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HO-5 insurance provides some of the broadest protection for your home.
Due to HO-5 policies having more stringent underwriting guidelines that not every homeowner will qualify for, it is ultimately an insurer’s call on whether an HO-5 policy is an option for you.
It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the ...
According to their policy, State Farm was obligated to pay up to $250,000 per person or $500,000 per occurrence, with a personal liability limit of $1 million. [69] State Farm refused to pay the awarded amounts of $100,000 for Charles Cook and $400,000 for Bernadette Cook when they pursued their claim.
State Farm California's largest property/casualty insurer, selling to one in every four homes, has announced that it will not renew some 72,000 policies when they expire.
While excess insurance similarly pays out after a primary policy’s limit is reached, key differences set it apart from umbrella insurance. Excess insurance typically operates as a "follow-form" policy, mirroring the coverage of the underlying policy and simply adding an additional limit stacked atop the primary one.
Between 2020 and 2022, insurers canceled 2.8 million home coverage policies in the state. ... State Farm canceled 72,000 policies in California, nearly half of which were for home insurance, ...
State Farm Fire & Casualty Co. v. United States ex rel. Rigsby State Farm Mutual Automobile Insurance Co. v. Campbell State Farm Research and Development Center