Homeowners Insurance
Open Peril vs Named Peril: What’s the Difference?
When comparing homeowners insurance policies, you may encounter two important terms: open peril and named peril. These terms determine which causes of property damage…
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Insurance
Clear U.S. insurance guides covering auto, health, home, renters, landlord, life and general protection, including costs, deductibles, exclusions and claims.
Auto Insurance Health Insurance Homeowners Insurance Landlord Insurance Renters Insurance
Insurance
Universal Life Insurance vs. Whole Life: Key Differences
Universal life and whole life are both forms of permanent life insurance. Either policy may remain in force for the insured’s lifetime and build…
Landlord Insurance
DP1 vs DP3 Insurance: Which Dwelling Policy Is Better?
DP1 and DP3 are dwelling fire insurance forms commonly used for rental homes, vacant properties, older houses, and other residences that may not qualify…
Renters Insurance
Renters Insurance vs. Homeowners Insurance: Key Differences
The central difference between renters insurance vs. homeowners insurance is the property each policy is designed to protect. Homeowners insurance generally covers the owner-occupied…
Homeowners Insurance
HO3 vs. HO5 Home Insurance: Coverage Differences Explained
HO-3 and HO-5 are homeowners insurance policy forms designed primarily for owner-occupied homes. Both can cover the dwelling, other structures, personal property, loss of…
Insurance
How Much Umbrella Insurance Do I Need? A Practical Coverage Guide
A common starting point is to buy enough umbrella insurance to cover the assets and income that could be exposed in a major liability…
Insurance
How Much Life Insurance Do I Need? A Practical Calculation Guide
How much life insurance do you need? The answer depends on the financial responsibilities that would remain if you died—not simply a fixed multiple…
Homeowners Insurance
Does Homeowners Insurance Cover Roof Leaks? What You Need to Know
Homeowners insurance may cover a roof leak when it results from a sudden event covered by your policy, such as wind, hail, fire, or…
Landlord Insurance
Landlord Liability Insurance: What It Covers and How Much You Need
Owning rental property creates responsibilities that extend beyond collecting rent and maintaining the building. If a tenant, guest, delivery worker, or contractor is injured…
Homeowners Insurance
Does Homeowners Insurance Cover Sewer Line Replacement?
A damaged sewer line can cause slow drains, foul odors, soggy areas in the yard, sewage backups, and expensive excavation. Replacing the pipe may…
Homeowners Insurance
Does Homeowners Insurance Cover Termite Damage? What Homeowners Should Know
Termites can remain hidden inside walls, flooring, support beams, and other wooden components for years. By the time a homeowner notices hollow wood, mud…
Homeowners Insurance
Does Homeowners Insurance Cover Foundation Repair? What Is and Isn’t Covered
Foundation damage can range from a small, harmless crack to a serious structural problem affecting floors, walls, plumbing, doors, and windows. Because repairs can…