What your policy does not cover, how to read the wording, and how to file or fight a claim.
Most homeowners learn what their policy says only after a loss, which is the worst time to find out that flood, earthquake or a slow leak was never covered. This group explains the exclusions you should check before you buy, the vocabulary that appears on a declarations page, and the practical steps of a claim from first call to final payment.
You will also find guides on why claims are denied or underpaid, how percentage deductibles work for wind and hail, and where the big coverage gaps sit. Each guide focuses on one question you might search for in the middle of a stressful event or while shopping.
Policy language varies by insurer and state, so treat these guides as a map, not a contract. Your own policy and your state department of insurance are the final authorities. Where a rule differs a lot between states, we say so and point to the right official source.
Exclusions, Terms and Claims
A plain list of what standard homeowners policies leave out, from flood and earthquake to wear and tear, sewer backup, mold and business property, with fixes.
Exclusions, Terms and Claims
Why standard homeowners insurance excludes flood and earthquake, how NFIP and private flood policies work, waiting periods, limits and how to decide whether you need them.
Exclusions, Terms and Claims
A glossary-style guide to declarations pages, deductibles, ACV, RCV, sublimits, endorsements, conditions and other terms that decide what your homeowners policy pays.
Exclusions, Terms and Claims
What to do in the first 48 hours, how to document damage, work with an adjuster, understand payment timing and dispute a low offer after a homeowners loss.
Exclusions, Terms and Claims
The most common reasons homeowners claims are denied, reduced or delayed, with examples, how to respond to a denial letter, and when to escalate to your state regulator.
Exclusions, Terms and Claims
How separate wind, hail and named-storm deductibles work, how to convert a percentage into dollars, which states commonly use them, and how to plan for the out-of-pocket cost.
