280 guides
Standard homeowners insurance usually excludes sewer and drain backup, but an inexpensive water backup endorsement covers it. Learn why it’s excluded, how the add-on works, how it differs from flood coverage, and how to protect your home.
Homeowners insurance covers foundation damage only when a covered peril like a burst pipe causes it, not earth movement, settling, or gradual damage. Learn the cause-based rules, the earth movement exclusion, and how to protect your foundation.
Homeowners insurance treats trampolines as a major liability risk, some cover them, some require safety measures, some exclude them entirely. Learn the attractive nuisance doctrine, insurer safety requirements, and how to keep coverage.
Homeowners insurance almost never covers termite or pest damage, treating it as a preventable maintenance issue. Learn why it’s excluded, the rare ensuing-loss exceptions, which pests are excluded, and how to protect your home.
Standard car insurance doesn’t cover engine failure or mechanical breakdown, only accident-caused damage. Learn the one exception, how optional Mechanical Breakdown Insurance works, and how to protect against expensive repairs.
Car insurance covers pothole damage only through collision coverage, since hitting a pothole counts as a collision. Learn why the deductible usually makes filing not worthwhile, whether it raises rates, and how to claim against the city.
Homeowners insurance covers a home business only minimally, capping business property around $2,500 and excluding most business liability. Learn the gaps and the three ways to properly cover a home-based business.
Car insurance often covers the DUI accident itself through liability and collision, since it’s not intentional, but never your legal fines. Learn how a DUI makes you high-risk, how much rates rise, how long it lasts, and SR-22 filings.
Car insurance covers catalytic converter theft only if you carry comprehensive coverage, minus your deductible. Learn what the claim includes, why filing usually makes sense, and how to protect your converter from theft.
Homeowners insurance covers power surge damage when it comes from a covered peril like lightning, but usually not internal surges without an equipment breakdown endorsement. Learn what’s covered and how to protect your electronics.
Car insurance often covers hit-and-run through your own collision, uninsured motorist, or PIP coverage. Learn which coverage pays, why collision is most reliable, the state-by-state uninsured motorist wrinkle, and what to do after.
Car insurance covers vandalism only if you carry comprehensive coverage, minus your deductible. Learn what counts as vandalism, the deductible math that decides whether to file, the police report requirement, and how it affects rates.
