashed window is your auto policy. The laptop that was on the seat is your renters policy. One break-in, two claims, two deductibles, and often neither is worth filing.
Infestations are excluded from every standard renters policy as a maintenance issue. Who is actually responsible, what the lease says, and what you can do.
Loss of use pays the additional cost of living elsewhere after a covered loss. What counts, what does not, and the parts tenants routinely forget to claim.
