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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
Renters Insurance Liability at $100K, $300K, and $500K: The Tier Decision...
Most renters pick their liability limit by leaving the default. Here is the net-worth math, the dog-breed surcharge, and the landlord override that actually decide which tier is right.
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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Your Roof Has 214 Hail Dents and Your Policy Pays Nothing
An adjuster counted 214 hail dents on a Wichita homeowner's metal roof and paid nothing. The cosmetic damage endorsement is why, and most homeowners never read it.
The Contract Clause That Can Void Your E&O Coverage Before a Claim Arrives
A Portland consultant guaranteed a 25% cost reduction in her own contract. When the client sued for $340,000, her errors and omissions carrier paid one count out of three.
The No-Exam Life Insurance Application That Already Knows Your Prescriptions
A Tulsa applicant was quoted $41 a month for no-exam term life and issued at $78. A prescription record she had forgotten about is what moved her rate class.
Her Employer’s “Free” $285,000 Life Policy Added $1,213 to Her Taxable Wages
The coverage your employer pays for is only tax-free up to $50,000. Above that, the IRS prices it from a fixed age table and adds the result to your taxable wages.
Her $96,000 Salon Build-Out Burned. The Policy Paid About $23,000.
The landlord's policy covers the building. The part of it you paid for sits inside your own business personal property limit, and it is almost always underinsured.
