| Introduction: Insurance is Difficult |
 | | Insurance Has Become a Self-Service Market, A Primer on Coverage Disputes, What One Policy Excluded, Key Points to Remember, Ambiguity Equals Coverage, Some Extreme Circumstances, Relevant Policy Language, The Policy Read as a Whole, Elements in this Book |
| | | Chapter 1: Homeowners Insurance |
| | Types of Homeowners Insurance, How a Policy Defines "Insured," What Qualifies as a Covered Event, Why Certain Property Isn't Covered, Living Expenses, Ordinary or Expected Conditions, Exclusions, Your Duties After a Loss, How the Policy Values Settlements, Actual Cash Value, How Claims Are Investigated, How the Policy Handles Liability Issues, Liability Exclusions, Reasonable Expectation, Cancellation |
| | | Chapter 2: Dwelling and Personal Property Insurance |
| | How a Policy Defines "Coverage," An Insured Dwelling Has to Be Occupied, Limits of Coverage for Other Structures, How a Dwelling Policy Covers Property, Exclusions, Fair Rental Value, Liability Limits, Who Defines "Reasonable." Vacancy or Non-Occupancy, Specific Perils Insured Against, Vandalism and Burglary, Neglect, Intentional Loss, Insurable Interest, How to Calculate Replacement Cost |
| | | Chapter 3: Theft Coverage Endorsements |
| | Technical Definitions of Theft, No Coverage for Vandalism or Mischief, Coverage and Liability Limits, Multiple Residences and Off-Premises Coverage, Moving Your Things from Place to Place, Filling Out the Proper Forms, Exclusions, No Coverage for Pets, Other Insurance Applies First, A Complicated Case of Multiple Thefts and Insureds, Catch-All Conditions |
| | | Chapter 4: Personal Auto Policy |
| | Regulating Auto Coverage, Terms and Definitions, Who's Covered by the Policy, Negligent Entrustment, Liability Coverage, Liability Exclusions, Reasonable Belief, Coverage When You Travel, Medical Payments Coverage, Stacking Medical Claims, Uninsured Motorist Coverage, Collision and Comprehensive Coverages, Electronic Equipment, How Disputes Are Resolved, Subrogation, Termination |
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