Do I need earthquake coverage? How can I get it?
The standard insurance policy does not pay for direct damages [...]
Where and when is my personal property covered?
Personal property (except property that is specifically excluded) is covered [...]
What are the policy limits (i.e., coverage limits) in the standard homeowners policy?
Note: this answer is based on the Insurance Services Office’s [...]
What factors should I consider when purchasing homeowners insurance?
There are a number of factors you should consider when [...]
What is the difference between “actual cash value” and “replacement cost”?
Covered losses under a homeowners policy can be paid on [...]
What does homeowners insurance cover?
The typical homeowners policy has two main sections: Section I [...]
What are some practical things I can do to lower the cost of my homeowners insurance?
There are a number of things you can do to [...]