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Basics
Why buy homeowner’s insurance?
Why buy renter’s insurance?
What is the connection between risk and the insurance company?
What kinds of risks does homeowner's/renter’s insurance protect you against?
What is the difference between a dwelling policy and a homeowner’s policy?
Who is covered by my policy?
What is the relationship between title insurance and homeowner’s insurance?
Types Of Coverages Available
What does property damage cover?
Additional property coverage
What does personal property (contents) damage cover?
Does the personal property coverage include my dog rover or my parakeet tweety?
My coin collection, Jewelry, Furs, Guns, Monet painting and other expensive stuff… aren’t they covered under my regular home policy?
Some of my personal items were stolen from my hotel room. Would they be covered under my policy?
Why would I want personal liability coverage? What does it cover?
Are intentional injuries covered by my personal liability coverage?
I can’t live in my home because of a fire. Will my policy cover the cost of room and board at a hotel or motel?
What do medical payments cover?
What options or "riders" are available?
What is a personal "umbrella" insurance policy?
My credit cards were stolen while I was on vacation. Does my policy cover any unauthorized purchases?
Does my coverage protect me from claims when I am on vacation?
The food in my freezer and refrigerator spoiled because the electric power into my home was cut. Does a home policy cover this mishap?
A tree fell on my roof during a major storm. Am I covered? Is the tree’s removal covered?
During a recent storm, My neighbor’s tree fell and destroyed my fence. Whose home policy pays for the damage?
We own a camp used primarily during the summer. Can it be covered under our home policy?
My laptop and luggage came up missing on a recent airline flight. The airline will reimburse the lost luggage but not the laptop. Will my home policy cover?
Are the personal belongings that we take when traveling covered?
Our pipes froze and burst while we were vacationing. Am I covered?
Several items that I used for my business were stolen from my home. Why did my insurance company only pay part of my claim for my loss?
How Much Coverage To Buy
How much dwelling coverage is needed?
How much financial liability coverage is reasonable?
My lender is requiring insurance. How much do I have to carry?
No company will insure my home and my lender requires it. Will the bank purchase coverage? Will it cost me more?
Policy requirements - how much insurance am I required to have?
How much insurance is enough?
How do I know if I have enough insurance on my personal property?
My daughter is away at college and no longer a dependent. Should I buy a separate policy to protect her personal possessions?
Will my property have to be inspected?
Do I need to give personal information to get insurance?
Will my home policy cover the costs of bringing my home “up to code”?
Replacement Cost Or Actual Cash Value
How much is my home worth?
How much are my possessions worth?
How do I decide which suits my needs?
Types Of Insurance Packages
Why shop? Aren’t all standard policies alike?
What is a peril and why is it important?
What are the types of standard packaged insurance policies?
What can I do about the earthquake and flood exclusions?
Pricing Policies
What things do companies usually look at to determine the price (premium)?
What are some of the ways I can cut the cost on my home insurance?
What are some of the insurance company factors that affect the price of insurance?
The Insurance Company
I am comparison-shopping the various insurers. What questions should I ask before selecting a home insurer?
You mentioned rating services. How do I go about checking up on a company’s financial strength?
Can my insurance company stop coverage? Must it give the reason in writing?
When does coverage begin?
Can the company cancel because I have filed a claim?
Can I cancel my own policy at any time?
Is there a grace period for payment of premiums?
Does the insurer protect my interests in the event of a lawsuit?
Who regulates the insurance industry?
What happens when my insurance company becomes insolvent and is liquidated?
What if I decide to switch companies?
Can a company cancel my policy if my house is vacant?
I’m up for renewal. My company won’t renew if I don’t fix my leaky roof. Can they drop me?
What is the practice called “redlining”?
Claim Settlement
What should I do if there is a loss?
How do I price my claim?
Does my policy pay me the “limit”?
What if I do not like the settlement offered by the company?
I forgot to list my great-grandfather’s clock on my claim form and the company wants me to settle. Should I accept their final check?
Is there a time frame that a company has within which to complete an investigation and settle a claim?
How willthe company pay me?
Does my lender have any say regarding settlement checks for home repairs?
My home was recently broken into and I do not have sales receipts for the stolen items. What will the insurance company accept for proof of ownership?
My home was partially damaged by fire and I want to make some temporary repairs, Such as boarding up blown windows. Do I have to get the insurer’s permission to begin?
Can I make permanent repairs before the insurance company inspects the damage?
What information should I give to the company representative?
Do I need to be at my home during an inspection by an adjuster?
What if I disagree with an adjuster’s estimate of my loss?
My contractor found hidden damage. Now the repairs will cost a lot more than the company representative originally estimated. Who bears the extra cost?
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The Basic Coverage Types In Homeowners’ Insurance Packages
How Homeowners’ Insurance Policies Differ
Buying Homeowners’ Insurance: Using An Agent Vs. Buying Direct
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