Insurance

Insurance Fundamentals

Risk - A tutorial about risk and insurance.
Risks, Perils, And Hazards
Handling Risk
Insurance; Insurable Risks; Underwriting And Adverse Selection - A tutorial about the basics of insurance companies, underwriting and adverse selection, and what constitutes an insurable risk.
Legal Liability and Negligence
Law of Large Numbers - Using the Law of Large Numbers to determine underwriting risk and insurance premiums.
Indemnity - How property insurance pays for losses.
Insurable Interest - What constitutes an insurable interest, and when must it exist?
Subrogation
Utmost Good Faith—Representations, Concealments, And Warranties - Why honesty is the best policy in insurance.
Insurance Contracts
Standard Insurance Policies
Insurance Deductibles - The different types of deductibles and how they reduce insurance premiums.
Coinsurance - How coinsurance reduces health insurance premiums, and equalizes rates for property insurance.
Multiple Insurance Coverage: Pro Rata Liability, Contribution Of Equal Shares, And Primary And Excess Insurance - What determines how much each insurance policy pays when multiple policies cover the same loss.
Credit-Based Insurance Scores - How and why personal credit scores affect insurance rates.

Homeowners Insurance - An overview of the typical homeowners insurance policy, listing the major coverages and exclusions.
Types of Homeowners' Insurance Policies - Summarizes the basic coverage of different types of homeowner’s insurance policies—including insurance for renters and owners of condominiums and cooperatives—and how they differ.
Common Homeowners Insurance Policy Endorsements
The Cost Of Homeowners Insurance And How To Lower It - What factors influence the cost of homeowners insurance and how can you reduce premiums?
Real Estate Title Insurance - An introduction to real estate title insurance and other alternatives, including tips on how to save money when buying title insurance.