Consumer Basics
What is homeowners insurance? Article
What is covered by standard homeowners insurance? Article
Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: Coverage for the structure of your home; Coverage for your personal belongings; Liability protection; Coverage for Additional Living Expenses
Are there different types of policies? Article
Insuring a co-op or condo Article
Because co-op and condominium owners share their building structures, two policies—a master policy and an individual policy—are required to fully protect all parties involved. Learn more about insuring a co-op or condo.
Do I need flood insurance for my home? Article
Standard homeowners and renters insurance does not cover flood damage. Find out if you need flood insurance and learn where to get it.
Which disasters are covered by homeowners insurance? Article
Standard homeowners policies cover a wide range of potential disasters, from tornadoes to lightning strikes to winter storm damage. Policies do vary, though, so for your own peace of mind, check yours for the specific perils covered. Learn what's generally covered by each homeowners insurance policy type—and what's not.
Can I own a home without homeowners insurance? Article
Your renters insurance guide Article
If you rent a house or apartment and experience a fire or other disaster, your landlord’s insurance will only cover the costs of repairing the building. To financially protect yourself you will need to buy renters or tenants insurance.
Renters insurance Video
Coverage for renting out your home Article
Before renting out your home, your first step should be to call your insurance agent.
Peer-to-peer home rental Article
If a tree falls on your house, are you covered? Article
Understanding your insurance deductibles Article
Deductibles have been an essential part of the insurance contract for many years. Understanding the role deductibles play when insuring a car or home is an important part of getting the most out of your insurance policy.
Three reasons to take a home inventory Article
How to create a home inventory Article
In the event of a fire or other disaster, would you be able to remember all your possessions? Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses for your income tax return and help you purchase the correct amount of insurance. Here's how to create one.
What's the difference between cancellation and nonrenewal? Article
Insuring a vacation home Article
Like any residence, your vacation home needs to be insured—but because the risks are different, the coverage might cost more than your primary homeowners policy. Before you leap into second-home ownership, consider the factors that will likely affect the price you’ll need to pay for insuring it.
Buying a Policy
How much homeowners insurance do I need? Article
If disaster strikes, you'll want enough homeowners insurance to rebuild the structure of your home, to help replace your belongings, to defray costs if you're unable to live in your home and to protect your financial assets in the event of liability to others. Use these guidelines to help determine the coverage and amounts you need.
Special coverage for jewelry and other valuables Article
How do I pick an insurance company? Article
Where can I buy insurance? Article
How to save money on your homeowners insurance Article
The price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the size of your house and your insurance company. From shopping around to making home improvements, here are some ways to save money while you adequately protect your home and assets.
Five insurance mistakes to avoid... (and still save money) Article
Avoid these pitfalls when buying auto, home, flood and renters insurance.
10 questions to help assess your changing insurance needs Article
Coverage needs change as circumstances in our lives change; an annual insurance review will ensure you have the proper coverage for your needs and budget.
Self-storage facility coverage and tips Article
Self-storage units can be a good way keep clutter out of your home. And having the right insurance coverage is the best way to financially protect your off-premise belongings.
What information do I need to provide to my agent? Article
Credit and insurance scores Article
What if I can't get coverage? Article
How often should I review my policy? Article
Should I purchase an umbrella liability policy? Article
What is a loss history report? Article
Filing a Claim
How to file a homeowners claim Article
Understanding the insurance claims payment process Article
After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here's what you need to know about claims payments.
Filing a homeowners insurance claim: Six steps Video
How is the settlement amount determined? Article
Settling insurance claims after a disaster Article
Infographic: How to file a flood insurance claim Article
Avoiding scams after a disaster Article
What is a public adjuster? Article
Safety and Preparedness Tips
Grilling safety and insurance Article
Millions of Americans safely enjoy outdoor barbecues, but accidents do happen. Ensure trouble-free summer cooking fun by maintaining your grill, using it safely and knowing what to do in case of emergency.
How to protect your home from water damage Article
Water damage is one of the most common and costliest disasters your home can experience, costing billions of dollars annually. Safeguard your most important asset against water damage with the right insurance coverage and the following practical advice.
Lawnmower Safety Article
Lightning coverage and safety Article
Lightning can cause damage to your home and belongings—and can cause bodily harm. It's prudent to take steps to prevent the dangerous effects of lightning and to keep yourself and your family safe. Here are some things you can do.
Making sure your home is properly covered for a disaster Article
For many people, their home is their greatest asset, so it is crucial to avoid being underinsured. To properly insure your home, it is important to ask your insurance professional four key questions.
Getting the Right Insurance Coverage for Moving Article
Whether you’re moving locally or out-of-state, on your own or with a moving company, the right insurance will protect your belongings and give you one less worry. But before you put the first piece of furniture on the truck, do some research—start here.
Pool safety and insurance Article
Whether you plan to install a luxury, in-ground Olympic model or you're just inflating one for the kids, backyard pools and hot tubs have safety and insurance implications. Here's what you need to know.
Protecting your home from mold Article
Mold is destructive to your home and possessions—and the damage it causes generally isn't covered by homeowners insurance. Learn how to defend your home against mold.
Social host liability Article
Whether you're hosting a Super Bowl party for 50 or greeting the New Year with a few friends, if you're planning to serve alcohol at your home take steps to limit your liquor liability and make sure you have the proper insurance.
Bicycle safety and insurance Article
Bicycling is increasingly popular, both as a sport and as a means of transportation. Whether you spent a few hundred or a few thousand dollars on your bike, whether you use it to commute to work or to cycle around the block with your kids, it's important to understand the rules of the bike lane and protect your financial investment with the proper insurance.
Remodeling your home Article
Securing your home against burglary Article
Burglars won't find your home an easy target if it's well lit and features security measures that slow them down. Don't let your home be an easy mark for theft and vandalism. Protect yourself and your belongings—and save on insurance premiums—by employing commonsense safety precautions.
Protect your house from sewer backups Article
Backed up sewers can cause thousands of dollars in damage to floors, electrical systems, walls, furniture and other belongings. Learn about causes of sewer backups, what you as a homeowner are responsible for maintaining and steps you can take to protect your home against sewer problems.
The homeowner's severe cold weather survival guide Article
Much of North America experiences periods of severely cold weather and is susceptible to snow and ice storms—extreme conditions that can inflict considerable damage on homes and create liability risks. Standard homeowners policies will cover most disasters that result from a freeze—but when the weather outside is frightful, it's better to minimize the potential risks. Here's how.
Protect your home from winter weather Article
Ice, snow and wind can have devastating consequences to your home—and to your household budget. Fortunately, there are precautions you can take to avoid the expense and inconvenience of winter damage—and even help you save on heating costs. Get started when the leaves begin to turn so your home is well prepared when the cold, harsh weather hits.
Yard Sale Article
ADDITIONAL COVERAGES/QUESTIONS
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Sinkholes and insurance Article
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