Home insurance: ins and outs of coverage

Readers recount experiences

Recently I wrote a column about the types of claims covered on your homeowner’s policy. Our readers had a wealth of comments and questions. Here are just a few of the responses we received.

1. Earthquakes and fires in California
Pete Moraga, a communications specialist from the Insurance Information Network of California, explained the notion of "proximate cause." Moraga quotes the California Department of Insurance Web site: