Lessons
Insurpedia Academy is organized around real life events, not insurance products. Each lesson is part of a journey; here’s everything published so far.
Should You Combine Auto Insurance After Marriage?
The real math on combining auto insurance after marriage: multi-car discount ranges, DUI/violation risk, and state rules on spousal exclusion.
Starting a Small Business · Module 1Does Homeowners Insurance Cover Your Home-Based Business?
What your homeowners policy won't cover once you run a business from home, and the three realistic ways to close the coverage gap.
Becoming a Landlord · Module 1You'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.
Newly Married · Module 2Do You Need to Update Your Life Insurance Beneficiary After Marriage?
A beneficiary designation overrides your will. Which accounts to update after marriage, and the community-property rule most people miss.
Vacation Home Ownership · Module 1Do You Need Separate Insurance for a Vacation Home You Don't Rent Out?
Why a vacation home costs more to insure than your primary residence, even if you never rent it out or earn a dollar from it.
First-Time Homeowner · Module 3Should 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.
First-Time Homeowner · Module 1How 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.
First-Time Homeowner · Module 2What 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.
New Driver · Module 3What 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.
New Driver · Module 2Should 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.
New Driver · Module 1Why 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.