The Insurance Bulletin
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Home Insurance

insurance adjuster inspecting car

What Is an Insurance Adjuster?

by Elizabeth Rivelli
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Updated on March 7, 2023
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3 Min Read
If you experience an insured loss, you'll need to work with an insurance adjuster. Learn what an insurance adjuster does and how they settle claims.
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Does Homeowners Insurance Cover Foundation Issues?

by Sarah Li Cain
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Updated on March 7, 2023
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4 Min Read
Your foundation may be covered under your standard homeowners insurance policy. Find out which perils are covered, and how you can prevent foundation damage in the first place.
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The Best Homeowners Insurance in 2022

by Elizabeth Rivelli
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Updated on April 3, 2022
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7 Min Read
We did some research to identify the best homeowner's insurance companies in 2022. These providers stand out for their affordable rates, coverage options, discounts, customer service, and more.
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What Is Personal Liability Coverage for Renters?

by Elizabeth Rivelli
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Updated on November 2, 2022
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4 Min Read
Renters insurance covers third-party claims of bodily injury and property damage. Learn how this policy works, what it covers, and how much coverage you need.
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What is Homeowners Insurance?

by Catherine Hiles
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Updated on April 3, 2022
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6 Min Read
Homeowners insurance helps protect your home and its belongings if it suffers damage from a storm, fire, or other covered event.
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Does Homeowners Insurance Cover AC?

by Mandy Sleight
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Updated on November 2, 2022
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4 Min Read
Find out when your homeowners insurance covers AC units, when it doesn’t, what options you have if it doesn’t, and how to file an HVAC claim.
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What is Hazard Insurance?

by Catherine Hiles
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Updated on December 13, 2021
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3 Min Read
Hazard insurance helps protect you and your home in case of a natural disaster or other hazard. Learn more about this important insurance type.
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What Does Homeowners Insurance Cover?

by Cynthia Paez Bowman
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Updated on April 3, 2022
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4 Min Read
When shopping around for coverage, you’ll find that a home insurance policy comes with different components. The question is, what does homeowners insurance cover and what exactly do you need?
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What is a Peril in Insurance?

by Sarah Li Cain
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Updated on October 13, 2022
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3 Min Read
A peril is an event that causes damage to your home. Find out more about exactly what counts as a covered peril for homeowners insurance.
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Does Home Insurance Cover Plumbing?

by Holly Johnson
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Updated on October 13, 2022
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5 Min Read
Home insurance does not cover regular plumbing problems like leaky pipes, but it can cover sudden, expected plumbing events that cause water damage in a home.
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Third-Party Insurance Guide

by Sarah Li Cain
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Updated on October 3, 2022
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3 Min Read
Getting adequately insured is crucial if you want to protect yourself and your family. Part of that is getting third-party insurance. Learn exactly what it is, how it works, and where you can purchase such coverage.
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How To Get Insurance To Pay For Roof Replacement

by Mandy Sleight
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Updated on October 3, 2022
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6 Min Read
How to get insurance to pay for roof replacement? Follow these steps to get your claim approved and the money you need to repair or replace your roof.
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What Is An HO-5 Insurance Policy?

by Holly Johnson
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Updated on January 6, 2022
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3 Min Read
HO5 insurance policies offer better coverage and higher limits, making them a form of premium homeowners coverage. Find out how HO5 policies work and who they're best for.
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Hazard Insurance vs. Homeowners Insurance

by Margaret Wack
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Updated on March 17, 2022
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3 Min Read
Hazard insurance, which refers to insurance against perils like fire or theft, is one component of homeowners insurance. We’ll break down the difference between these two terms.
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What is Recoverable Depreciation?

by Matthew Collister
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Updated on October 2, 2022
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4 Min Read
Recoverable depreciation is the gap between an item’s retail cost and its current value. Depending on your policy, you may be able to recover this money when you file a claim against your homeowners policy.
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What Is Contents Insurance?

by Catherine Hiles
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Updated on September 11, 2022
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4 Min Read
Contents insurance is a type of coverage for policyholders’ personal possessions and is sold as part of a renters insurance or homeowners insurance policy.
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How Much Is Renters Insurance?

by Elizabeth Rivelli
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Updated on April 3, 2022
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4 Min Read
The average American pays $179 per year or $14.9 per month for renters insurance in the United States. Factors like age, credit score, state and even your ZIP code will impact the cost of your policy.
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What is Renters Insurance (HO-4)?

