Property Insurance is insurance on real property for protection against most risks, hazards, and perils, such as fire, theft, and some storm and weather damage. Property insurance can also include specialized forms of insurance such as flood and earthquake insurance. Property is generally insured in the manner of open perils, which covers all causes of loss not specifically excluded in a policy, or named perils, which covers only causes of loss listed in a policy. Property can be valued through loss of use, replacement value, and market value methods. Commercial property insurance is often bundled with liability insurance, which protects your business assets if the business is sued for bodily injury or property damage.

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Property Insurance Articles

-   Property Insurance and Your Small Business -   Insurance Coverage for Loss of Use of Your Home

-   Homeowner's and Renter's Insurance: When is a Case Closed? -   Insurance Coverage and Losses from Natural Phenomena

-   Homeowner's and Renter's Insurance: Making Repairs and Your Homeowners Insurance Claim -   Insurance Coverage for Personal Property

-   My Insurance Company Went Bankrupt - Now What? -   Insurance Coverage for Property Damage

-   Homeowner's and Renter's Insurance: Can I Recover Money for Pain and Suffering? -   Insurance Coverage and Exclusions for Earth Movement

-   Disagreeing with an Adjuster on a Property Insurance Claim -   Missing a Payment on Your Insurance Policy

-   Insurance Coverage and Exclusions for Named Perils -   Insurance Coverage and Exclusions Under Anti-Concurrent Clauses

-   Dealing With Insurance Companies -   Insuring Your Home

-   Insurance Policy Lapses -   Insurance Coverage and Exclusions for Faulty Workmanship

-   Insurance Coverage and Replacement Costs -   Homeowner's and Renter's Insurance: Deductibles

-   Hiring A Contractor -   What is FEMA?

-   Home Repair Scams -   Filing a Natural Disaster Insurance Claim

-   Retiring and Health, Life & Homeowners Insurance -   What is My Homeowner's or Renter's Insurance Claim Worth?

-   Insurance Coverage and Actual Cash Value -   Homeowner's and Renter's Insurance: Is It Too Late to File a Claim?

Property Insurance FAQs

-   Class Action FAQ -   Homeowner's Insurance FAQ

-   Insurance: Bad Faith Claims FAQs

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Ask a Lawyer - Insurance Law questions answered by leading lawyers Is An Insurer Entitled To A "Totaled" Vehicle? My minivan was considered totaled by my insurance company after a traffic accident. The minivan was also considered totaled by other driver's insurance company. Can the other driver's insurance company take my vehicle without my authorization or without notifying me? Am I Able To Sue My Car Insurance Company For Discrimination? Am I able to sue my car insurance company for sexist behavior? I am referring to the rates of insurance for teenage boys as opposed to those of teenage girls. The rate for teenage boys is significatly higher than that for teenage girls. When Is An Insurance Policy Considered Cancelled? If someone cancelled a life insurance policy, but died before the notice reached the main office would the policy be considered cancelled? Would the rider of this account (the executor) have any legal right to the money? Am I Able To Use A Different Address When Obtaining Auto Insurance? Can one use a relative's address in another city when obtaining auto insurance? Do I Have A Case Against The Car Dealer's Insurance Company? A dealer loaner car parked under our carport caught fire, exploded and burned our house down. The car dealer's liability insurance company has accepted responsibility. We are underinsured on our homeowner's policy. The car dealer's insurance company is refusing to compensate us for the replacement value of our loss and our homeowner's policy doesn't cover everything. Do we have a case against the dealer's insurance company with regard to rebuilding our home to its former condition and replacing our personal property that was destroyed? Also, I lost three beloved pets in the incident and am heartbroken. Due to the loss of my home and the loss of my pets I am suffering from a tremendous amount of stress and anxiety. Is it too much to ask that my possessions and home be replaced and that a donation be made to a local animal shelter in the memory of my pets?