Straight reporting on money, work and home.
Part
A composite case shows how one question about a gemstone report separates an appraisal written for insurance from a price written for a sale.
Personal Finance·Osman Duraklar
Lab-grown stones, treated gems and lower-karat gold all changed how jewelry has to be described, and the questions that protect a buyer changed with them.
Personal Finance·Harriet Bosworth
An exclusion is rarely a refusal to pay; it is a handover to another policy, program or market, and the receiving party changes from state to state.
Personal Finance·Neville Pemberton
A landlord policy on a small duplex is where the averaging clause bites hardest, and the paperwork that defuses it costs less than most owners expect.
Personal Finance·Harriet Bosworth
Coinsurance penalties do their real damage on partial losses, not total ones, and five checks on the declarations page will tell you whether yours is set to bite.
Personal Finance·Osman Duraklar
An exclusion is a pricing decision written into your policy, and the way it is drafted decides how much of an ordinary household loss survives it.
Personal Finance·Harriet Bosworth
A partial fire loss at a small bakery shows where the coinsurance clause came from, how the arithmetic works, and the endorsements that clear it before a claim.
Personal Finance·Harriet Bosworth
An appraisal does not expire on its face, but insurers stop relying on old ones. Here is what changes between December and the renewal that follows.
Personal Finance·Osman Duraklar
A scheduled ring, an appraisal left untouched for seven years, and the handover between appraiser, agent and underwriter that decides what a valuables claim is worth.
Personal Finance·Neville Pemberton
A personal lines broker on scheduled jewelry: why appraisals go stale, what paperwork holds up at claim time, and the vendor at the far end who settles what you actually get back.
Personal Finance·Harriet Bosworth