Clear answers to your insurance questions
Plain-English guides to car, health, home and life insurance — what it covers, what it costs, and the mistakes to avoid.
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12 topics, hundreds of answers.Latest answers
Every article starts with a quick answer and ends with the mistakes to avoid.
Myth: homeowners insurance covers floods
The belief that standard homeowners insurance covers floods is false. Discover how flood policies work, what government and private plans offer, and how to protect your home.
What is a hurricane deductible?
A hurricane deductible is a separate, percentage-based out-of-pocket cost you pay for hurricane wind damage before your homeowners insurance covers the remaining loss.
What is the minimum car insurance required in my state?
Understand the minimum car insurance required in your state, including mandatory coverages, legal exceptions, state limits, and penalties for driving without insurance.
Myth: the lowest premium is the cheapest plan
Believing the lowest premium is the cheapest plan can lead to high out-of-pocket medical costs, smaller provider networks, and reduced benefits.
What is scheduled personal property (jewelry, art)?
Scheduled personal property provides extra insurance coverage through a floater policy to protect high-value jewelry, art, and collectibles beyond standard policy limits.
What does identity theft insurance cover?
Identity theft insurance reimburses expenses you incur while restoring your credit and identity, from lost wages and legal fees to case manager resolution services.
What does health insurance usually not cover?
Health insurance does not pay for every medical service. Discover common exclusions like adult dental, routine adult vision, and specific plan-level coverage limitations.
Liability vs. full coverage car insurance: what is the difference?
Liability insurance only pays for damage and injuries you cause to others, while a full coverage policy adds physical damage protection for your own car.
Medicare Part A, B, C and D explained
Learn how Medicare Part A, B, C, and D work, including hospital care, medical insurance, Advantage plans, prescription drug coverage, and enrollment timelines.