by Holly Johnson
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Updated on December 6, 2021
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5 Min Read
Renters insurance protects personal belongings while providing liability coverage. Find out how renters insurance works and how much it costs.
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What does renters insurance cover?

by Jennifer G Gregory
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Updated on December 13, 2021
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6 Min Read
Renters insurance covers damage to or theft of your personal property, personal liability for guests and Loss of use if you're unable to live in your home due to a covered loss.
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How Much Renters Insurance Do You Need?

by Matthew Collister
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Updated on April 3, 2022
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4 Min Read
The amount of renters insurance you need depends on several factors. We take a look at some of the things you should think about when considering how much you need.
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Best Renters Insurance Companies

by Margaret Wack
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Updated on August 23, 2022
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8 Min Read
Renters insurance policies can help to protect you from covered perils like fire, lightning, and theft. We’ll cover the best renters insurance companies, how to choose a policy, and what renters insurance covers.
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What Is Title Insurance?

by Margaret Wack
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Updated on April 6, 2022
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3 Min Read
Title insurance helps to protect new homebuyers against any issues surrounding a new home’s title, such as lawsuits, liens, or back taxes.
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How Much Does Title Insurance Cost

by Matthew Collister
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Updated on July 17, 2022
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3 Min Read
Title insurance protects you if there are any problems related to your home’s title. Its cost varies, usually ranging from a few hundred to a few thousand dollars.
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Homeowners Insurance Deductibles Explained

by Elizabeth Rivelli
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Updated on December 13, 2021
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6 Min Read
Home insurance policies have a deductible, which you pay toward a covered loss. Learn how deductibles work, how much they cost, and how they affect your rate.
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What is HOA Insurance?

by Holly Johnson
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Updated on January 27, 2022
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4 Min Read
HOA insurance protects individual homeowners and owners of condominiums from costs related to damage or liability in common areas.
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What is an HO-3 Homeowners Insurance Policy?

by Matthew Collister
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Updated on January 6, 2022
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5 Min Read
An HO-3 policy is the most common type of homeowners insurance for single-family homes. It protects you financially if your home is damaged or destroyed.
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What is a Homeowners Insurance Declarations Page?

by Matthew Collister
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Updated on July 6, 2022
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5 Min Read
Homeowners insurance can be complex and challenging to understand. As a high-level overview of your policy, your declarations page can help you break through the complexity. When you buy or renew your homeowners insurance policy, look for this important document.
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How To Buy Homeowners Insurance

by Mandy Sleight
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Updated on July 3, 2022
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10 Min Read
Learn how to buy homeowners insurance, including what it covers, what it doesn’t cover, ways to save, how rates are calculated, and how much coverage you need.
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Replacement Cost vs. Actual Cash Value

by Matthew Collister
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Updated on June 19, 2022
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4 Min Read
Replacement cost and actual cash value refer to the approaches an insurance company may take when determining the value of your property for a claim.
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What Is An Insurance Deductible?

by Choncé Maddox
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Updated on June 2, 2022
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3 Min Read
Most insurance policies have a deductible which is the policyholder’s responsibility to pay before receiving benefits. Learn more about how deductibles work here.
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How Much Does Flood Insurance Cost?

by Elizabeth Rivelli
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Updated on December 13, 2021
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5 Min Read
Standard homeowners and renters insurance policies never cover flood damage, even if it’s sudden and accidental. If you live in an area that is prone to flooding, it’s a good idea to purchase a separate flood insurance policy.
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What is Extended Replacement Cost?

by Catherine Hiles
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Updated on December 6, 2021
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5 Min Read
Extended replacement cost is an add-on to your homeowners insurance that increases the replacement cost coverage if your home needs to be rebuilt.
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What is Water Backup Coverage?

by Catherine Hiles
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Updated on March 21, 2022
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5 Min Read
Water backup insurance coverage is a type of insurance that helps pay for water damage caused by sewer, drain, or sump pump water backup.
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How A Pool Affects Your Homeowners Insurance

by Elizabeth Rivelli
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Updated on December 13, 2021
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4 Min Read
Pools can impact your home insurance, like the amount of coverage you need and your annual rate. If you have a pool or want to build one, here's what to know.
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What is Service Line Coverage and Do You Need It?

