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Business Insurance
Home Insurance
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
Sofia Hernandez Spent Three Weeks in a Hotel After Her Upstairs...
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.
Renters Insurance and Airbnb Subletting: One Paid Guest Voids the Policy.
A Brooklyn renter ran 19 short-term bookings before a guest left a candle burning. Her renters insurer denied the entire claim citing the business-use exclusion.
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Medicare
Recent Posts
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.
Dram Shop Liability: Why One Over-Served Customer Can Bankrupt a Bar That Thought It...
Most restaurant owners assume their general liability policy covers a lawsuit from a drunk-driving customer. It does not. Here is how dram shop liability works and the separate policy that actually covers it.
