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Coverage & Costs

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Actual Cash Value vs. Replacement Cost: Which Coverage Pays More After a Loss
Coverage & Costs · Featured

Actual Cash Value vs. Replacement Cost: Which Coverage Pays More After a Loss

By Articles Haven Editorial Contributor · 6 min read
Coverage & Costs Agreed Value vs. Stated Value Coverage in Specialty Insurance

Agreed Value vs. Stated Value Coverage in Specialty Insurance

For vehicles, art, or collectibles, agreed value and stated value policies pay out very differently. Here's what sets th…

Articles Haven Editorial Contributor · 6 min
Coverage & Costs Common Myths About What Homeowners Insurance Covers

Common Myths About What Homeowners Insurance Covers

Many homeowners assume their policy covers more than it does. This article corrects the most widespread misconceptions w…

Articles Haven Editorial Contributor · 6 min
Coverage & Costs Comprehensive vs. Collision Auto Coverage: Picking the Right Protection for Your Car

Comprehensive vs. Collision Auto Coverage: Picking the Right Protection for Your Car

Both cover vehicle damage, but under very different circumstances. Learn what each pays for and when carrying both makes…

Articles Haven Editorial Contributor · 6 min
Coverage & Costs Coordination of Benefits: How Two Insurance Plans Split the Bill

Coordination of Benefits: How Two Insurance Plans Split the Bill

When two policies cover the same person, coordination of benefits rules determine who pays what. Here's how the process …

Articles Haven Editorial Contributor · 7 min
Coverage & Costs Coverage Limits Explained: Per-Occurrence, Aggregate, and Sub-Limits

Coverage Limits Explained: Per-Occurrence, Aggregate, and Sub-Limits

Coverage limits cap what an insurer will pay. Learn the difference between per-occurrence, aggregate, and sub-limits bef…

Articles Haven Editorial Contributor · 8 min
Coverage & Costs Coverage Stacking in Auto Insurance: What It Is and When It Applies

Coverage Stacking in Auto Insurance: What It Is and When It Applies

Stacking allows you to combine coverage limits across multiple vehicles or policies. Learn how it works, where it's perm…

Articles Haven Editorial Contributor · 7 min
Coverage & Costs Deductible vs. Out-of-Pocket Maximum: Two Numbers That Determine Your Real Costs

Deductible vs. Out-of-Pocket Maximum: Two Numbers That Determine Your Real Costs

These two figures look similar but work very differently. Here's how to read them together when evaluating any insurance…

Articles Haven Editorial Contributor · 6 min
Coverage & Costs Dwelling Coverage vs. Personal Property Coverage in Homeowners Insurance

Dwelling Coverage vs. Personal Property Coverage in Homeowners Insurance

Your home and its contents are covered separately under most policies. Here's what each coverage type protects and where…

Articles Haven Editorial Contributor · 6 min
Coverage & Costs Flood and Earthquake Coverage: Why Standard Policies Leave Them Out

Flood and Earthquake Coverage: Why Standard Policies Leave Them Out

Floods and earthquakes cause enormous losses, yet most standard home policies exclude them. Learn why and what separate …

Articles Haven Editorial Contributor · 9 min

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