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What Is Recoverable Depreciation On An Insurance Claim?
Many homeowners see the words “recoverable depreciation” on a claim statement and are not sure what they mean. The short ... Read more
Plain-English insurance guides
Understand your insurance before you need it.
Straightforward explanations of premiums, deductibles, coverage types, and claims for auto, home, health, and life insurance.
Choose a topic
Start with the type of coverage you have or are shopping for.
A
Auto insurance
Liability, collision, comprehensive, and the add-ons that matter after an accident.
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H
Home insurance
Dwelling, liability, and natural-disaster coverage explained for homeowners.
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Health insurance
Individual, family floater, senior, group, and critical illness plans compared.
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L
Life insurance
Term, whole, and endowment policies, and how they fit into a long-term plan.
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Latest from the blog
Practical articles on claims, coverage, and getting the right policy.
Auto
How Long Do You Have To Make Repairs After Insurance Claim?
After an accident, most people want to know one thing: when will my car be fixed? The honest answer depends ... Read more
Home
How Long Does A Home Insurance Claim Take?
How Long Does A Home Insurance Claim Take? We all know the importance of our property, so we have adopted ... Read more
How insurance works
Three parts of every policy, in plain language.
1
Premium
The amount you pay to keep coverage active. Age, coverage type, and history all affect it.
2
Deductible
What you pay out of pocket before the insurer covers the rest of a covered loss.
3
Policy limits
The most the insurer will pay, and the exclusions that apply to a claim.
Common questions
Quick answers before you call your provider.
What is a deductible?
The amount you pay toward a covered claim before your insurer pays the rest. A higher deductible usually lowers your premium.
What is the difference between liability and collision coverage?
Liability pays for injury or damage you cause to others. Collision pays for damage to your own vehicle after a crash.
Can my insurer refuse a claim?
Yes, if the loss falls under an exclusion or the policy conditions were not met. Review your policy and ask the insurer for the specific reason in writing.
Compare coverage with confidence
Get in touch and we will help you understand your options.