Do I need earthquake coverage in Arizona? How can I get it?
A: The standard insurance policy does not pay for direct damages caused by "earth movement." "Earth [...]
Where and when is my personal property covered?
A: Personal property (except property that is specifically excluded) is covered anywhere in the world. For [...]
What are the policy limits (i.e. coverage limits) in the standard homeowners policy?
A: Note: this answer is based on the Insurance Services Office’s HO-3 policy. The home and [...]
What factors should I consider when purchasing homeowners insurance?
A: There are a number of factors you should consider when purchasing any product or service, [...]
What is the difference between “actual cash value” and “replacement cost”?
A: Covered losses under a homeowners policy can be paid on either an actual cash value [...]
What does homeowners insurance cover in Arizona?
A: The typical homeowners policy has two main sections: Section I covers the property of the [...]
What are some practical things I can do to lower the cost of my home insurance?
A: There are a number of things you can do to lower the cost of your [...]
