In the car insurance industry, “standard” refers to one of several risk-rating categories. Car insurance companies rate policies based on risk and generally categorize drivers as nonstandard (also ...

Discover how all-risks insurance covers incidents not specifically excluded in policies, offering broader protection than named peril plans. Learn how it works and its exclusions.

Discover how named perils insurance coverage protects your property against specific hazards or events and when to consider it over comprehensive policies.

Picture this: You're delivering meals through DoorDash when you accidentally sideswipe another car. You later discover your insurance claim is denied — all because you unknowingly used your personal ...