Renovating Your Home? Insurance Questions Before Work Starts
A renovation can change rebuild cost, create new liability exposures and introduce materials or valuables that were never contemplated when the current policy was…
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Editorial articles, practical insurance explainers, and updates from the PolicyRoutes research desk.
Homeowners Insurance vs. Flood Insurance
Homeowners insurance and flood insurance can both protect a home, but they are built around different causes of loss. Standard homeowners policies generally exclude…
Read →Named Perils vs. Open Perils Home Insurance
Named-perils coverage starts with a list of covered causes of loss, while open-perils coverage generally starts from broader coverage and then removes excluded causes.…
Read →Travelers Home Insurance Research
Travelers homeowners insurance combines dwelling, personal property, liability, loss-of-use and other-structures coverage, with optional endorsements that can materially change valuation, water-backup and valuable-items protection.
Read →Nationwide Home Insurance Research
Nationwide homeowners insurance uses the familiar structure of dwelling, other structures, personal property, loss of use and liability coverage, with optional features that should…
Read →Theft and Vandalism Home Insurance Claims
Theft and vandalism claims are evidence-heavy. Coverage can depend on the policy’s covered-peril language, occupancy status, special limits, deductible and proof that the stolen…
Read →Roof Damage Home Insurance Claim Checklist
A roof claim depends on more than visible shingles. The cause of damage, storm date, roof age, deductible, settlement method, maintenance history and any…
Read →Loss of Use and Additional Living Expenses Explained
Loss-of-use coverage can help with the extra cost of living elsewhere when a covered loss makes a home uninhabitable. It is not a blank…
Read →Personal Property Coverage and Special Limits
Personal property coverage protects belongings, but the headline contents limit is not the only number to read. Valuation rules, covered-peril language and special sublimits…
Read →Dwelling Coverage Explained
Dwelling coverage is the part of a homeowners policy designed to repair or rebuild the house itself after a covered loss. The number that…
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