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Special Coverage
Browse 8 in-depth Special Coverage guides from Home Insurance Clear. Our editorial team researches and writes each one to give you clear, practical answers, current as of July 2026. The newest are shown first.
FAIR Plan Insurance: Your Last Resort Home Coverage Option
Most homeowners have never heard of a FAIR plan until the moment they desperately need one. By then, …
Wildfire Risk: How To Protect Your Home Insurance
Most people assume their home insurance policy will cover a wildfire. After all, fire is fire, right? I spent …
Does Your Homeowners Policy Cover Hurricane Damage?
Most homeowners in hurricane-prone states think they have hurricane coverage. They don’t. What they have …
Does Your Homeowners Policy Cover Sewer Backup?
Your standard homeowner’s policy doesn’t cover sewer backup. Not as a default. Not buried in the …
Does Your Homeowners Policy Cover Identity Theft?
Picture this: you get a call from a collections agency about a $14,000 medical debt you’ve never heard …
Does Your Home Insurance Cover Earthquake Damage?
Your house just survived a 5.8-magnitude earthquake. The walls are standing, but a load-bearing chimney has …
When Your Homeowners Policy Isn't Enough: Umbrella Coverage Explained
Your neighbor’s kid breaks his arm on your backyard trampoline. The family sues. Your homeowner’s …
Does Your Home Insurance Cover Flood Damage?
Your basement fills with two feet of water after a heavy rainstorm. You call your insurance company, relieved …