Lessons
Each lesson is part of a course, on a type of insurance or a life event that changes what you need. Here’s everything published so far.
Car Insurance
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.
Car Insurance · Module 1Financing a Car: What Insurance Your Lender Requires
Your state sets minimum liability. Your lender generally requires collision and comprehensive too. How the two differ and what gap insurance adds.
Car Insurance · Module 1Bought a New Car? Is It Insured Before You Call Your Insurer?
Many auto policies cover a newly bought car automatically for a short period, often about 20 days in Texas. What that covers and why to call anyway.
Car Insurance · Module 1What Is the Minimum Car Insurance in Each State?
Minimum car liability limits for all 50 states and DC, read from each state's official source in October 2026, and what the three numbers mean.
Car Insurance · Module 1Liability Only vs. Full Coverage Car Insurance: Which Do You Need?
Liability only pays for harm you cause others; "full coverage" usually adds collision and comprehensive for your own car. Which you need, and when.
Car Insurance · 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.
Car Insurance · Module 2College Student Away at School: Do They Stay on Your Car Insurance?
Some insurers require young drivers to stay on the policy while away at school. What to tell your insurer, and when it can lower the premium.
Car Insurance · Module 2Does Your Personal Car Insurance Cover Food Delivery or Ride-Hailing?
Personal auto policies typically don't cover driving for a fee, like food delivery or ride-hailing. Why, and what to ask before you start.
Car Insurance · Module 2If You Lend Your Car to a Friend and They Crash, Whose Insurance Pays?
Most auto policies cover people driving your car with your permission, with limits. What that means after a crash, and the exclusions to check.
Car Insurance · Module 2Do You Need the Rental Counter's Damage Waiver if You Have Car Insurance?
A rental damage waiver isn't insurance; your own policy may already apply to a rental. What to check, and the gaps that can still matter.
Car Insurance · 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.
Car Insurance · Module 3Driving Into Mexico: Does Your U.S. Car Insurance Cover You?
Mexico doesn't recognize U.S. auto policies, so drivers generally need Mexican liability insurance. What to buy before crossing and what to check.
Car Insurance · Module 3Moving to Another State: What to Do About Your Car Insurance
Moving states changes your car insurance requirements and deadlines. What to tell your insurer, and what to check about the new state's minimums.
Car Insurance · Module 3Selling Your Car: When to Cancel the Insurance
Cancel car insurance too early after a sale and some states can suspend your registration. The order to follow: plates, registration, then insurance.
Car Insurance · Module 3What Do Auto Liability Limits Like 30/60/25 Mean When Several People Are Hurt?
Split limits are three separate caps: per person, per accident and property damage. A worked three-person accident shows how each one applies.
Disability Insurance
Do You Need Disability Insurance? How to Tell if Your Income Is Protected
If your household depends on your paycheck, disability insurance replaces part of it if illness or injury stops you working. How to check your gap.
Disability Insurance · Module 1Disability Insurance Through Work vs. Your Own Policy
Employer disability coverage is often free but taxable and may end if you leave. An individual policy costs more but goes with you. How to compare.
Disability Insurance · Module 1Short-Term vs. Long-Term Disability Insurance: What's the Difference?
Short-term disability pays soon after you stop working, for weeks or months; long-term starts later and can pay for years. How they fit together.
Disability Insurance · Module 2Disability Insurance Features: Non-Cancelable, Residual Benefits and Cost-of-Living Riders
Non-cancelable, guaranteed renewable, residual benefits and cost-of-living riders explained: what each does, and when it's worth paying for.
Disability Insurance · Module 2How Much Disability Insurance Do You Need?
Disability policies generally replace 60% to 70% of income, up to a cap. How to size a benefit from your bills, savings and other coverage.
Disability Insurance · Module 2How to Lower Your Disability Insurance Premium Without Losing the Coverage That Matters
Disability premiums depend on age, occupation and income protected. Three levers lower them: a longer wait, a shorter benefit period, a smaller benefit.
Disability Insurance · Module 3Are Disability Insurance Benefits Taxable?
