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What Your Insurance Won't Tell You About Additional Living Expenses

By David Miller | 19 Nov 2015

It is expensive to relocate your family while you're rebuilding your damaged home. You’ll incur hotel expenses, meals out and more. Fortunately, your Homeowners policy covers those extra expenses under "Coverage D - Loss of Use - Additional Living Expenses.” Your property insurance adjuster should explain this coverage, but he’s not likely to go into detail about some of the benefits to which you are entitled.

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5 Unusual Items You Didn't Know Your Home Insurance Policy Covered

By David Miller | 18 Nov 2015

Your home insurance policy is written using simplified language, but policies still seem downright tricky at times. Unless you’ve spent a sizeable chunk of your leisure time sifting through your policy's agreements, definitions, and exclusions, you might not realize that these five items are actually covered.

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Replacement Cost Value(RCV) VS. Actual Cash Value(ACV)

By David Miller | 10 Jul 2013

When it comes to understanding insurance coverage there are numerous terms and language that most policyholders are unfamiliar with. These include Indemnity, Actual Cash Value (ACV), Replacement Cost Value (RCV) and Depreciation.

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Top Mistakes Made After a Loss

By David Miller | 08 Jul 2013

When your family or business encounters an unfortunate loss of any kind, it is important to avoid these mistakes to ensure a smooth and successful claim settlement.

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