What coverage is there for my in-home business and office equipment?

With the Homeowners, Condominium, Renter and Mobilehome policies, equipment for business use is covered to the policy limit of $2,500. With the Premier Homeowners or Premier Condominium policies, the equipment is covered to the policy limit of $5,000. With all policies, any equipment used away from the home for business purposes has a policy limit of $1000. The policies' liability coverage doesn't include business exposure. You can add endorsements to the basic policy or purchase a business owner's policy to get coverage for the equipment and liability.

A tree in our yard falls on the neighbor's house. Will my Homeowners Policy cover it?

You and your neighbor should both file a claim with your own insurers. The policy's liability section will provide coverage if you've been negligent in taking care of the tree and that negligence contributed to the tree falling.

What if my neighbor's tree falls on my house?

The policy will provide coverage for the damage to your home. Debris-removal coverage also will be available, up to $2,000, since the tree damaged a covered structure.

Does my Liability and Medical Payments coverage apply only at my residence?

The Liability and Medical Payments coverage protects you anywhere in the world. For example, if you're skiing in Colorado and you crash into someone, break his or her leg, and are found legally liable, your Liability and Medical Payments coverage will extend to protect you.

Will I be covered if my pipes freeze?

The policy does provide coverage for damage from freezing pipes. If, however, the home is vacant, unoccupied, or under construction, there’s only coverage if you’ve taken care to heat the home or shut off the water and drain the system.