What are Optional Coverages on a Home Insurance Policy
There are many exclusions on a home insurance policy. Some exclusions can't be added and are never really covered. However, there are also
6 min read
Named Peril vs Open Peril Insurance Coverage Explained
Understanding the difference between Named Peril and Open Peril insurance coverage may help homeowners better evaluate how their policy responds after unexpected losses or property damage. Learn how these two coverage structures work, explore real-world homeowners claim examples, and discover why policy exclusions, endorsements, and coverage wording may significantly affect claim outcomes beyond simply comparing insurance prices.
4 min read
Does Homeowners Insurance Cover Earthquake Damage in New Jersey?
A typical Homeowners insurance policy does not provide coverage for damage from an earthquake.
3 min read
What Is Ordinance or Law Coverage on Home Insurance?
Ordinance or Law Coverage helps cover additional rebuilding costs that may arise when a damaged home must be repaired or rebuilt to comply with current building codes after a covered loss. Learn why this coverage can be especially important for older homes, historic homes, and properties with outdated systems, and how code upgrades, demolition requirements, and reconstruction changes may significantly increase claim costs after major home damage.
4 min read
