Shopping for Insurance

What is a loss history report?

A Loss History Report is a record of insurance losses associated with a home or a car. Most homeowners and auto insurance companies contribute claims history information to a database known as the Comprehensive Loss Underwriting Exchange (C.L.U.E.), which is available from LexisNexis. The information is generally used by insurers when they underwrite policies.

 

The i's on insurance: Your homeowners coverage

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The Insurance Information Institute is all about helping consumers understand 'what insurance is and how it works.' If you're a homeowner, or are considering buying a home, you'll want to know the basics of homeowners insurance. "The I's on Insurance: Your Homeowners Coverage" explains what most policies cover (and don't cover). Watch and learn about liability, additional living expenses and other coverages in your insurance policy. And discover that protecting your family's home and belongings with a policy that balances your needs and budget doesn't have to be a chore.


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Your renters insurance guide

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

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If you rent a house or apartment, your possessions are NOT covered under your landlord's policy. Having renters insurance can protect your belongings and give you peace of mind.
Spokespersons: Jim Eury, landlord; Bill Baily, Insurance Information Institute.


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Be smart and get renters insurance

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Kirk the crash test dummy tells you about the importance of renters insurance.


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Flood insurance for your home

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Home buyer's insurance guide

Shopping for your dream house? There are many considerations when looking at real estate, like property taxes, school district, the appeal of the neighborhood—and, of course, the bottom line. Don't overlook the financial implications of homeowners insurance as part of your overall investment. Use this guide to help think through all the costs associated with buying a home.

How to save money on your homeowners insurance

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.