Inside the home, water damage can come from things like bursting pipes. Burst pipe insurance claims are one of…

Most Property Insurance Policies Contain Coinsurance Clauses First, having a coinsurance clause on your home insurance policy is not…

In order to create a contract of adhesion for home insurance, for example, the insurer provides the homeowner with…

Insurance policies have two different definitions of value: Actual Cash Value (ACV) and Recoverable Cash Value (RCV). These two…

Your home is your most important investment. You have home insurance to protect that investment. But do you really…

“Wind-driven rain” is one of those terms you’ve probably never thought about until you buy home insurance. In fact,…

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…