Comprehensive coverage helps pay to repair or replace your vehicle if it's stolen or damaged by things like hail, animal damage or vandalism. Comprehensive and collision coverage each have deductibles and limits. A deductible is the amount you pay out of pocket toward a covered claim. A limit...
Some homeowners have a more limited type of hazard insurance that covers their house on a "named perils" basis. These policies cover your home's structure only for specific listed events such as: Fire or lightning. Windstorm or hail. Theft. Smoke. Vandalism. Sudden damage from a power surge...
Insurance policies cover repairs, restoration and replacement costs for items damaged due to events, including, but not limited to, fires, wind, including named storms, vandalism or smoke. Here’s a look at some key items covered by most policies: Your home's foundation, walls, roof and ...
Location is one of the primary factors affecting your car insurance rates. Average premiums vary dramatically by state because each state has different regulations. Rates also vary significantly by ZIP code and neighborhood. For instance, rural drivers pay less than those in cities, where vandalism,...
Commercial property owners, homeowners, and renters purchase property insurance, which typically includes vandalism and malicious mischief as acovered peril, to protect their investments and personal belongings. This type of insurance is not required by law, but it may be required by a lender, associ...
Hail, fire, theft, vandalism—basically any damage that isn’t caused by a collision—falls under yourcomprehensive coverage. If you think these events are unlikely to happen, you can pick a higher comprehensive deductible and pay lower insurance premiums. Or you can skip comprehensive coverage al...
such as vandalism or a fallen tree. For many individuals with relatively sizeable savings and investments, consider getting more than the basic. Accidents can and will happen. If your insurance isn't enough cover the cost, you'll have to come out of pocket. You may also want to consider ...
Comprehensive:Often called “other-than-collision,” this section of your policy covers damage to your vehicle caused by a wide array of situations, including theft, vandalism, storm damage and animal damage. These are the basic coverage types included in a full coverage auto policy. It’s impo...
personal property insurance protects belongings within your home, as well as those you take with you outside the home, against perils such as theft, fire, vandalism, and natural disasters. Understanding the scope of personal property insurance is essential for accurately assessing the protection it ...
Comprehensive coverageprovides financial protection against damage to your vehicle caused by an incident other than a collision. This includes theft, fire, flood, vandalism, hail, falling rocks or trees and other hazards, such as hitting an animal. A comprehensive deductible is the amount you agree...