DailyInsurance.news breaks down how insurance actually works, one real claim and one real policy at a time. Browse the newest coverage explainers, claim mechanics, and cost breakdowns by line of insurance below, or use search to find a specific topic.
Tools & Calculators
Interactive tools to check your own numbers, not just read about the mechanics.
- Commercial Insurance Rate Tracker — how commercial rates are actually moving this quarter, by line, updated quarterly
- Life Insurance Needs Calculator — the DIME method, with your own numbers
- Coinsurance Penalty Calculator — check whether you are underinsured on a commercial property policy
- Wind/Hail Deductible Calculator — what a percentage deductible actually costs you in dollars
Business & Commercial Insurance
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The Worker Fell Nine Feet and Was Partly at Fault. Under New York Law, That Changed Nothing.
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Mai Nguyen Rented the Car in Her Own Name for the Client Visit. Her Employer’s Commercial Auto Policy Never Covered It.
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A Fingerprint-Clock Lawsuit Put His Exposure at $850,000. His Renewed Policy Excludes It by Name.
See all Business & Commercial Insurance articles →
Auto Insurance
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Dwayne Kessler’s Truck Was Stolen, and His Insurer Never Disputed It. He Still Lost the Claim Over a Missed Deadline.
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Her Newly Licensed Son Crashed in March. She Never Called the Insurer, and a $14,200 Claim Paid the Price.
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She Sold Her Car for $6,400 and Kept Driving. Her Insurance Filing Lapsed the Same Day.
See all Auto Insurance articles →
Homeowners Insurance
See all Homeowners Insurance articles →
Life Insurance
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A $2 Million Life Insurance Transfer Was Supposed to Dodge Estate Tax. He Died 26 Months Later, and the Full Payout Counted Anyway
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Emilio Restrepo’s Bank Required a Life Insurance Policy on His Small-Business Loan. At His Death, the Bank Could Only Take Part of It.
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Marguerite and Felix Sabatini Paid $310 a Month for a Policy That Pays Only Once. Here’s Why That Was the Point.
See all Life Insurance articles →
Renters Insurance
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Odalys Fuentes Was Sued for $85,000 After a Guest’s Fall. Her Renters Policy’s Legal Bills Never Touched That Number.
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She Insured $40,000 in Jewelry Inventory Under Her Renters Policy. A Break-In Proved She Had $2,500.
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Naomi’s Renters Policy Paid $480 to Help Her Recover From Identity Theft. It Never Touched the $4,200 a Stranger Actually Charged.
See all Renters Insurance articles →
Medicare
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Medicare Has Excluded Routine Dental Care Since 1965. Walter Kowalski’s Advantage Plan Covered $1,300 of His $2,143 Implant.
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The Settlement Was $95,000 and His Lawyer Wired It the Same Week. Medicare Had a $17,200 Claim on Part of It.
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Harold’s Therapist Said He’d Plateaued. Medicare’s Own Rules Say That’s Not a Legal Reason to Cut Him Off.
