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Health Insurance
Health Insurance Options Under 30: What Young Adults Need to Know
Being under 30 often comes with a sense of independence—but that doesn’t mean health insurance should be an afterthought. While younger adults may be...
Life Insurance
Renters Insurance
Renters Insurance Loss of Use Coverage: What Pays for Hotels After...
Sofia Hernandez spent three weeks at a hotel after the unit upstairs flooded hers. The $2,847 bill went to her renters insurance through loss of use coverage.
44% of Renters Have No Insurance. Here’s What the Uninsured Ones...
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.
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Medicare
Recent Posts
Why Most Mold Damage Claims Get Denied on a Homeowners Policy
Marcus discovered black mold spreading across his basement drywall after a slow pipe leak. His remediation estimate was $18,400. His insurer paid $5,000.
Stacking Uninsured Motorist Coverage and When Your Policy Lets You Add Up Limits
Priya was rear-ended by an uninsured driver. Her UM limit was $50,000, but her policy covered three cars in a stacking state. She collected $150,000.
How a Claims-Made Policy Leaves You Exposed After You Switch Insurers
David switched professional liability insurers and saved $1,400 a year. Then a former client filed a $48,000 claim, and neither his new nor his old insurer would pay.
Life Insurance for Stay-at-Home Parents: Why the $50,000 Employer Spouse Rider Falls Short of...
Priya Patel's $50,000 employer spouse rider would not cover one year of childcare for her two children. A standalone twenty-year term quote came back at $32 a month for $750,000. Stay-at-home parents qualify for life insurance and underwriting treats the household labor as the insurable interest.
Wind and Hail Percentage Deductibles: Why a $58,000 Roof Claim Can Leave You Paying...
Carmen Ortiz expected to pay her $2,500 homeowner deductible on a $58,000 hail roof claim. Her policy carried a 2% wind and hail deductible on her $420,000 dwelling limit, so her out-of-pocket was $8,400. Percentage deductibles for wind and hail are a separate line most homeowners never read.