If your employer paid the premiums, disability benefits are generally taxable. If you paid with after-tax money, they generally aren't. How the IRS sees it.
Disability Insurance · Module 3Social Security Disability Insurance (SSDI): Who Qualifies and What It Pays
SSDI pays monthly benefits to people with a disability expected to last a year or more and enough work history. Who qualifies, and what it pays.
Health Insurance
Bronze, Silver, Gold or Platinum: Which Health Plan Level Should You Choose?
Bronze plans pay about 60% of covered costs on average, Platinum about 90%. What the metal levels mean, why Silver can be special, and how to pick.
Health Insurance · Module 1How to Compare Health Plans Using the Summary of Benefits and Coverage
Health plans must give you a plain-language Summary of Benefits and Coverage. How to use it to compare plans, with its diabetes and childbirth examples.
Health Insurance · Module 1HMO vs. PPO vs. EPO vs. POS: Which Health Plan Type Fits You?
HMOs and EPOs generally cover only in-network care except emergencies; PPOs pay toward out-of-network care. POS plans need referrals. How to choose.
Health Insurance · Module 2Lost Your Job: Should You Choose COBRA or a Marketplace Plan?
COBRA keeps your employer plan but can cost up to 102% of its full price. A Marketplace plan may cost less with savings. How to compare, and the deadlines.
Health Insurance · Module 2When Can You Get Health Insurance? Open Enrollment and Special Enrollment Periods
Marketplace Open Enrollment runs November 1 to January 15. Outside it, you need a Special Enrollment Period, usually within 60 days of a life event.
Health Insurance · Module 2Can You Stay on Your Parent's Health Insurance Until 26?
If a parent's plan covers dependents, you can usually stay on it until 26, even if married or not a dependent. What happens at 26, and how to avoid a gap.
Health Insurance · Module 3How to Appeal a Health Insurance Claim Denial: Internal Appeal and External Review
You generally have 180 days to file an internal appeal of a denied claim, then 4 months to ask for an external review your insurer must accept.
Health Insurance · Module 3Is Preventive Care Free With Health Insurance? What Counts and When You Might Pay
Most health plans must cover preventive services like screenings at no cost in network. Why a preventive visit can still bring a bill, and how to avoid it.
Health Insurance · Module 3Surprise Medical Bills: What the No Surprises Act Protects You From
The No Surprises Act protects you from most surprise out-of-network bills for emergency care and some care at in-network facilities. What it covers.
Homeowners Insurance
Buying a House With an Old Roof: What It Means for Your Homeowners Insurance
How an older roof can affect whether you can get homeowners insurance, what it costs, and how roof claims get paid, plus what to ask before closing.
Homeowners Insurance · Module 1Florida's 4-Point Inspection: What It Is and What Happens If Your Home Doesn't Pass
What Florida's 4-point insurance inspection checks, when insurers require it, and what to do if the report flags a problem before closing.
Homeowners Insurance · Module 1Does Homeowners Insurance Cover Damage That Was There Before You Bought the House?
Why homeowners insurance usually won't pay for damage that was already there when you bought the house, and what protects you instead.
Homeowners Insurance · Module 1Buying an Older Home: The Wiring and Plumbing That Can Make It Hard to Insure
Why knob-and-tube or aluminum wiring and aging plumbing can make an older home harder to insure, and what to check before you close.
Homeowners Insurance · Module 1What an Insurance Binder Does Before You Close on a House
A binder is temporary proof of coverage until the policy is issued. Why lenders ask for one before closing, and what to check on it.
Homeowners Insurance · Module 1Buying a Home in a Flood Zone: When Your Lender Requires Flood Insurance
Homes in high-risk flood zones with a government-backed mortgage generally need flood insurance. What the zone letters mean, and timing at closing.
Homeowners Insurance · Module 2How 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.
Homeowners Insurance · Module 2Renovating Your Home: When to Tell Your Insurer
A renovation can raise your rebuilding cost above your dwelling limit. When to call your insurer, and what to check about your contractor.
Homeowners Insurance · Module 2Rebuilding Costs Went Up: Is Your Dwelling Limit Still Enough at Renewal?
Construction costs rise, so last year's dwelling limit may be too low. How inflation guard works, and why regulators still say to review it yearly.
Homeowners Insurance · Module 2Replacement Cost vs. Actual Cash Value: Which Should Your Home Policy Have?
Replacement cost pays today's price to repair or replace; actual cash value subtracts depreciation. The Texas regulator's roof example, worked through.
Homeowners Insurance · Module 3What 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.
Homeowners Insurance · Module 3Burst Pipe, Sewer Backup or Flood: Why the Source of Water Matters
Sudden water from a burst pipe, sewer backup and outside flooding are usually covered differently. A side-by-side guide to the source of the water.
Homeowners Insurance · Module 3Flood Insurance Building vs. Contents Coverage: What Each Pays For
NFIP flood policies split building and contents coverage, each with its own limit and deductible. What each covers, from the furnace to the sofa.
Homeowners Insurance · Module 3HO-3 vs. HO-5 Homeowners Insurance: What's the Difference?
HO-3 and HO-5 both cover your house on an open-perils basis. The difference is your belongings. How they compare, what HO-5 costs, and what to check.
Homeowners Insurance · Module 4Should 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.
Homeowners Insurance · Module 4Is Your Escrow Payment the Same as Your Homeowners Insurance Premium?
Escrow is your lender collecting money to pay your taxes and insurance, not the premium itself. A worked example of how a premium change moves your payment.
Homeowners Insurance · Module 4What Happens if Your Homeowners Insurance Lapses and You Have a Mortgage?
If your homeowners policy lapses, your servicer can buy force-placed insurance and charge you. The notices you get first, and how to get it removed.
Homeowners Insurance · Module 4How Much Is a 2% Hurricane or Wind Deductible in Dollars?
A percentage deductible is a share of your insured value, not of the damage. Worked examples at 1% to 10%, and what to check in your policy.
Homeowners Insurance · Module 4Home Insurance Cancellation vs. Nonrenewal: What Each Notice Means
A cancellation ends a policy mid-term; a nonrenewal ends it at the term's end. Notice periods, common reasons, and the steps to take in time.
Homeowners Insurance · Module 5Why Your Home Insurance Claim Check Is Made Out to Your Mortgage Company
If you have a mortgage, the repair check usually names you and your lender. How endorsing it works and how the lender releases the money.
Homeowners Insurance · Module 5How Does a Home Inventory Help After a Loss, and What Should It Include?
A home inventory makes a claim easier to document and shows whether your coverage fits. What to record, room by room, and where to keep it.
Homeowners Insurance · Module 5Additional Living Expenses: What to Track While You Can't Live at Home
ALE pays the extra cost of living elsewhere after a covered loss. What counts as "extra", common limits, and the receipts that keep payments coming.
Homeowners Insurance · Module 5First Steps After Your Home Is Damaged: What to Do Before the Adjuster Comes
After damage, make temporary repairs to prevent more loss, document everything and keep receipts. What to do first, and what to hold off on.
Homeowners Insurance · Module 5How Long Do You Have to File a Home Insurance Claim?
Most policies set a deadline to file a claim, often around a year, but it varies. Where to find yours and why reporting promptly matters.
Landlord Insurance
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.
Landlord Insurance · Module 1Renting Out a Furnished Home: Who Insures the Furniture?
A landlord policy can cover furnishings and appliances you leave for tenants, but not tenants' own belongings. Who insures what.
Landlord Insurance · Module 1Should Landlords Require Tenants to Have Renters Insurance?
Many landlords require renters insurance because their own policy doesn't cover tenants' belongings. What it protects, and what to put in the lease.
Landlord Insurance · Module 1Long-Term vs. Short-Term Rentals: What Insurance Questions Change?
Short-term rentals may need an endorsement or a business policy; long-term leases usually need a landlord policy. What to ask your insurer first.
