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
Your Life Insurance Payout Might Go to Your Ex (Fix This Today)
Your life insurance beneficiary form overrides your will. If you haven’t updated it since your divorce, your ex might get your death benefit. A former claims adjuster explains how to fix this.
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
