A standard homeowners insurance policy will not typically cover termite damage repair. Instead, most homeowners need to pay for…

Typically, a property insurance claim does not include compensation for emotional distress. However, in certain situations you may be…

Insurers can deny claims for many reasons. Sometimes, there are legitimate reasons for claim denial. In other cases, the…

“Zone X” refers to an area with a moderate to low risk of flooding. Depending on your location, aversion…

If you don’t have windstorm insurance, then your homeowners insurance policy may not protect you against hurricane damage, tornado…

If you live in hurricane-prone regions of the southeastern United States, for example, or tornado-prone regions of the Midwest,…

How does dwelling coverage work? How much dwelling coverage do you need? Keep reading to find out everything you…

What is Ordinary Payroll? Ordinary payroll is an endorsement, or add-on coverage, available on many business interruption insurance policies….

Explosions are a covered peril on most homeowners insurance policies. If you experience a gas leak, propane grill explosion,…

Estimated maximum loss (EML) refers to the highest potential loss possible from a single event. Probable/possible maximum loss (PML),…