Landlord Insurance · Module 2If a Fire Makes Your Rental Unlivable, Does Insurance Replace the Lost Rent?
Fair rental value coverage pays rent you lose while a covered loss is repaired. What triggers it, its limits, and what it leaves to the tenant.
Landlord Insurance · Module 2Your Rental Is Empty Between Tenants: Is It Still Fully Insured?
Many policies limit coverage when a home is vacant beyond a set number of days. What to check while a rental sits empty between tenants.
Landlord Insurance · Module 2Do Landlords Need Umbrella Insurance?
Renting out property is a common reason to consider umbrella insurance. How an umbrella sits above your landlord and auto policies, and what to check.
Medicare
Still Working at 65: Can You Delay Medicare Part B Without a Penalty?
If you or your spouse still work and have job-based group coverage, you can often delay Part B. You then get 8 months to sign up. COBRA doesn't count.
Medicare · Module 1Medicare Late Enrollment Penalties: Part A, Part B and Part D Explained
Part B's penalty adds 10% for each full year you could have had it but didn't, usually for life. Part D adds 1% a month. How each works, with 2026 numbers.
Medicare · Module 1Medicare Parts A, B, C and D Explained: What Each Part Covers
Part A is hospital insurance, Part B medical insurance, Part C is Medicare Advantage, and Part D drug coverage. What each covers, and how they fit together.
Medicare · Module 2Medicare Open Enrollment (October 15 to December 7): What You Can Change
Each October 15 to December 7, you can switch Medicare Advantage or drug plans, or move between Original Medicare and Medicare Advantage.
Medicare · Module 2Medigap vs. Medicare Advantage: What's the Difference, and Can You Switch Later?
Medigap adds to Original Medicare; Medicare Advantage replaces it. Why the one-time Medigap open enrollment makes this choice hard to undo.
Medicare · Module 2Original Medicare vs. Medicare Advantage: How to Choose
Original Medicare lets you use any doctor that takes Medicare; Medicare Advantage is a private plan, often with a network and extra benefits. How to choose.
Medicare · Module 3Help Paying for Medicare: Extra Help, Medicare Savings Programs and SHIP
Extra Help lowers drug costs; Medicare Savings Programs can pay Part B premiums and more. How to apply, and how SHIP offers free one-on-one counseling.
Medicare · Module 3What Does Medicare Cost in 2026? Premiums, Deductibles and Coinsurance
In 2026, Part B costs $202.90 a month for most people, with a $283 deductible and 20% coinsurance. Part A is premium-free for most. What you'd pay.
New Parent
Adding a Newborn to Health Insurance: Deadlines and How Coverage Starts
A new baby opens a Special Enrollment Period: usually 60 days on the Marketplace and at least 30 days for job-based plans. Coverage can start from birth.
New Parent · Module 1Pregnancy and Health Insurance: What's Covered and When You Can Enroll
Marketplace and Medicaid plans cover pregnancy and childbirth, even if it began before coverage. Pregnancy alone doesn't open enrollment; a birth does.
New Parent · Module 2How Much Life Insurance Do New Parents Need?
Enough to replace the income and services your family would lose, plus debts and final costs, minus other sources like Social Security. How to estimate it.
New Parent · Module 2Does a Stay-at-Home Parent Need Life Insurance?
Often, yes. If a stay-at-home parent dies, the family must pay for child care and household work they did. Regulators suggest insuring both parents.
New Parent · Module 2Naming Your Children as Life Insurance Beneficiaries: What to Know
Naming children by name can leave out later-born children. And insurers generally won't pay large sums directly to minors. How to set it up.
New Parent · Module 2Should You Buy Life Insurance for Your Baby or Child?
Most advisors suggest insuring the parents first. A child's policy can help with funeral costs or lock in insurability, often through a children's rider.
New Parent · Module 3Insurance Checklist for a New Baby: What to Update and When
Add the baby to health insurance within your plan's deadline, review life and disability coverage, update beneficiaries, and check your home or renters policy.
Newly Married
Should You Combine Auto Insurance After Marriage?
