Missouri

Loss of use clauses in renters policies typically cover up to $1,000. It is best to contact your renters insurance company to see how much they cover for loss of use as specified in your policy.

Your comprehensive claim will show up on your reports for auto insurance even if it was done for a motorcycle. The good news is if this is your first comp claim, it's considered not-at-fault, and most companies will not adjust your rates.

You cannot "transfer" insurance coverage. While you can try adding your mom's car to your insurance policy (your insurance likely won't question you adding a vehicle, and assume it's yours) in the event of an accident, there could be complications as to how the payout would be handled.

Previous claims can affect your ability to get homeowners insurance. Particularly, it will affect your rates.

Thanks for your question. In general, insurance proceeds are not taxed.

Yes, we are able to start a policy with an insurance carrier for you right away. Coverage would take effect immediately.

I'm sorry to hear your husband has passed. Every company is different when it comes to their process when a spouse passes away.

Subrogation occurs when an insurer pays an insured for a loss caused by a third party. The insurance company is then “subrogated” – or steps into the shoes of the insured – to sue that third party for the loss suffered by the insured.

One example of an HO2 claim that would not be covered under an HO-2 would be any water damage relating to water backup, foundation, or slow leaks. As you mentioned, the HO-2 is a named peril policy.

There are a few things to consider. First, whether you file a claim or not, most insurance companies require you to report every accident.