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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...
Life Insurance
Renters Insurance
What Is Renters Insurance and Why Do You Need It?
Renting a home or apartment offers flexibility, convenience, and fewer maintenance responsibilities. But it does not remove the financial risks that come with everyday...
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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What Happens to Your Life Insurance When a Beneficiary Dies Before You Do
If your only named beneficiary dies before you and you never update the form, the death benefit can land in your estate, go through probate, and become reachable by creditors. Here is how to prevent it.
Recoverable Depreciation: The Second Insurance Check Most Homeowners Never Claim
When a replacement cost policy pays a claim, the first check is short by the depreciation amount. That holdback is recoverable, but only if you finish the repair and send the final invoice. Most homeowners leave it on the table.
Product Recall Insurance: Why an Online Seller’s Liability Policy Won’t Pay to Pull a...
Most online sellers think their product liability policy covers a recall. It only pays for injury lawsuits. The cost of actually pulling the product is a separate policy most sellers never buy.
Permissive Use and the Step-Down Trap: What Happens When You Lend Your Car and...
When you lend your car, your insurance usually follows the vehicle. But a step-down provision can quietly cut coverage to the state minimum the moment a non-listed driver is behind the wheel. Here is how it works.
Graded Death Benefit: Why a Guaranteed-Issue Life Policy May Pay Almost Nothing for Two...
Guaranteed-issue and many final expense life policies pay almost nothing if the insured dies of natural causes in the first two or three years. Here is how the graded death benefit works and who it actually fits.
