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Understanding your insurance deductibles
March 3, 2025

... paying toward an insured loss. When a disaster strikes your home or you have a car accident, the deductible is subtracted, or "deducted," ... (or front) page of standard homeowners, condo owners, renters, and auto insurance policies. State insurance regulations strictly ...


Facts + Statistics: Homeowners and renters insurance
February 7, 2025

... Commissioners , the latest data available. The average renters insurance premium fell by 1.7 percent in 2021 marking the seventh consecutive annual decline. Home inventories According to a 2023 Triple-I/Munich Re Consumer Survey ...


Background on: Earthquake insurance and risk
February 28, 2025

... of an endorsement or as a separate policy for homeowners, renters and small business owners. Unlike flood insurance, earthquake ... due to burst gas and water pipes, is provided by standard home and business insurance policies in most states. Cars and other vehicles ...


Wildfires: insurance and recovery resources
September 2, 2020

... And if you have evacuated, it might not be safe to go back home. The following articles provide information and guidance to keep you and ... by fire and smoke is covered under standard homeowners, renters and business owners insurance policies and under the optional ...


Background on: Wildfires
January 23, 2025

... by fire and smoke are covered under standard homeowners, renters and business owners insurance policies and under the comprehensive ... to houses, a study by the Insurance Institute for Business & Home Safety (IBHS) found. Among the preventive features recommended in ...


Triple-I Media Advisory: California Property Insurers Helping Customers Recover from Devastating L.A. Wildfires
January 9, 2025

... policies most Californians have: Homeowners, Condo and Renters Policies Cover Fire and Smoke-Caused Damage Damage caused by fire ... insurance policy covers wildfire-caused property damage to a home’s structure and its outbuildings (e.g., garage) as well as the personal ...


Triple-I: Mitigation Reduces Winter Weather Risks for Homes, Vehicles
December 18, 2024

... and frigid temperatures should be a priority for homeowners, renters and drivers throughout much of the U.S., according to the Insurance ... offers the following guidance:   Inside Your Home Keep your home heated to a minimum of 65 degrees. This will help ...


Triple-I Offers Preparedness Tips for Floridians as Major Hurricane Milton Approaches State
October 7, 2024

... of medications for everyone in your household Create a home inventory and make sure you can access it remotely if you need to ... property damage is covered under standard homeowners , renters and business insurance policies. Renters’ insurance covers a ...


Triple-I Offers Preparedness Tips for Impacts of Hurricane Helene
September 24, 2024

... property damage is covered under standard homeowners , renters and business insurance policies. Renters’ insurance covers a ... landlord insures the structure.  Property damage to a home, a renter’s possessions, and a business – resulting from a flood – ...


Settling insurance claims after a disaster
September 17, 2024

... If you need to find other accommodations while your home is being repaired, keep records of your expenses. Homeowners insurance ... Flood damage is excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available as a separate ...