by Matthew Collister
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Updated on March 30, 2022
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4 Min Read
Service line coverage is insurance that pays to repair damage to underground utility lines on your property. Learn more about this useful type of coverage.
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Does Homeowners Insurance Cover Water Damage?

by Jessica Martel
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Updated on April 3, 2022
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4 Min Read
If you’re a homeowner, make sure you know what types of water damage are covered by your insurance policy so you can be properly prepared.
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What Is an Insurance Binder?

by Sarah Li Cain
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Updated on April 21, 2022
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4 Min Read
Insurance binders are important if you’re taking out a car loan or a mortgage. Learn exactly what they are and how to get one.
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What Is HO-2 Insurance?

by Elizabeth Rivelli
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Updated on April 3, 2022
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3 Min Read
HO-2 insurance is a type of home insurance. Learn what it covers, what's excluded from this policy, and how it differs from other kinds of homeowners insurance.
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Does Homeowners Insurance Cover Roof Damage?

by Choncé Maddox
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Updated on March 31, 2022
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4 Min Read
Homeowner’s insurance may or may not cover roof damage based on the circumstances. Learn which situations are covered and how to file a claim in this article.
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What is Scheduled Personal Property Coverage?

by Eric Rosenberg
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Updated on March 31, 2022
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3 Min Read
Personal property coverage is insurance for valuable items like jewelry and artwork. Learn more about personal property coverage here.
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Types Of Home Insurance Policy Forms

by Matthew Collister
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Updated on January 27, 2022
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6 Min Read
What does the “HO” on your home insurance paperwork mean? It denotes your policy form, or contract. Learn more.
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Does Homeowners Insurance Cover Fire Damage?

by Catherine Hiles
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Updated on January 27, 2022
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6 Min Read
Homeowners insurance covers numerous incidents and disasters that might damage or destroy your home, including most types of house fire.
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What Is Broad Form (BFI) Insurance?

by Holly Johnson
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Updated on January 27, 2022
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4 Min Read
The term "broad form insurance" has multiple meanings. Find out how this type of insurance works and who should use it.
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Mobile Home (HO-7) Insurance: Everything You Need to Know

by Matthew Collister
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Updated on January 20, 2022
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4 Min Read
Mobile home (HO-7) insurance protects you financially if your home is destroyed, your personal property is damaged or stolen, and more. Learn about it.
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What is an HO-8 Insurance Policy?

by Elizabeth Rivelli
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Updated on January 20, 2022
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3 Min Read
HO-8 insurance is used to protect homes that are older or have architectural significance. Learn what this policy does and doesn't cover, and who needs it.
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Your Guide to Earthquake Insurance

by Matthew Collister
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Updated on December 13, 2021
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6 Min Read
Earthquake insurance provides coverage if your home is damaged by a quake. If you live in an area that’s high risk, it’s coverage worth considering. Learn more.
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What is Condominium (HO-6) Insurance?

by Matthew Collister
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Updated on December 13, 2021
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5 Min Read
Condominium insurance is a form of homeowners coverage designed for condos. It insures areas of the condo that are not insured by your association’s policy.
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Does Homeowners Insurance Cover Mold?

by Jennifer G Gregory
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Updated on December 13, 2021
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4 Min Read
Most homeowners think their insurance will automatically cover mold damage in the home. Unfortunately, mold coverage is not guaranteed by your homeowners insurance policy.
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What is Dwelling Coverage?

by Roger Wohlner
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Updated on December 13, 2021
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4 Min Read
Dwelling coverage is a key portion of a homeowners insurance policy that covers the repair or replacement of your dwelling.
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How Much Is Homeowners Insurance

by Holly Johnson
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Updated on December 6, 2021
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6 Min Read
Homeowners insurance premiums depend on a whole host of factors, including the state you live in. Find out how average premiums pan out where you live.
Read more >

What is Loss of Use Coverage

by Lee Huffman
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Updated on December 6, 2021
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5 Min Read
Loss of Use coverage pays for housing and additional expenses incurred when you cannot live in your home while it is being repaired for a covered reason.
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What Is An Elevation Certificate For Flood Insurance?

by Lee Huffman
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Updated on October 18, 2021
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5 Min Read
Homes in a flood zone should purchase flood insurance to protect against damage. An elevation certificate analyzes the home and determines insurance rates.
Read more >
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