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Homeowners + Renters Insurance

Understanding the insurance claims payment process

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.

Infographic: Illinois Homeowners’ Insurance: Affordable, Accessible, and Essential

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The Efficacy and Return on Investment of Loss Prevention Programs – Background, Methods and Results

Quantifying the Value of IoT Solutions for Homeowners and Insurers

As insurers increase their focus on predicting and preventing costly damage that drives up claims and premiums, telematics technology has come to play an increasing role. From video doorbells that reduce theft and vandalism to “smart plumbing” solutions that detect leaks and shut off water before in-home flooding can occur, these technologies clearly offer value to homeowners and insurers.

But how much value?

 

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How Your Roof Influences Your Home and Business Insurance

Your roof is an important part of the structure of your home or business. If it is well maintained, it protects the structure from the perils of hail, wind, water (rain, ice), fire, and other hazards. An old or poorly maintained roof can increase the risk of interior damage to ceilings, walls, foundations, and contents, such as furniture. Even a small leak can cause widespread water damage, mold, and mildew.

 

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Infographic: National Roofing Week

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What are Fair Plans and how might they provide insurance coverage?

Often referred to as state-run insurers of last resort, Fair Access to Insurance Requirements (FAIR) plans are state-managed property insurance plans that provide coverage for property owners who can't obtain a policy from private insurance companies due to high-risk factors. The application process can vary by state, but usually, the minimum requirement for homeowners is proof of coverage denial from at least two private insurers.

Tres razones para realizar un inventario del hogar

Crear y actualizar un inventario de sus posesiones personales es una de las mejores maneras de aprovechar al máximo su seguro de propietarios de viviendas o de inquilinos, y facilita la presentación de una reclamación de manera más eficiente.

Trends and Insights: Homeowners Insurance

More frequent losses from disasters, soaring construction costs, inflation, and other mounting pressures are driving homeowners insurance rates steadily higher. Despite these pressures, the homeowners insurance market is beginning to show early signs of stabilization.

(December 15, 2025)

Trends and Insights: California Struggles to Fix Insurance Challenges

Even as California moves to address regulatory obstacles to fair, actuarially sound insurance underwriting and pricing, the state’s risk profile continues to evolve in ways that impede progress.

Homeowners Self-insurance

What is homeowners self-insurance?

Homeowners self-insurance is when you use your savings or investments to cover potential losses or risks in lieu of purchasing an insurance policy and paying monthly premiums. Note that automobile liability insurance is mandatory in almost all states, and that mortgage companies usually require homeowners insurance.

Who can afford to consider self-insuring their home?

Self-insurance is an option for individuals who:

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