Frequently Asked Questions

• What is homeowner’s insurance?
  Homeowner’s insurance policies cover damages to or destruction of your home and possessions that result from fire, theft, or other types of disasters. The insurance proceeds will help … more
• Am I required to have homeowner’s insurance?
  Maybe. The law of the state in which you live determines whether you are required to maintain homeowner’s insurance for your home. However, if you have a mortgage loan secured by … more
• Will homeowner’s insurance cover all of my personal property?
  No. There are some types of personal property, such as antiques, expensive jewelry, and coin collections, which your insurance policy might not cover, or might only partially cover. In … more
• Will homeowner’s insurance cover my vehicles?
  No. Vehicles are not included in a homeowner’s insurance policy. However, damages to your vehicles may be covered by your auto insurance policy. more
• Why does my homeowner’s insurance policy contain Additional Living Expense (“ALE”) coverage?
  If you are unable to use or live in your home while it is being repaired or rebuilt, ALE coverage will provide you with some extra benefits. For instance, ALE coverage can pay for the costs … more

Legal Articles

• What are some common exclusions and/or limitations in homeowner’s insurance policies?
  Although it can be costly, homeowner’s insurance is necessary for your protection, and even required in some cases. However, homeowner’s insurance policies don’t always cover all damages and/or losses to your home, even in situations where you might honestly assume that you have insurance coverage. Therefore, you should be sure to look out for some common exclusions … more
• How Your Car Insurance Premiums are Determined
  State laws require drivers of motor vehicles to maintain certain levels of car insurance in order to legally operate a motor vehicle. Car insurance premiums can vary widely, even within the same geographic area and it may seem like insurance companies are arbitrarily assigning rates to customers. However, the calculation of car insurance premiums may not be as mysterious as it seems … more

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