Should you combine car insurance after marriage? When a multi-vehicle discount saves money, when a spouse's record costs more, and what to disclose.
Newly Married · Module 1Is an Engagement Ring Covered by Homeowners or Renters Insurance?
Standard policies often cap jewelry theft at $1,000 to $2,000 and may not cover a lost ring. How scheduling a ring works, with a worked example.
Newly Married · Module 1Moving In Together: Does One Renters Policy Cover Both of You?
A spouse is usually covered under your renters policy; an unmarried partner usually isn't unless named. What to check before moving in.
Newly Married · Module 1Are Your Belongings in a Storage Unit Covered by Insurance?
Homeowners or renters policies may cover a storage unit off-premises, but not for all perils. What's typically left out, and what to check.
Newly Married · Module 1Moving In Together: Do You Have to Add Your Partner to Your Car Insurance?
Some insurers require everyone of driving age in your home to be listed or excluded. What to disclose after moving in together, and why it matters.
Newly Married · Module 1Can Married Couples Have Separate Car Insurance?
Spouses can often keep separate car policies, but insurers usually want to know about everyone in the household who drives. What to check.
Newly Married · Module 1Single, Married or Divorced: Which Marital Status Do You Choose on a Car Insurance Application?
Choose your current legal marital status on a car insurance application. Why insurers ask, and the states that ban or limit its use in rates.
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 why a 401(k) follows different spousal rules.
Newly Married · Module 2Life Insurance Through Work vs. Your Own Policy
Life insurance from your job typically ends when you leave. How it compares with an individual policy, and what to check after getting married.
Newly Married · Module 2Policyholder, Insured and Beneficiary: Who's Who on a Life Insurance Policy?
The policyholder owns the policy, the insured is whose life it covers, and the beneficiary receives the payout. Primary and contingent beneficiaries explained.
Newly Married · Module 2Term vs. Whole Life Insurance: Which Fits a New Family?
Term life covers a set period at a lower price; whole life covers you for life and builds cash value at a higher one. How to compare them after marriage.
Pet Insurance
Does Pet Insurance Cover Hereditary Conditions Like Hip Dysplasia?
Some pet policies cover hereditary and congenital conditions; others limit or exclude them. What the terms mean, and what to check for your breed.
Pet Insurance · Module 1Does Pet Insurance Cover Pre-Existing Conditions?
Most pet insurance excludes pre-existing conditions. How they're defined, the curable-condition exception, and renewal protections in some states.
Pet Insurance · Module 1How Long Is the Pet Insurance Waiting Period?
Pet insurance waiting periods are often days for accidents and weeks for illness. Washington and Florida cap illness waits at 30 days and ban accident waits.
Pet Insurance · Module 1What Does Pet Insurance Cover? Accident-Only, Accident and Illness, and Wellness
Pet insurance usually covers accidents, or accidents and illnesses. Wellness care is often a separate plan. What each covers, and what's commonly excluded.
Pet Insurance · Module 2How Does Pet Insurance Reimbursement Work? Deductible, Rate and Limits
Most pet insurance reimburses you after you pay the vet. A worked $3,000 example with a deductible, 80% reimbursement and an annual limit.
Pet Insurance · Module 2Pet Insurance for an Older Dog or Cat: Age Limits, Price and What's Covered
Older pets generally cost more to insure, some insurers set age limits, and existing conditions are usually excluded. What to check for a senior pet.
Pet Insurance · Module 2Pet Wellness Plan vs. Pet Insurance: What's the Difference?
Pet insurance pays for accidents and illness; a wellness plan helps with routine care; a discount plan isn't insurance. How to tell them apart.
Pet Insurance · Module 3Does Your Dog's Breed Affect Your Homeowners or Renters Insurance?
Some insurers limit coverage for certain dog breeds or dogs that have bitten. Why it matters for liability, and what Pennsylvania and Michigan law says.
Renters Insurance
How Much Renters Insurance Do You Need?
Enough to replace everything you own, which a home inventory shows, plus liability coverage of at least $100,000; some experts suggest $300,000.
