Floods are an excluded peril in standard homeowners policies, so those in areas in danger of flooding should consider additional coverage.

Review the external factors affecting claims and ways to ease some of those pressures.

Although the judgment affects three insurers, only Lloyd's is required to pay for now. Baylor is appealing rulings involving the other companies.

According to AAA's research, owners of small sedans and electric vehicles spend the least to operate their cars.