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General Property Insurance Questions
What is an insurance policy?
What is an ‘insurable interest’?
How does an insurance policy ‘protect’ me?
What are ‘exclusions’ and ‘limitations’ and how do they affect my coverage?
Are there any government agencies that regulate how insurance companies operate?
What coverage do I get from a homeowners’ policy?
If I own a house, am I required to buy homeowner's insurance?
If I do not own property, but only rent a house or apartment, do I still have a need for insurance?
What happens if I injured myself at my friend's house?
Should I have insurance on the building?
What kinds of insurance should I buy for my commercial building?
Are there legal limitations on insurance company business practices?
Are there any limitations on what an insurance company can charge for insurance?
Can an insurance company refuse to sell me insurance for any reason it chooses?
Can an insurance company cancel my policy for any reason it chooses?
Can I cancel my policy at any time and will there be a penalty?
If I miss a premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?
What am I required to do when I have a claim?
What happens when there is a claim?
If I am sued, does my insurance company defend me in court?
If I am sued, can my insurance company settle the case without my consent?
What is a ‘reservation of rights’ letter?
What can I do when an insurance company refuses to pay a claim?
If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
What legal remedies do I have if my insurance company won't pay my claim or won't pay what I think the claim is worth? Lawsuit for breach of contract
Lawsuit for ‘bad faith’
What is the ‘duty to mitigate damages?’
Are there any options for resolving a dispute with my insurance company other than suing the company in court?Arbitration
Arbitration
Complaint to department of insurance
Cancellation
Can an insurance company cancel my policy for any reason it chooses?
If I miss a premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?
Claims
How does homeowner's insurance pay for property damage to my home in the event of a fire, theft, or other disaster?
What happens when there is a claim?
What am I required to do when I have a claim?
What is a ‘reservation of rights’ letter?
What can I do when an insurance company refuses to pay a claim?
What legal remedies do I have if my insurance company won't pay my claim or won't pay what I think the claim is worth? Lawsuit for breach of contract
Lawsuit for ‘bad faith’
Arbitration
Complaint to department of insurance
My condo unit was recently flooded by my neighbor's broken washing machine. My insurer says I have to ante up the $250 deductible. Why? It's not my fault. The neighbors should pay.
Commercial buildings
Should I have insurance on the building?
What kinds of insurance should I buy for my commercial building?
Dispute resolution
What legal remedies do I have if my insurance company won't pay my claim or won't pay what I think the claim is worth? Lawsuit for breach of contract
Lawsuit for ‘bad faith’
Are there any options for resolving a dispute with my insurance company other than suing the company in court?Arbitration
Arbitration
Complaint to department of insurance
If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
Exclusions and limitations
What are ‘exclusions’ and ‘limitations’ and how do they affect my coverage?
Government regulation
Are there any government agencies that regulate how insurance companies operate?
Are there legal limitations on insurance company business practices?
Homeowners
What is an ‘insurable interest’?
What coverage do I get from a homeowners’ policy?
How does homeowner's insurance pay for property damage to my home in the event of a fire, theft, or other disaster?
What are "title insurance" and "mortgage insurance", and are they necessary?
What is the ‘duty to mitigate damages?’
What happens if I injured myself at my friend's house?
My son and his neighborhood buddy, joe, were playing at our home and my son accidentally hit joe with a stick, cutting his check that required a hospital visit and stitiches. Are we responsible for paying joe's hospital and medical bill?
I was bitten by a dog at a rental unit where I was treating an invasion of ants. The landlord let me in without the tenant's permission. I ended up going to the hospital for treatment. Can I sue?
Hurricane Insurance Articles
Coastal Living Just Got More Expensive: Think Hurricane
Insurers Canceling Homeowners' Policies in Northeast at Alarming Rates
Purpose
How does an insurance policy ‘protect’ me?
Rates and ratings
Are there any limitations on what an insurance company can charge for insurance?
Rental
If I do not own property, but only rent a house or apartment, do I still have a need for insurance?
I was bitten by a dog at a rental unit where I was treating an invasion of ants. The landlord let me in without the tenant's permission. I ended up going to the hospital for treatment. Can I sue?
Can I be denied life insurance because of a previous stay in a mental health facility or taking anti-depressives over 2 years ago?
My condo unit was recently flooded by my neighbor's broken washing machine. My insurer says I have to ante up the $250 deductible. Why? It's not my fault. The neighbors should pay.
Suit
Why notify my insurance company?
If I am sued, does my insurance company defend me in court?
If I am sued, can my insurance company settle the case without my consent?
What is a ‘reservation of rights’ letter?
Title/mortgage insurance
What kinds of insurance can I buy?
What are "title insurance" and "mortgage insurance", and are they necessary?
What is mortgage insurance?
What is title insurance and why do I need it?
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