55 articles
Articles tagged "insurance basics", page 2 of 5.
car insuranceInsurance 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.
car insuranceTheft 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.
health insuranceFor children the answer is generally yes. For adults it varies enormously by state, and whether the extraction is medically necessary decides most cases.
home insuranceInfestations are excluded from every standard renters policy as a maintenance issue. Who is actually responsible, what the lease says, and what you can do.
home insuranceLoss 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.
home insuranceRenters liability pays when someone else is hurt in your home or by your actions. Your own injuries are your health insurance, and the naming confuses everyone.
home insuranceTheft 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.
travel insuranceThe 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.
travel insuranceA 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.
home insuranceDwelling 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.
home insuranceNew 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.
car insuranceCoverage 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.