Insurance Insights Blog
Your comprehensive resource for clear, expert-driven insurance advice.
Are Your Pets Covered? Understanding Pet Liability and Your Homeowners Insurance
A guide to understanding how your homeowners insurance liability coverage applies to incidents caused by your pets, and where a separate pet insurance policy might be needed.
Adams Kotel
Don't Overlook It: Why Renters Insurance is a Must-Have
Many renters think they're covered by their landlord's policy, but that's a costly mistake. Learn what renters insurance actually covers and why it's one of the best financial safety nets you can buy.
Adams Kotel
Does Homeowners Insurance Cover Water Damage? A Guide to a Complex Peril
Water is one of the most common causes of home damage, but coverage is tricky. Learn the critical difference between what is and isn't covered by a standard policy.
Adams Kotel
A Deep Dive into Homeowners Insurance Deductibles
It's a key lever for controlling your premium, but how does a deductible really work? This guide breaks down the types of deductibles and how to choose the right one for you.
Adams Kotel
10 Ways to Lower Your Homeowners Insurance Costs
Homeowners insurance is a necessary expense, but it doesn't have to break the bank. From simple tweaks to strategic upgrades, here are 10 actionable ways to reduce your premium.
Adams Kotel
The Benefits of Bundling Your Insurance Policies
Combining your home and auto insurance with one company can save you significant money and simplify your financial life. We explore the pros, cons, and strategy of bundling.
Adams Kotel
What Is Umbrella Insurance and Do You Need It?
Umbrella insurance provides an essential extra layer of liability protection beyond your standard home and auto policies. It's an affordable and vital safeguard for your assets.
Adams Kotel
The Overlooked Essential: What is Disability Insurance?
Your ability to earn an income is your most valuable asset. Disability insurance is the often-neglected tool that protects it if you become too sick or injured to work.
Said Nago
A Guide to Navigating Health Insurance Open Enrollment
Open enrollment is your annual chance to make critical changes to your health coverage. A little preparation can help you make the best choice and save thousands.
Said Nago
HSA vs. FSA: Which Health Savings Account is Right for You?
Both Health Savings Accounts and Flexible Spending Accounts can save you significant money on healthcare costs, but they have profoundly different rules. Understanding them is key to making the right choice.
Said Nago
Customize Your Coverage: An Introduction to Life Insurance Riders
Riders are optional add-ons that can enhance your life insurance policy, providing living benefits and flexibility far beyond the standard death benefit.
Said Nago
Why Stay-at-Home Parents Need Life Insurance, Too
A stay-at-home parent's economic value is immense, even without a traditional salary. Life insurance is a crucial and often overlooked tool to protect that contribution and secure a family's future.
Said Nago
More Than a Guess: How Much Life Insurance Do You Really Need?
Choosing a life insurance death benefit shouldn't be a random number. A simple but thorough calculation can help you find the right amount of coverage to truly protect your family.
Said Nago
How to Create a Home Inventory (and Why It's Essential for Insurance)
After a disaster, could you list everything you own from memory? A home inventory is a simple tool that can make a huge difference in a claim, ensuring you get paid what you're owed.
Adams Kotel
What Your Homeowners Insurance Doesn't Cover: Common Exclusions
A homeowners policy provides broad protection, but it's not all-encompassing. Knowing the common exclusions is key to avoiding disastrous coverage gaps.
Adams Kotel
Replacement Cost vs. Actual Cash Value: A Crucial Home Insurance Choice
The difference between these two terms can mean a gap of tens of thousands of dollars when you file a claim. Understanding what your policy covers is essential for true financial recovery.
Adams Kotel
The Surprising Link: How Your Credit Score Affects Car Insurance Rates
It might not seem related, but your credit history can have a significant impact on what you pay for car insurance. We explain the "why" and "how" behind this controversial practice.
Adams Kotel
What Is Uninsured Motorist Coverage and Why Do You Need It?
It's a scary thought, but many drivers are on the road without insurance. This coverage protects you from them, and it's more important than you might think.
Adams Kotel
A Step-by-Step Guide to Filing a Car Insurance Claim
Getting into a car accident is stressful enough. Knowing how to file a claim efficiently can make the aftermath much smoother, ensuring you get the compensation you deserve.
Adams Kotel
5 Key Factors That Affect Your Car Insurance Premium
Ever wondered why your car insurance rates are what they are? Several components play a role in determining your premium, and understanding them is the first step toward significant savings.
Adams Kotel
A Beginner's Guide to Understanding Life Insurance Types
Life insurance is a foundational element of financial security, but the jargon can be confusing. This guide demystifies the main types: Term and Permanent.
Said Nago
Do You Need Homeowners Insurance? The Answer is Almost Always Yes
For most people, a home is their largest asset. Homeowners insurance is the essential financial tool that protects this massive investment from disaster, liability, and the unexpected.
Adams Kotel