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Court Differentiates Vandalism from Theft in First Party Insurance Policy

The Property Insurance Law Observer

On November 20, 2021, after the home was vacant for an extended period of time, unidentified individuals broke into and damaged Plaintiffs’ property, taking various items. Plaintiffs argued that the damage was covered under the policy, primarily resulting from theft.

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Landlord Insurance vs. Standard Home Insurance: Key Differences

Protect Commercial Insurance

Introduction When it comes to protecting your property, the type of insurance you choose can make a big difference. Whether you’re a landlord with several rental properties or a homeowner looking to safeguard your family home, understanding your insurance needs is essential.

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Does Homeowner’s Insurance Cover Boats?

Maritime Insurance International

Most home insurance policies offer two main types of coverage: property damage and personal liability. Personal liability coverage provides financial protection for events where another person is injured and you are determined to be at fault. You want more coverage options than your home policy provides.

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How Home Renovations Can Affect Your Homeowners Insurance Policy

TGS

Whether it’s a big project involving reconstruction of part of your home, or a small project that will increase the value of your home or personal property, your renovation will affect your homeowners insurance. Ask your insurance agent if you will need an unoccupied policy to protect your home and belongings during your renovation.

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South Carolina Wind Pool Insurance Explained

TGS

TGS Insurance » Blog With hurricane season in full force, South Carolina residents living on the coast must protect their homes from the upcoming storms. Understanding how windstorm insurance works in these areas is the first step in adequately protecting your home. The law protects all land designated “beach” by the legislature.

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Does Homeowners Insurance Cover Collectibles? 

Distinguished

Theft, damage during transport, or accidental breakage can devastate a collection that has taken years to assemble. Designed specifically for the needs of collectors, this specialized coverage offers protection tailored to the high values and distinct risks associated with collectible items. What is Collectibles Insurance?

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Prepare for the Unexpected — How to Help Policyholders With Disaster Planning

American Agents Alliance

Discuss how to inventory personal property with receipts, photos, and videos. Provide a checklist so your policyholders can easily keep track of personal property. Local resources from the community or region can be helpful when homeowners need to protect their property and reduce their potential exposure to loss.