What Is Physical Damage Insurance and Do I Need It?
Quick Answer: Physical damage insurance covers damage to your own vehicle up to the policy limit from collisions, natural disasters, and...
Should I Add My Landlord to My Renters Insurance? Yes-Here's Why
Quick Answer: Yes, add your landlord as an Interested Party (also called Additional Interest) on your renters insurance. It does not give them...
What Does Physical Damage Insurance Cover? 2026 Guide
Quick Answer: Physical damage insurance covers repair or replacement of your own vehicle through two coverages: collision (impact with vehicles...
How Does HOA and Homeowners Insurance Work?
If you own a home, condo, or townhouse in an HOA community, you have two insurance policies working together (or against each other) every day....
How Much Is Home Insurance In Illinois?
Most Illinois homeowners we talk to are paying 20 to 40 percent more for home insurance in 2026 than they were three years ago, even with no...
Top 5 Home Insurance Myths
Most homeowners do not learn what their policy actually covers until they file a claim. By then it is too late. After reviewing thousands of...
What Is Not Covered By Homeowners Insurance?
Quick Answer: Standard homeowners insurance is exclusion-based: it covers everything except what is specifically named out. The major...
What Type Of Water Damage Is Covered By Homeowners Insurance?
Quick Answer: Homeowners insurance covers sudden and accidental water damage, such as a burst pipe, an overflowing appliance, or storm-driven...