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    • Types of Insurance
    • Homeowners
    • Types of Coverage
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    • HO-3 Plocy
    • Understanding Your Policy
    • Policy Language
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    • Choosing Your Coverages
    • What Is & Isn't Covered?
    • Common Policy Exclusions
    • Appliances
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    • Costs & Comparisons
    • Choosing a Provider
    • Cost of Insurance
    • How Cost is Calculated
    • Switching Providers
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    • Types of Claims
    • Water
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    • Other Types of Claims
    • Filing a Claim
    • How to File a Claim
    • Documenting Damage
    • The Claim Process
    • How Long Do Claims Take?
    • Assignment of Benefits
    • Denied & Underpaid Claims
    • Denied Claims
    • Appealing a Claim Decision
    • How to Avoid Denied Claims
    • Negotiating with Insurance Company
    • Appealing a Denied Claim
    • Professional help
    • Public Insurance Adjusters
    • When to Hire a Public Adjuster
    • How to Choose a Public Adjuster
    • Homeowners Insurance Lawyers
    • When to Hire a Homeowners Insurance Lawyer
    • How to Choose a Homeowners Insurance Lawyer
    • Hiring a Contractor for Repairs
  • About Us

Navigate insurance policies, coverages, and claims with confidence.

We offer comprehensive guidance, tools and resources to help consumers understand and navigate the complex world of insurance – from policy shopping to filing and appealing claims, and more.

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We are an unbiased, independent organization on a mission to make insurance as fair and transparent as possible for consumers.

Why we exist

We believe consumers are entitled to clearer information and unbiased help navigating policies, claims and repairs. We aim to combine information from industry experts, cutting-edge technology, and third-party service providers to empower consumers when dealing with insurance issues.

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Property Insurance Basics

Discover the fundamentals of property insurance. Learn how to safeguard your valuable assets and understand the different types of protection available to you.

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Coverage & Exclusions

Uncover the details about typical insurance coverage. Find out what's included, what's not, and how to make the most of your policy.

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Filing and Appealing a Claim

Navigate the claims process with ease. From filing initial claims to appealing denied ones, we'll guide you through every step.

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Professional Help With a Claim

Get expert support when you need it most. Learn how professionals can assist you in maximizing your insurance claim and ensuring you receive fair compensation.

Common Insurance Concerns

Browse the most common challenges that policyholders face when dealing with insurance companies and learn how to overcome these hurdles and ensure your rights are protected.

  • Denied claims and how to avoid them
  • What is and isn't covered with homeowners insurance
  • Submitting a claim: Dos and don’ts
  • How to document property damage for your claim
  • Top reasons your claim can be denied
  • Ambiguous policy language explained
  • When should I use a public adjuster?
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