Insurpedia / Journeys

Insurance, organized by the life event that triggers it.

Every lesson belongs to a journey: the real event that made someone need to think about insurance in the first place. Free, always, and never tied to a specific insurer.

6Journeys

11Lessons

FreeAlways

№ 011 lesson · ~5 min total

Becoming a Landlord

Module 1 · ~5 min read

You're Renting Out a Room in Your House. Do You Need Landlord Insurance?

Renting a room to a paying tenant can reclassify your home's insurance risk. What changes, and when you actually need to update coverage.

№ 023 lessons · ~16 min total

First-Time Homeowner

Module 1 · ~6 min read

How Much Dwelling Coverage Do You Actually Need to Rebuild Your Home?

Why dwelling coverage should match rebuild cost, not purchase price or mortgage balance, and what a coinsurance penalty costs you if you get it wrong.

Module 2 · ~5 min read

What Does Standard Homeowners Insurance Actually Exclude?

Flood, earthquake, gradual damage, water backup, and mold are typically excluded from standard homeowners insurance. Here's what each exclusion actually means.

Module 3 · ~5 min read

Should You Bundle Home and Auto Insurance After Buying Your First House?

Bundling home and auto often triggers a multi-policy discount, but comparing a bundled quote against separate quotes is the only way to know for sure.

№ 033 lessons · ~18 min total

New Driver

Module 1 · ~6 min read

Why Does Auto Insurance Cost So Much More for a New Driver?

New driver premiums are priced on group risk, not individual skill. Here's what actually moves the price down as experience builds.

Module 2 · ~6 min read

Should a New Driver Be Added to a Parent's Policy or Get Their Own?

Adding a new driver to a parent's policy is usually cheaper than a standalone one, but the classification and shared-risk tradeoffs matter first.

Module 3 · ~6 min read

What Actually Happens If a New Driver Causes an Accident?

Beyond "the rate goes up": what liability and collision coverage actually pay for, when an SR-22 comes into play, and what to do right after an accident.

№ 042 lessons · ~10 min total