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Comprehensive is the most expensive type of homeowners insurance; it covers the most potential damages such as fire damage, water damage not caused by flooding (which would fall under your Flood Insurance policy), your personal possessions, personal liability, theft and vandalism.  It is usually required that you carry at least a basic hazard insurance policy.

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Please see the disclaimers below.

Excess Flood Insurance coverage may currently be available but only in the following states:  Alabama, Alaska, Arizona, California, Colorado, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Louisiana, Maine, Maryland, Michigan, Mississippi, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia, Washington.  In order to qualify for an Excess Flood Insurance Policy, you first need to purchase a National Flood Insurance Policy through Allstate.  Excess Flood Insurance is provided by one or more insurance carriers not owned by or affiliated with Allstate Insurance Company.  Excess Flood Insurance is subject to availability and qualifications.  Other terms, conditions and exclusions may apply.  Contact your local Allstate agent to find out whether Flood Insurance coverages are available in your area.

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Homeowners insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider Nationwide’s additional home insurance coverage options to tailor a policy that’s right for you.

Learn more about additional home insurance coverage

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Gary Puffpaff was irritated when he got a letter from Allstate Insurance informing him his homeowners’ policy wouldn’t be renewed because he had his auto insurance with another company.

Not only did Puffpaff question whether the insurer’s action was legal - which, it turns out, it is - but he also was upset because Allstate canceled his auto policies a half-dozen years ago after he filed three large claims.

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FRANKFURT -(MarketWatch)- Allianz SE will restructure its German property insurance operations, involving job cuts and the launch of new products, to meet its long-term growth targets, the chief executive of Allianz Germany, Markus Riess, tells Handelsblatt in an interview published Wednesday.

“We are losing market share and profitability is neither where it used to be, nor where we want it to be,” Riess is reported as saying, adding that the division must finally swing to profitable growth.

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You know you need auto, homeowners and probably renter’s insurance coverage. But, do you really know what kind of coverage your policies offer? The chances are, unless you are well-versed in the ins and outs of insurance, there are a few types of insurance you didn’t think you needed, when in fact, you might. Here are a few of the most-needed and least understood insurance types.

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A Citizens Property Insurance panel approved 30 recommendations Wednesday to help the state-backed insurer downsize and lower its financial risk to Floridians.

The changes will be discussed at a Cabinet meeting on Tuesday. Many would reduce Citizens’ financial risk to Floridians by millions of dollars without changing any laws. Some would effectively allow Citizens to shed policies and raise premiums.

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Unless a sudden tropical storm quickly swirls into life in the Gulf of Mexico, Caribbean Sea or Atlantic Ocean, Florida — with its growing dependence on Citizens Property Insurance — has survived another hurricane season.

The hurricane season ends today. Mark 2011 as the sixth consecutive year Florida has avoided a direct hit from a named storm.

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Preview of Property Insurance Issues for the January Legislative Session

By Fred E. Karlinsky, Esq. , Katherine Scott Webb , Richard J. Fidei, Esq.

From the December 2011 issue of Florida Underwriter

Given the comprehensive nature of residential property insurance reform in SB 408, which passed during the 2011 legislative session, expect Florida’s 2012 session to be a much quieter year in terms of property insurance. Both the House and Senate seem inclined to give the reforms passed in 2011 a chance to work. The exceptions to this approach could be legislation relating to Citizens Property Insurance Corp. and possible changes to the Florida Hurricane Catastrophe Fund (Cat Fund). Further, legislation allowing surplus lines insurers to take out Citizens’ policies has been filed.

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LAS CRUCES - Every day, more than 48,000 vehicles pass through the city’s busiest intersection at Lohman Avenue and Telshor Boulevard, but you’re more likely to get into a car crash at the intersection of El Paseo Road and Idaho Avenue, which sees a third fewer cars.

In an examination of city traffic statistics from the past three years, the Sun-News has uncovered the crash patterns as played out on city streets.

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