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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
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.
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
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.
Why Sole Proprietors Pay $800 a Year for a Workers Comp Policy That Will...
Marcus Reed bought an $812-a-year ghost workers comp policy to win a $42,000 commercial job. He fell off a ladder, filed a claim, and learned the policy excluded him as the owner. Ghost policies satisfy the certificate of insurance, not the owner.
The Medicare Observation Status Trap: How Three Nights in the Hospital Can Still Disqualify...
Farah Habib's mother spent three nights in the hospital on observation status. Medicare denied her entire $9,240 skilled nursing stay. The three-day inpatient rule is one of Medicare's most expensive traps.
Named Driver Exclusion: When Your Auto Policy Refuses to Pay Because the Driver Was...
Alex Reyes saved $640 a year by excluding his son from his auto policy. When his son rear-ended a pickup, the insurer denied the entire $19,000 claim. Named driver exclusions are one of the cheapest discounts and one of the most expensive risks.
