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Each of every state has some form of law that defines what 'acceptable conduct' in the insurance business is. Many of them have ratified an 'Unfair Insurance Practices Act' or the 'Unfair Claims Settlement Practices Act'. The detailed of these regulations differ far and wide from state to state.

There still there are some sections that are common such as:

1. Claim should be filed within 15 days.
2. Claim must be investigate thoroughly.
3. Claim must be in good faith to process to prompt, rational and the equitable settlement is reasonably clear.

Being fair to the clients, an insurer may decline the pay without a valid reason.

Always remember to talk with the supervisor when you feel that your insurance agent has violated the state's regulation. If you are unsatisfied the next step is to file a complaint with insurance department of the state so your complaint will be investigated promptly. Once find a series of misconduct. The government will impose a fine, disciplinary actions or worst is revoking their insurance license.

If you sue the insurance company some of the legal regulation may help you as a private individual. First is coverage provisions will be interpreted broadly, second is limitation and exclusion are going to be construed narrowly and ambiguities in coverage will construe in your favor.

An experiment conducted by Zurich Insurance proved that homes nowadays are so easy to break in. According to the data gathered, almost 10 percent of the total interviewed households (n=1000) have had their homes burglared. When Zurich tried to experiment with the 1000 houses, they were able to open 2/3 of the houses in a span of 15 minutes. What's more disturbing is that a much higher percentage (28%) of the houses were opened in less than 5 minutes. If this is the state of house security locks in today's houses, burglars can surely victimize a lot of households if they don't check and double check their locks.

Do you have valuable resources in your home? How about a painting you bought at an auction? Or perhaps a China cabinet that has gold plated utensils inside? If you have these, then might as well get an insurance before something happens (a fire maybe?). There is type of insurance that covers only those things that are specifically included in your policy. If you have your painting included in your coverage, then you are sure that your painting's safe. This coverage also offers a wide variety of damage causes such as fire, smoke, vandalism, theft etc. depending on your policy.

The HO-2 is somewhat similar with the HO-1 type of policy, however, the difference lies with the 'object' that is insured. If HO-1 deals with movable valuable things such as paintings and vases, HO-2 on the other hand insures part of the house. If your swimming pool, say has been hit by a falling tree when a hurricane of tornado hit your state, you can file a claim if your swimming pool is insured. How about your garage? If it caught a fire (hopefully your car's somewhere), you can also file a claim if your garage is insured. These are only a few of the benefits you'll get with HO-2.