Standard business general liability (GL) policies provide little coverage for pollution damage, including toxic spills like the one in West Virginia in 2014. Today most companies that store or handle potentially toxic materials purchase a separate environmental liability policy. These policies cover the exposure that the GL policy excludes.
If a tree hits your home or other insured structure, such as a detached garage, your standard homeowners insurance policy covers the damage to the structure, as well as any damage to the contents.
This is true for trees felled by wind, lightning or hail.
Before you consider renting out your home, your guest room—or even your couch—first contact your insurance professional so you fully understand the financial risks and can take the proper precautions. Here's some general information to jumpstart your insurance conversation.
Some types of auto insurance coverage are required, others are optional, but you’ll want to understand them all because they provide protection against several types of risk.
When a major, federally declared disaster occurs, the Federal Emergency Management Agency (FEMA) offers assistance to individuals who've sustained damages. If you're the victim of a qualified disaster, here are some FAQs—and answers—about getting FEMA help.
Whether you’re moving locally or out-of-state, on your own or with a moving company, the right insurance will protect your belongings and give you one less worry. But before you put the first piece of furniture on the truck, do some research—start here.
Creating and updating an inventory of your personal possessions is one of the best ways to make the most of your homeowners or renters insurance, and makes filing a claim easier and more efficient.
