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Tornado facts and safety
March 5, 2026

... seek shelter in the safest place possible. If you are at home The safest place to be is underground . Basements usually provide ... If your home is uninhabitable, your homeowners or renters insurance may cover Additional Living Expenses (ALE) such as ...


Media Advisory: Information Available On ¾«¶«Ó°Òµ Coverage for Baltimore Businesses, Property Owners Affected By Riots
January 20, 2026

... Homeowners policies pay to repair, or rebuild, an insured home if its structure is damaged or destroyed as the result of a riot or civil ... Statistics : Auto ¾«¶«Ó°Òµ Homeowners and Renters ¾«¶«Ó°Òµ   The I.I.I. has a full library of educational ...


Background on: Wildfires
January 16, 2026

... by fire and smoke are covered under standard homeowners, renters and business owners insurance policies and under the comprehensive ... to houses, a study by the ¾«¶«Ó°Òµ Institute for Business & Home Safety (IBHS) found. Among the preventive features recommended in ...


Which disasters are covered by homeowners insurance?
November 19, 2025

... Broad HO-2* Special HO-3* Special HO-3 Renters HO-4 Condo/Co-op HO-6 Modified Coverage HO-8 1. ... damage. It is your responsibility to maintain your home and take reasonable precautions to protect your home from damage. Your ...


¾«¶«Ó°Òµ for wildfires
November 16, 2025

... make sure to take appropriate measures to protect your home against these catastrophically destructive events. However, as it's ... Your belongings – A homeowners or renters policy also insures your belongings for loss or damage. In addition, ...


Understanding your insurance deductibles
November 13, 2025

... paying toward an insured loss. When a disaster strikes your home or you have a car accident, the deductible is subtracted, or "deducted," ... (or front) page of standard homeowners, condo owners, renters, and auto insurance policies. State insurance regulations strictly ...


Lightning coverage and safety
November 6, 2025

How to keep yourself, your home and your belongings safe from lightning Español Lightning and insurance Standard homeowners , renters, and business insurance  policies generally cover damage caused ... than to have to deal with the consequences. Protect your home by installing a lightning protection system A lightning protection ...


Wildfires: insurance and recovery resources
September 2, 2020

... And if you have evacuated, it might not be safe to go back home. The following articles provide information and guidance to keep you and ... by fire and smoke is covered under standard homeowners, renters and business owners insurance policies and under the optional ...


Media Advisory: Triple-I Statement on Recent Flooding in Texas Hill Country
July 10, 2025

... common misconception is that standard homeowners, condo and renters insurance covers flood damage. It generally does not. Flood ... FEMA’s Risk Rating 2.0 more accurately reflects each home’s unique flood risk through updated underwriting and pricing ...


Triple-I: Lightning Caused $1.04B in US Homeowners Claim Payouts in 2024; Frequency Drops 21.5% Year-Over-Year
June 20, 2025

... such as fire, is covered by standard homeowners, condo, renters and business insurance policies.  Some homeowners policies provide ... 100 times per second. “Whether it’s a family home or a mission-critical facility, no property is immune to lightning," said ...