: Most online insurers require the first month's premium or the full annual payment via credit card or ACH to activate the policy.
Once you purchase the policy, you will receive a . This is the most critical document because:
: Flood damage, earthquakes, roommate’s belongings (unless named), and normal wear and tear.
Standard policies purchased online typically protect against "named perils" like fire, theft, and vandalism. However, there are key exclusions to keep in mind: