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Property Insurance
Choosing an insurance policy is a dry and difficult task, but here we demystify the types of coverage so that you can make the best decision. We'll help you figure out the premiums, deductibles and benefits that are right for you. Renter's insurance and homeowner's insurance are explored, as are "umbrella insurance" policies and commercial property insurance. You'll learn about replacement cost versus cash value, how to file a claim, how to handle an insurance dispute or lawsuit, and what to do in case a fire, flood, earthquake or theft affects your property.

Questions Answered by our Experts

Sam Friedman
Sam Friedman-Editor-in-Chief, National Underwriter, Property & Casualty Edition
Meet the Expert 
Property And Casualty Insurance Basics 
  1. Sam Friedman
  2. What is "casualty insurance"? 
  3. What is "property insurance"? 
  4. Do I need insurance? 
  5. How much insurance do I need? 
  6. How do I get insurance? 
  7. What are the pros and cons of buying insurance directly from an insurance company? 
  8. What's the difference between a "captive" and an "independent" insurance agent? 
  9. What's the difference between an "insurance agent" and an "insurance broker"? 
  10. What are the advantages and disadvantages of buying insurance through an agent? 
  11. What should I consider when choosing an insurance broker or agent? 
  12. What kind of support can I expect from my insurance broker or agent? 
  13. Who oversees or governs insurance brokers and agents? 
  14. How does an insurance broker or agent get paid? 
  15. Is price all that matters when I'm buying insurance? 
  16. Will there be a penalty if I cancel my insurance policy? 
Property And Casualty Insurance Terminology 
  1. Sam Friedman
  2. What is an "insurance premium payment"? 
  3. What is an "insurance deductible"? 
  4. What is an "insurance claim"? 
  5. What is an "insurance adjuster"? 
  6. What is "insurance coverage"? 
Homeowner's Insurance 
  1. Sam Friedman
  2. What is "homeowner's insurance"? 
  3. Do I need homeowner's insurance? 
  4. What does homeowner's insurance cover? 
  5. Am I required to have homeowner's insurance? 
  6. How do I get homeowner's insurance? 
  7. How do I determine how much homeowner's insurance I need? 
  8. Should I insure my personal possessions? 
  9. What's the difference between home, property and liability insurance? 
  10. What does home insurance property protection cover? 
Renter's Insurance 
  1. Sam Friedman
  2. What is "renter's insurance"? 
  3. How do I determine how much renter's insurance I need? 
  4. What kind of documentation should I, as a renter, keep? 
Personal Property Insurance 
  1. Sam Friedman
  2. What is "personal property insurance"? 
  3. Do I need personal property insurance? 
  4. How do I get personal property insurance? 
  5. How do I determine how much personal property insurance I need? 
  6. Do I need personal property insurance if I already have homeowner's or renter's insurance? 
  7. What happens if my property is damaged or stolen while I'm on vacation? 
  8. What kind of documentation will I need to make a personal property insurance claim? 
  9. What do I do if my personal property insurance claim is denied? 

Popular Questions

  • Do I need insurance?
  • How much insurance do I need?
  • What is an "insurance claim"?
  • What does homeowner's insurance cover?
  • Am I required to have homeowner's insurance?
  • What does home insurance property protection cover?
  • What is "renter's insurance"?
  • Do I need personal property insurance?
  • What happens if my property is damaged or stolen while I'm on vacation?
  • Do I need umbrella insurance?
  • If I have a dog, can I get homeowner's insurance?
  • If I am turned down for homeowner's insurance, what can I do?
  • Why won't my insurance company pay for damage caused by a flood?
  • Why won't my insurance company pay for vermin damage or extermination?
  • Will my homeowner's insurance cover losses due to theft?
  • Why do I hear so much about insurance and mold?
  • What's the difference between "replacement cost" and "actual cash value"?
Umbrella Insurance 
  1. Sam Friedman
  2. What is "umbrella insurance"? 
  3. Do I need umbrella insurance? 
  4. What does umbrella insurance cover? 
  5. How do I determine how much umbrella insurance I need? 
  6. How do I get umbrella insurance? 
  7. How do I make a claim under my umbrella insurance policy? 
  8. What kind of documentation do I need to make a claim on my umbrella insurance policy? 
  9. What do I do if my umbrella insurance policy claim is denied? 
What Homeowner's Insurance Covers 
  1. Sam Friedman
  2. Does my homeowner's insurance cover me for identity theft? 
  3. What items are not covered, or may have limited coverage, under my homeowner's insurance policy? 
  4. What kind of insurance do I need if I live in a condo instead of a house? 
  5. If I work at home or telecommute, do I need special insurance coverage? 
  6. What is "private mortgage insurance" or "PMI"? 
  7. If I have a dog, can I get homeowner's insurance? 
  8. If I have mold in my house, can I get homeowner's insurance? 
  9. If I am turned down for homeowner's insurance, what can I do? 
Homeowner's Insurance Claims 
  1. Sam Friedman
  2. How do I file a homeowner's insurance policy claim? 
  3. What kind of documentation will I need to file a homeowner's insurance claim? 
  4. What if my insurance company refuses to pay my claim? 
  5. Why won't my insurance company pay for damage caused by a flood? 
  6. Why won't my insurance company pay for seepage and dry rot? 
  7. Why won't my insurance company pay for vermin damage or extermination? 
Personal Property 
  1. Sam Friedman
  2. What are "insurance policy endorsements"? 
  3. What are some examples of insurance policy endorsements? 
  4. What does "scheduled personal property" mean? 
  5. Will my homeowner's insurance cover losses due to theft? 
  6. Will my homeowner's insurance cover injuries sustained by guests in my house? 
  7. Will my homeowner's insurance cover a dog bite? 
  8. Will my homeowner's insurance cover my property when I travel? 
  9. Why do I hear so much about insurance and mold? 
  10. What's the difference between "replacement cost" and "actual cash value"? 
  11. Why won't my insurance company renew my policy? 
  12. What does "loss of use" coverage mean? 

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