Renters Insurance · Module 1Roommates and Renters Insurance: Do You Each Need a Policy?
Roommates are usually not covered by each other's renters policy unless named. Why separate policies are often simpler, and when joint coverage works.
Renters Insurance · Module 1What Does Renters Insurance Cover? Belongings, Liability and Living Costs
Renters insurance covers your belongings, your liability if you hurt someone or damage their property, and extra living costs if your rental becomes unlivable.
Renters Insurance · Module 2Renters Insurance Liability: If a Guest Is Hurt or You Damage Someone's Property
Renters liability pays if you, your family or your pet injure someone or damage their property, including legal defense, up to your limit.
Renters Insurance · Module 2If Your Rental Becomes Unlivable, Does Renters Insurance Pay for a Hotel?
Yes, after a covered loss. Additional living expenses pay the extra cost of a hotel, temporary rental and meals while your rental is repaired, up to limits.
Renters Insurance · Module 2Does Renters Insurance Cover Water Damage?
Renters insurance generally covers sudden water damage like a burst pipe or an upstairs neighbor's overflowing tub, but not floods or slow leaks.
Renters Insurance · Module 3How to Lower Your Renters Insurance Premium
A higher deductible, bundling with car insurance, safety features and shopping around can lower renters insurance costs. What each saves, and what to watch.
Renters Insurance · Module 3Your Apartment Was Burglarized: How to File a Renters Insurance Claim
After a break-in, report it to the police, call your insurer, list what was stolen with receipts or photos, and keep damaged items. The steps, in order.
Renters Insurance · Module 3Moving to a New Rental: What to Do About Your Renters Insurance
Tell your insurer before you move, update your address and limits, and ask how belongings are protected in transit and storage.
Small Business Insurance
Does 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.
Small Business Insurance · Module 1Is Your Business Equipment Covered When You Take It to a Client's Site?
A standard homeowners policy typically covers business equipment away from home for only about $250. What to check if you take gear to clients.
Small Business Insurance · Module 2Does Business Interruption Insurance Pay if Your Business Has to Close?
Business interruption coverage replaces lost income when a covered loss forces you to close. What usually triggers it, and what to check.
Small Business Insurance · Module 2Business Owners Policy vs Commercial Package Policy: Which Fits?
A BOP bundles core coverage for smaller businesses; a commercial package policy is broader and customizable. How they differ and what to ask.
Small Business Insurance · Module 2Does Business Insurance Cover Lightning Strikes?
Business property insurance generally covers lightning damage, but surges, equipment breakdown and utility outages can need extra coverage. What to check.
Small Business Insurance · Module 2General Liability vs Professional Liability: Which One Covers Which Claim?
General liability is for injury and property damage; professional liability is for advice or services that cost a client money. Sort six examples.
Small Business Insurance · Module 2Does Business Insurance Cover Flooding?
Most business property policies exclude flood. NFIP commercial flood policies cover building and contents up to $500,000 each. What to check.
Small Business Insurance · Module 2Does Business Insurance Cover Cyber Attacks?
Standard business policies typically cover only a limited range of cyber threats, if any. What a cyber policy adds, and what to check in yours.
Small Business Insurance · Module 2Does Business Insurance Cover Employee Theft?
Theft by employees is excluded from a basic business owners policy. How employee dishonesty and crime coverage work, and what to check.
Small Business Insurance · Module 2Does General Liability Insurance Cover Breach of Contract?
General liability generally doesn't cover damages for breaking a contract, such as missing a deadline. The "insured contract" exception, explained.
Small Business Insurance · Module 2Claims-Made vs. Occurrence Policies: What Happens When You Switch or Retire?
An occurrence policy covers incidents during the policy period; a claims-made policy needs coverage when the claim is made too. Why it matters when you switch.
Small Business Insurance · Module 3Certificate Holder vs Additional Insured: What Does a Certificate of Insurance Prove?
A certificate of insurance summarizes a policy; it doesn't give anyone coverage. Additional insured status comes from the policy or an endorsement.
