The appraisal clause allows either party – you or your insurer – to request an independent evaluation of an…

The Fair Access to Insurance Requirements (FAIR) Plan officially started issuing policies in April 2025, two years after Colorado…

Condo associations (COAs) and homeowners associations (HOAs) could inadvertently lead to a denied claim. Sometimes, COAs and HOAs make…

It’s not a scam: it’s called property condemnation. The government uses property condemnation to seize private property via eminent…

The Great Fire of London sparked the need for fire insurance in one of the world’s largest cities, for…

If a local government is building a school near your property, for example, they could use eminent domain to…

Historical records show ancient Babylonian merchants banding together around 1,750 BCE to protect goods against shipwrecks and theft. The…

Some insurers may blame you for the fallen tree. Why did you leave a tree so close to your…

Critics point to rising insurance premiums, growing rates of insurance cancellations, and increasing reliance on insurers of last resort….

In some parts of the United States, homeowners insurance premiums have doubled in the last five years. Some states…