Home and auto
Homeowners and auto policies, and the clauses that cause surprises.
Homeowners and auto policies look alike from the outside and differ a great deal in the details. Most surprises sit in the same few places: what is excluded, how a loss is valued, and which limits apply to which part of the loss.
These pages take those clauses one at a time. Forms and required coverages vary by state and by insurer, so the policy in your hands is the document that counts.
From the catalog
Read alongside this shelf
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GDE 01
Reading a declarations page, field by field
What each part of a declarations page tells you, and why the page only makes sense next to the rest of the policy.
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CHK 02
Checklist for filing an insurance claim
The steps to take after a loss, what to keep as evidence and how to keep a clear record with your insurer.
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RUL 01
Policy Plain editorial standards
The rules we follow on sources, state differences, numbers, corrections and the limits of general information.
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CHK 01
Insurance renewal review checklist
What to compare between last year's policy and this year's, and which questions to put to your agent.
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DSK 01
Deductible break-even calculator
Enter two deductibles and their premiums to see the extra premium, the saving per claim and the break-even point.