Small Business Insurance · Module 3Employees Driving Their Own Cars for Work: Who's Liable?
When an employee crashes their own car on a work errand, the business can be liable. How hired and non-owned auto coverage fills that gap.
Small Business Insurance · Module 3Does Your Business Insurance Cover Independent Contractors?
Your policies generally don't insure a contractor's injuries or mistakes, and an uninsured contractor can become your workers comp problem.
Small Business Insurance · Module 3Hiring Your First Employee: Do You Need Workers' Compensation?
Workers' comp rules depend on your state. Texas lets most private employers choose, with notice duties. What to check before your first hire.
Travel Insurance
Does Your Health Insurance or Medicare Cover You Abroad?
Many health plans pay little or nothing abroad, and Original Medicare generally doesn't cover care outside the U.S. How to check, and when travel medical helps.
Travel Insurance · Module 1Is Travel Insurance Worth It? How to Decide for Your Trip
Travel insurance usually costs about 4% to 10% of a trip. It's most worth it for costly, nonrefundable trips, travel abroad and remote destinations.
Travel Insurance · Module 1What Does Travel Insurance Cover? The Main Types Explained
Travel insurance can cover trip cancellation and interruption, medical care abroad, medical evacuation, baggage and more. What each type does.
Travel Insurance · Module 2Cancel for Any Reason (CFAR) Travel Insurance: How It Works and What It Pays
Cancel for any reason coverage lets you cancel for reasons a standard policy won't cover, but typically pays back only a percentage of costs, at a higher price.
Travel Insurance · Module 2Cruise or Tour Cancellation Waiver vs. Travel Insurance: What's the Difference?
A cancellation waiver from a cruise line or tour operator isn't insurance and isn't regulated as insurance. How it differs, and its main risk.
Travel Insurance · Module 2Does Travel Insurance Cover Pre-Existing Conditions?
Many travel policies exclude pre-existing conditions, but some waive the exclusion if you buy soon after your first trip deposit. How it works.
Travel Insurance · Module 2What Reasons Does Trip Cancellation Insurance Cover?
Trip cancellation pays only for reasons listed in the policy, such as illness, a family death or severe weather. Why the list matters, and what's left off.
Travel Insurance · Module 3Lost or Stolen Luggage: Does Travel Insurance or Homeowners Insurance Pay?
Homeowners and renters policies often cover belongings stolen while traveling, after the deductible. When travel baggage coverage or a floater fits better.
Vacation Home Insurance
Do 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.
Vacation Home Insurance · Module 1Are Your Belongings at a Second Home Covered?
Your main policy may cover belongings off-premises, but some insurers cap it at 10%. How to check coverage for contents at a vacation home.
Vacation Home Insurance · Module 1Detached Garages, Sheds and Docks at a Vacation Home: Are They Covered?
Other structures coverage pays for detached garages, sheds and fences, often about 10% of the dwelling limit. How to check it at a second home.
Vacation Home Insurance · Module 2Leaving a Vacation Home Empty for the Season: What to Check Before You Lock Up
Before a second home sits empty, check your policy's vacancy period and freeze conditions. A closing checklist, and why the record matters.
Vacation Home Insurance · Module 2Coastal Texas Second Home: Why Wind and Hail May Need a Separate Policy
On the Texas coast, home policies may not cover wind and hail. What TWIA is, the flood-insurance condition, and why to buy before storm season.
Vacation Home Insurance · Module 2Buying Flood Insurance for a Coastal Second Home: What to Know First
Most home policies don't cover flood. NFIP limits, the 30-day waiting period and its exceptions, and what to check for a coastal second home.
Vacation Home Insurance · Module 2Found Damage at Your Vacation Home Months Later: What Happens to the Claim?
Damage found months later at a second home raises questions about deadlines, vacancy and when it happened. What to report and how to document it.
Vacation Home Insurance · Module 3Renting Out Your Vacation Home Short-Term: Are You Still Covered?
Most home policies won't pay for damage or injuries during short-term rentals. Why, and what to settle with your insurer before you list.