One of the most standard things in a Homeowners policy is the definition of residence premises. It is the foundation for the property being insured, and at first look seems straightforward.

Consumers and drivers may not be aware of the insurance issues involved in ride-sharing and may find themselves with no coverage on Oct. 1, 2015, if an accident occurs.

Finally the weather has warmed up, the grass is green, and coats are in the closet. It's been a difficult winter for a large part of the country with unusually cold temperatures and plenty of snow.

Water back-up is one of the more confusing coverages in homeowners policy. So what is a back-up, and how is it different from an overflow or a discharge?

Condo policies can be confusing, and both the unit owner and association must adhere to statutes that dictate where coverage is found for certain parts of the building.

Condominium policies can be confusing, and both unit owner and association must adhere to statutes that dictate where coverage is found for certain parts of the building.

A family's shed is destroyed by a river of mud. Is it covered? Test your knowledge of water exclusions before hurricane season begins.

Insuring a diamond ring? Better get an appraisal first to determine whether the stones are mined or lab-created.