Insights & News

Imagine you’re in a high-stakes legal battle, but the person you’re up against is also the person who gets to decide the final verdict. Sounds unfair? That is exactly the dynamic many are pushing for in the world of property insurance.

We often think of property insurance as a safety net that’s always there. You pay your premiums, you’re protected—right?

With construction costs soaring, many property owners are sitting on a dangerous secret: their insurance might be leaving them severely underinsured.

If you’ve ever spotted DIC Insurance in a stack of paperwork, you might have chuckled. It stands for Difference in Conditions, proving that actuaries—the math wizards of the world—actually have a sense of humor.

When you hear the term "Inland Marine Insurance," what comes to mind?

Most homeowners know their policy covers issues inside the house. But what about the crucial, expensive liability outside?

The claims process in first-party insurance has shifted dramatically, and not entirely for the better. I want to reflect on the move from collaboration to confrontation, and the rising costs associated with it.

Does Anyone Even Know What Coinsurance Is?

The Expensive Gamble

Before renewing your homeowners policy, run through this essential checklist to uncover coverage gaps that could cost you six figures after a loss.

Actual Cash Value vs. Replacement Cost Value can determine whether your insurance payout replaces what you lost—or leaves you paying out of pocket. Here’s what to know.

HO3 policies are common—but HO5 policies offer broader protection. Learn the key differences and why upgrading could prevent costly claim denials.

Those small codes at the bottom of your insurance policy aren’t random. Learn how forms like HO3 and HO5 reveal what’s covered, what’s excluded, and how your policy was written.

Insurance policies can define “vacant” in wildly different ways. Learn why occupancy, maintenance, and construction status can make—or break—your claim.

A slow leak can trigger a fast claim denial. Learn how the seepage exclusion works, why insurers rely on it, and what you should do now to protect yourself.