Home Insurance Standard homeowners insurance policies don’t cover flooding but may cover water damage from other sources like windstorms or snowstorms. In addition, you can usually purchase separate flood insurance from either the federal government or a private insurance company to receive extra coverage.
Home Insurance State law doesn’t require homeowners insurance but you will generally need to purchase coverage before you can be approved for a loan through a mortgage lender. In addition, it’s recommended that you maintain homeowners coverage even when it isn’t required in order to protect yourself from potential financial losses.
Home Insurance A home insurance peril is an event that requires you to repair or replace your home or belongings. Learn what is a peril and which ones your provider will cover.
Home Insurance Homeowners insurance works provides for your property if it’s damaged by a covered peril and for liability if you’re responsible for another person’s injury or property damage.
Commercial Insurance Small business owners should consider buying various types of liability and property insurance that will protect their assets in case they face lawsuits or perils that could harm their business property. They also may be required to purchase certain types of coverage depending on the state they live in and the industry they work in.
Auto Insurance Liability coverage is a type of car insurance that covers another person’s medical expenses or repairs after an accident that you are responsible for. As a result, it provides a safety net that keeps you from bearing the entire financial burden after a costly accident.
Auto Insurance Auto Insurance is required by law in all 50 states. Learn more about how it works and if minimum coverage is right for you.
Commercial Insurance Restaurant owners should buy a policy that includes general liability, liquor liability, commercial property, business interruption, workers’ compensation and commercial auto coverage. In addition, there are several other coverage types that are worth considering when looking for the right restaurant insurance package.
Renters Insurance Your renters insurance deductible is the amount of money you must pay before your insurance company will contribute any money toward a personal property claim. When deciding what deductible to choose, you need to consider how much you can afford to pay up front in case of a covered loss and how much you want to spend on your regular premium payments.
