What do homeowners do when they can’t obtain insurance from private companies? Private insurers aren’t obligated to do business…

Insurance protects your biggest investment. Without insurance, you could violate the terms of your mortgage – or lose your…

A standard homeowners insurance policy covers water damage caused by a water heater. However, insurance will not cover the…

If your deductible is too high, you might be unable to make a claim – or unwilling to ever…

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

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

Standard Homeowners Insurance Provides Limited Coverage for Home-Based Businesses If you have a home-based business, then you may need…

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),…

Once a storm has a name – like Hurricane Milton or Hurricane Helene, it can significantly change future insurance…