Home insurance demystified
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Limit of liability explained
Learn what a limit of liability is, how to find your, and what it means for your homeowners insurance.
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What is an act of God?
An act of God is an event that's outside of human control. Find out if your home insurance covers acts of God and what to do if your home experiences one.
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How long do home insurance claims stay on your record?
Home insurance claims often stay on your record for five to seven years. Learn how claims can affect your insurance costs and how to lower your rate after a loss.
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What is an HO-2 policy?
An HO2 policy is a type of home insurance that can cover your home and personal property against 16 named perils.
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What is a centrally monitored alarm system?
Find out what type of security system often helps you qualify for a home insurance discount.
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What is golf cart insurance?
You may need golf cart insurance if you plan on driving your golf cart around your community or on public roads. Find out who needs a policy.
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What is an insurance effective date?
Your effective date is the day your insurance policy becomes valid. This date is important to know because it helps determine if claims are covered.
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What is a named insured?
A named insured is any entity listed as covered by an insurance policy. Learn the benefits of being the named insured on your homeowners insurance.
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What is a first notice of loss?
A first notice of loss is the first step in filing an insurance claim for a covered loss or damages to a covered item.
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What is a coinsurance clause?
Most home insurance policies include a coinsurance clause, but not many people know what it means. Find out how the coinsurance clause can cost you money.
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What is property and casualty (P&C) insurance?
Learn what property and casualty insurance (P&C insurance) is, what it covers (home, car, business), and who needs it to protect their assets from loss or liability.
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What is a no loss statement?
Read about no loss statements to find out what they are and when you might need one.
