Insurance Answers
Know What You Are Covered For
Plain-English answers to the insurance questions people actually search for. No jargon. No sales pitch. Just the facts about what your policy does and does not cover.
Does Renters Insurance Cover Fire Damage?
If a fire destroys your belongings, will your renters insurance actually pay? The short answer is yes - but the details determine how much you get.
Read article →Homeowners InsuranceDoes Homeowners Insurance Cover Water Damage?
Water is the most confusing thing in your whole policy. A burst pipe? Usually covered. A flood? Usually not. The difference is worth knowing before it costs you.
Read article →Auto InsuranceDoes Car Insurance Cover Hitting a Deer?
A deer in the road totals thousands of cars every fall. Whether your insurance pays comes down to one word on your policy most people skip right past.
Read article →Homeowners InsuranceDoes Homeowners Insurance Cover Roof Leaks?
A leaking roof can be a covered claim or a flat denial, and the deciding factor is the cause, not the leak. Insurers draw a hard line.
Read article →Homeowners InsuranceWhat Does Homeowners Insurance Not Cover?
People assume their home policy covers everything. It does not. Here are the big gaps that blindside homeowners, and how to find yours before it is too late.
Read article →Auto InsuranceDoes Car Insurance Cover a Rental Car?
Before you pay for the rental counter's coverage, it is worth knowing what your own auto policy already does. For many drivers, you are more covered than you think.
Read article →Homeowners InsuranceDoes Homeowners Insurance Cover Mold?
Mold is one of the most fought-over words in a home policy. Whether you are covered comes down to what caused it, and there is often a hard dollar cap.
Read article →Renters InsuranceDoes Renters Insurance Cover Theft?
If someone breaks in and takes your things, renters insurance usually pays, even when it is stolen away from home. But two details decide how much you get back.
Read article →Insurance BasicsWhat Is an Insurance Deductible and How Does It Work?
The deductible is the most important number in your policy and the one people understand the least. Let us fix that, in plain English.
Read article →Homeowners InsuranceDoes Homeowners Insurance Cover Wind and Hail Damage?
Wind and hail are usually covered, but a special deductible and a few exclusions can mean you pay far more out of pocket than you expect.
Read article →Homeowners InsuranceDoes Homeowners Insurance Cover Dog Bites?
If your dog bites someone, your homeowners policy is usually what pays, through liability coverage. But breed exclusions and low limits can leave you exposed.
Read article →Auto InsuranceDoes Car Insurance Cover Theft?
If your car is stolen, only one type of coverage pays, and a lot of drivers skip it. Here is what determines whether you are protected.
Read article →Homeowners InsuranceDoes Homeowners Insurance Cover Fallen Trees?
When a tree comes down, whether insurance pays depends on what it hit and why it fell. The rules surprise almost everyone.
Read article →Insurance BasicsWhat Is Liability Coverage and How Much Do You Need?
Liability coverage is the part of your policy that protects everything you own. Most people carry far less than they should and never realize it.
Read article →Homeowners InsuranceDoes Homeowners Insurance Cover Sewer Backup?
Sewer and drain backups are messy, expensive, and usually NOT covered by a standard policy unless you added a specific endorsement. That gap catches thousands of people.
Read article →Homeowners InsuranceDo I Need Flood Insurance?
Your homeowners policy does not cover floods, and "low-risk" zones flood every year. So how do you tell whether you need a separate flood policy?
Read article →Insurance BasicsWhat Is Umbrella Insurance and Do You Need It?
An umbrella policy adds a big extra layer of liability protection for a surprisingly small cost. Here is who actually needs one and why.
Read article →Renters InsuranceDoes Renters Insurance Cover Water Damage?
A burst pipe upstairs can ruin everything you own. Whether renters insurance pays depends on where the water came from.
Read article →Homeowners InsuranceWhat Does Condo Insurance Cover?
Condo insurance fills the gap between your unit and the building's master policy. The "walls-in" line is where owners get caught.
Read article →Auto InsuranceWhat Is Gap Insurance and Do You Need It?
If you total a financed car, your insurance pays what it is worth, not what you owe. Gap insurance covers the difference, and it can be thousands.
Read article →Stop guessing. Know what you own.
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