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Generally, standard homeowner’s insurance policies and commercial property insurance policies cover damage to civil unrest such as riots and acts of vandalism. As with all insurance policy claims, there are exceptions, which largely depend on the precise wording of the insurance policy. For example, while business property insurance does cover property damage due to civil…

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When a tree falls down, it can easily cause a lot of damage to a person’s property. It may land on a person’s home or vehicle, causing extensive damage that would cost thousands of dollars to fix. Before determining who is responsible for the fallen tree, it is important to know if it is considered…

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Buying a home is exciting; putting a claim in for an insurance loss is, admittedly, less so. Homeowners need to understand what the homeowner’s insurance policy does and does not cover. Many policies are named peril plans. These policies itemize what damages are covered and what events are covered. Anything that is not on the…

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The value to replace your home, contents, or any additional structures depends on what type of policy you have, and what needs to be replaced. Over time, both the structure and the contents will be subject to wear and tear. This depreciates the value of those structures and objects. Much like a new car driven…

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When you are filing a claim with your insurance company due to property damage and property loss, you may need to attend an Examination Under Oath (EUO). During the examination, someone from the insurance company is going to need to ask you a series of important questions. When answering these questions, you must make sure…

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If you’re buying a home, you’re going to need homeowners’ insurance. It’s not always legally required by the state, but mortgage lenders mandate that you have this type of policy. Homeowners’ insurance is designed to protect you if you sustain losses and damage to your property and your belongings. Named perils vs. all risk homeowners’…

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