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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...
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Renters Insurance
Most Renters Have No Coverage. The Ones Who Do Are Focused...
A Chicago renter paid $22,000 out of pocket after a guest slipped and fell at her apartment. Her renters insurance would have cost $14 a month. The part most renters miss isn't the laptop coverage. It's the liability.
Your Renters Insurance Doesn’t Cover Your Roommate. This Is What That...
Kelsey and her roommate split an $18/month renters insurance premium and assumed both were covered. When the roommate's guest slipped in the apartment, the insurer denied the roommate's liability claim. She paid $4,700 out of pocket.
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Recent Posts
A private pilot’s $1 million life insurance can pay zero at death if an...
Private pilots assume their life insurance covers every cause of death. An aviation exclusion rider added at underwriting voids the death benefit on any flight-related loss.
A foundation crack repair can cost $32,000 and your homeowners policy probably will not...
Homeowners discover the earth movement exclusion the day a structural engineer hands them a slab-pier estimate. The wall is cracked, the policy is open, and the check is denied.
Your EPLI policy may not cover the wage and hour lawsuit most likely to...
Most small-business owners buy EPLI thinking it covers the most common employee lawsuit. The wage and hour exclusion buried in the form carves out exactly that.
Your personal auto policy probably excludes your e-bike – and your homeowners may not...
A standard personal auto policy excludes e-bikes from its definition of a covered auto, and most homeowners policies exclude them under the motorized vehicle clause. The same claim gets declined twice.
A lapsed life insurance policy is rarely dead at day 31 – but the...
A missed life insurance premium does not end the policy on day one. Most carriers protect a 31-day grace period plus a reinstatement window of 60 to 180 days, with the rules tightening as time passes.
