Auto & Home
Each guide is a plain-English deep-dive on a single decision.
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Showing all 16 guides.
Comprehensive car insurance explained: what it covers, how it differs from collision, and who should carry it. A plain guide to non-collision damage.
Gap insurance explained: how it covers the difference between what you owe and what your insurer pays if your car is totaled or stolen, and who needs it.
Condo insurance explained: how an HO-6 policy works with your association master policy, what it covers inside your unit, and who needs it.
Collision coverage explained: how it pays to repair or replace your own car after a crash, how it differs from comprehensive and liability, and who needs it.
Renters insurance explained: what it covers, what it excludes, and who needs it so you can protect your belongings and your liability.
Landlord insurance explained: what it covers, how it differs from homeowners insurance, what it excludes, and who needs it for a rental property.
Uninsured motorist coverage explained: how it protects you when an at-fault driver has no insurance, how it differs from underinsured coverage, and who needs it.
Comprehensive vs collision insurance compared: what each covers, how they differ, when you need both, and how they fit into full coverage.
Flood insurance basics: why home and renters policies exclude floods, what building and contents coverage protect, and who needs a policy.
Liability car insurance explained: what bodily injury and property damage liability cover, why states require it, and how much to carry.
Umbrella insurance explained: how excess liability coverage works above your auto and home limits, what it covers, and who needs it.
What auto insurance covers: liability, collision, comprehensive, and uninsured motorist coverage explained, plus what it excludes and who needs it.
What homeowners insurance covers: dwelling, personal property, liability, and loss of use explained, plus what a standard policy excludes.
How much car insurance do I need? Why state minimums are only a floor, the coverages to consider, and how to set a liability limit that protects your finances.
Full coverage car insurance explained: it is not one coverage but a bundle of liability, collision, and comprehensive. Here is what it includes and who needs it.
SR-22 insurance explained: an SR-22 is not a policy but a certificate your insurer files to prove you carry the required coverage. Here is how it works.