Got an email from my friend Dana last open enrollment asking “what’s the difference between HMO and PPO because my
Short-Term vs Long-Term Disability Insurance: What’s the Difference?
My coworker’s husband fell off a ladder cleaning gutters in 2019. Broke his back. Not paralyzed thank god but couldn’t
My friend Mike owns a small landscaping company. Three employees, a few trucks, typical small operation. Last summer one of his guys was trimming a tree and a branch fell on the client’s car. Windshield, hood, the whole front end. Probably $4,000 in damage.
Should You Bundle Home and Auto Insurance? A Former Claims Adjuster’s Take
My insurance agent calls me every single renewal period. Every. Single. One. And the pitch is always the same—”Sarah, you
First-Time Car Insurance Buyer? Here’s What Nobody Tells You
Got my first car insurance policy when I was 19. Walked into a State Farm office because it was closest
Speciality Insurance
I Did the Math on Phone Insurance. It’s Mostly a Scam.
A former insurance adjuster breaks down the math on phone insurance: why paying $17/month in premiums plus a $229 deductible often costs more than just paying for repairs.
Event Insurance: Protecting Your Party, Reunion, or Big Event (2025)
Coworker threw a big 50th birthday party for his wife at a rented event space. 80 guests, open bar, dancing.
Pet Insurance: Is It Worth It for Your Dog or Cat? (2025)
My cat needed emergency surgery two years ago. Ate a piece of string that wrapped around her intestines. Vet bill
Travel Insurance: When It’s Worth It (And When It’s Not) (2025)
My coworker booked a $6,000 trip to Italy for her honeymoon. Two weeks before departure her fiancé got appendicitis and
Wedding Insurance: Is It Worth It? What It Actually Covers (2025)
Friend of mine had her wedding venue go bankrupt three weeks before her wedding. Just gone. Doors locked, phones disconnected,
Classic Car Insurance: Why Regular Auto Insurance Doesn’t Work (2025)
My uncle has a 1969 Camaro SS. Spent years restoring it. Worth probably $75,000 now. He had it insured on
Business Insurance
General Liability Insurance for Small Businesses: The Basics (2025)
My friend Mike owns a small landscaping company. Three employees, a few trucks, typical small operation. Last summer one of
Professional Liability Insurance (E&O) Explained: Do You Need It? (2025)
A consultant I know got sued last year because a client claimed her advice cost them money. She’d done a
Workers’ Compensation Insurance Basics: What Small Businesses Need (2025)
I processed auto claims but workers’ comp was down the hall. Those adjusters had stories. Guy who fell off a
Auto insurance
Gap Insurance: Do You Actually Need It? (2025 Guide)
Gap insurance is one of those things the dealership pushes HARD when you’re buying a car, right between the extended warranty and the paint protection package and the nitrogen-filled tires (which, by the way, are mostly a scam—regular air is already 78% nitrogen, but that’s a different rant).
Auto Insurance
First-Time Car Insurance Buyer? Here’s What Nobody Tells You
Got my first car insurance policy when I was 19. Walked into a State Farm office because it was closest
Gap Insurance: Do You Actually Need It? (2025 Guide)
Gap insurance is one of those things the dealership pushes HARD when you’re buying a car, right between the extended
How to Lower Your Car Insurance: 15 Ways That Actually Work (2025)
So my insurance went up 23% this year—I mentioned this in another article but I’m still mad about it—and I
Life Insurance
Life Insurance for Young Families: What New Parents Need to Know (2025)
My friend had a baby last year and texted me “we should probably get life insurance right” about three months
Term Life vs Whole Life Insurance: Which One Do You Need? (2025)
Brother-in-law called last year because a life insurance salesman had been at his house for TWO HOURS. Charts. Projections. Whole
How Much Life Insurance Do You Actually Need? (2025 Calculator Guide)
When my husband and I first talked about life insurance he suggested “like, I don’t know, $100,000?” Based on absolutely
