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What is an insurance premium refund?3 days ago
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Insurance vs. an extended warranty: what's the difference?3 days ago
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What is an insurance deductible waiver?3 days ago
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How to insure high-value items like jewelry and art3 days ago
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What is an insurance claim history report (CLUE)?3 days ago
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Do you still need insurance on a paid-off car or home?3 days ago
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What is a deductible and how does it work?
A deductible is the amount you agree to pay out of pocket when you file a covered claim, before your insurance starts paying. Higher deductibles usually mean lower monthly premiums, and lower deductibles mean higher premiums. Pick the deductible you can comfortably cover from sav...
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Do I really need uninsured motorist coverage?
Uninsured (UM) and underinsured (UIM) motorist coverage pays for your injuries and sometimes property damage when the at-fault driver has no insurance, or not enough. Some states require it; many do not. Even where it is optional, it is generally inexpensive relative to what it p...
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What is the difference between collision and comprehensive coverage?
Collision pays for damage to your own vehicle from an accident with another vehicle or object (a tree, a guardrail). Comprehensive — sometimes called "other than collision" — pays for non-collision damage like theft, hail, fire, vandalism, or hitting an animal. They are usually s...
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Does standard homeowners insurance cover floods?
No. Standard homeowners policies in the U.S. exclude flood damage. Flood coverage is sold separately, most commonly through the National Flood Insurance Program (NFIP) or some private carriers. If you live anywhere that water can pool — not just designated flood zones — ask your...