Discover how all-risks insurance covers incidents not specifically excluded in policies, offering broader protection than named peril plans. Learn how it works and its exclusions.

State Farm’s default coverage is more generous than Allstate’s, but Allstate offers more discounts. Many, or all, of the products featured on this page are from our advertising partners who compensate ...

Alexi Morgan is a writer who has spent her career curating data-driven content to help consumers make better financial decisions. Specializing in topics from car insurance to banking, she has led ...

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See ...

Explore concurrent insurance, where multiple policies cover the same risk simultaneously. Learn how it works, its advantages, and potential challenges.