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How to Compare Homeowners Insurance Policies
Owning a home is one of the largest financial investments most people make. Homeowners insurance helps protect that investment against a wide range of...
Life Insurance
Renters Insurance
Most Renters Have No Coverage. The Ones Who Do Are Focused...
A Chicago renter paid $22,000 out of pocket after a guest slipped and fell at her apartment. Her renters insurance would have cost $14 a month. The part most renters miss isn't the laptop coverage. It's the liability.
A storm flooded her ground-floor apartment and ruined $9,000 of belongings....
A standard renters policy covers your belongings only against a specific list of named perils. Losses from any cause not on that list, like flood, are denied.
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Sergio Arce Bought a $25,000 Policy and Died 13 Days Later. Texas Still Made...
Most states only require an insurer to show a misstatement was material to rescind a life policy within the two-year window. A 2023 Texas Supreme Court case shows one state where materiality alone has never been enough.
Her Standard Insurer Non-Renewed After 14 Years. The Replacement Policy Has No Liability Coverage...
A FAIR Plan policy is not a homeowners policy with a different name. It pays for a narrower list of perils, sold by a different kind of insurer, and the liability protection most homeowners assume is there has to be bought separately.
Owen’s Sub Skipped the Flashing Tape. The $146,000 Denial Never Cited an Exclusion.
Brokers prepare contractors to fight the faulty workmanship exclusion. In a real Indiana case, the carrier won at two courts without ever citing it, because both agreed there was no accident to begin with.
What Does Workers’ Compensation Insurance Cover? A Complete Guide for Employers
Workers’ compensation insurance is one of the most important protections a business can carry. It provides medical and financial support to employees who suffer...
Your Homeowners Policy Stops Covering an Empty House After 30 Days.
A daughter settling her late father's estate left his house empty for four months. A burst pipe caused $42,000 in damage, and the vacancy clause voided the entire claim.
































