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Business Insurance
Home Insurance
How to Compare Homeowners Insurance Policies
Owning a home is one of the largest financial investments most people make. Homeowners insurance helps protect that investment against a wide range of...
Life Insurance
Renters Insurance
Her Houston Duplex Burned and the Landlord’s Insurance Had Lapsed Eight...
A Houston single mom lost $47,000 in belongings when her duplex burned. Her landlord had let the building's insurance lapse eight months earlier. Her $14-a-month renters policy turned out to do more than she expected.
A Flash Flood Ruined $19,000 of Her Things. Her Renters Policy...
Your renters policy covers a burst pipe but not the creek that came through your door. Here is the one water source it always excludes, and the cheap policy that fixes it.
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Medicare
Recent Posts
His Family Expected $350,000. The Reinstated Policy’s Suicide Clause Meant They Received $748 in...
The suicide exclusion clause is not the same rule as the 2-year contestability period. Reinstating a lapsed policy can restart it on its own schedule, and most beneficiaries never hear about it until a claim is already filed.
The Fire Cost Him $700,000. A Form That Expired Two Years Earlier Cost Him...
Agreed value coverage turns off the coinsurance penalty on a commercial property claim, but only for a year at a time. Miss the renewal and the penalty comes back with the next fire.
Terrence’s Insurance Paid Everything the Jury Awarded, Except the $1.5 Million That Actually Punished...
A California business owner's EPLI policy paid the compensatory verdict and the legal defense. It paid nothing toward the $1.5 million that was meant to punish him, because state law will not let an insurer cover it.
44% of Renters Have No Insurance. Here’s What the Uninsured Ones Are Actually Losing
Only 56% of renters carry insurance. The 44% who skip it lost $12.8 billion in personal property last year, and the liability claims that follow can garnish wages for over a decade.
Whole Life Insurance as an Investment: The Myth That Costs Families Six Figures
A Charlotte software engineer was pitched a whole life policy with a $1,200 monthly premium until his CPA showed him the internal rate of return did not clear 2 percent until year 15.
