General Insurance

Do I need new car insurance after separation with jointly titled vehicles?

Any vehicle that is parked and garaged at your address needs to be insured for that location. Car insurance companies use your address and zip code as a risk factor.

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Homeowners Insurance

Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?

The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full time in the house for which the policy applies.
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