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The ONIT Blog

Insurance: Insurance Claims Articles

When Does an Insurance Company Total a Car?

When does an insurance company total a car, and how do insurers determine if a vehicle is a total loss? Read our guide for answers.

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Does Renters Insurance Cover Wildfires? What Every Renter Should Know

Now that we've entered wildfire season, it's important to know whether or not your damages are covered. If you're a renter using renters insurance, do you know if you're covered by these terrible events? Read more to find out.

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What Does an Umbrella Policy Cover and Do I Need One?

What does an umbrella policy cover, and should I have one? We review what umbrella insurance is and why this extra coverage is essential for handling unexpected events.

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Lightning Damage: What Will Homeowners Insurance Cover?

Lightning strikes are dangerous and can bring damage to our homes. Here's how homeowners insurance can help you handle the aftermath of lightning damage.

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Hail Damage: What You Should Know About Your Insurance

After a storm, you could be left with hail damage to your car or home. Here's how to find out whether or not your home and auto insurance cover any hail damage.

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Icicles formed on the eave of a home with lights hanging beneath.

Does My Home Insurance Policy Include Weather-Related Damage?

When a terrible storm hits, one of the first things you'll wonder is "does my home insurance policy include weather-related damage?" Read to discover what to include in your policy for year-round coverage, as well as how to prepare for a claims adjuster for maximum coverage.

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doorbell camera footage of package theft, car in background

Filing Package Theft Insurance Claims

After ordering online, we anxiously wait for the delivery. But what happens if the item says it's delivered, but it is nowhere to be seen? You may have become a victim of package theft; but don't worry! There are package theft insurance claims that can be made so you don't have to worry about losing your money or your package.

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Blue car hit black car, two drivers talking

When to File and When Not to File an Auto Insurance Claim

If you were just in an accident, you have two choices: you can file and auto insurance a claim, or you can choose not to file an auto insurance claim. Find out more information to help you decide when to file, and when not to file an auto insurance claim through different scenarios.

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