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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Myth: umbrella insurance is only for the rich
Believing that umbrella insurance is only for the rich is a common myth. Learn how an umbrella policy protects everyday households against catastrophic liability claims.
What is general liability insurance?
Commercial general liability insurance protects businesses from financial loss caused by property damage, bodily injury, medical expenses, and advertising injury during daily operations.
What is general liability insurance?
General liability insurance protects small businesses from financial loss caused by third-party bodily injury, property damage, and personal or advertising injuries.
When is open enrollment, and what is a special enrollment period?
Open enrollment runs annually from November 1 to January 15, while special enrollment periods grant 60 days to buy health coverage after qualifying life events.
Why is my homeowners insurance going up so much?
Homeowners insurance rates are rising due to higher rebuilding costs, inflation, location risks, past claims, and changes to roof coverage.
Does renters insurance cover my belongings outside my home?
Renters insurance provides off-premises coverage to protect your personal belongings against theft and covered disasters when you are away from home.
Is life insurance taxable for beneficiaries?
Life insurance proceeds are generally tax-free for beneficiaries, but taxes may apply if the payout earns interest or if the policy was transferred for valuable consideration.
How to dispute a surprise medical bill
Learn how to dispute a surprise medical bill by reviewing your explanation of benefits, requesting an itemized statement, contacting your provider, and filing an official complaint.
Does pet insurance cover pre-existing conditions?
Pet insurance rarely covers pre-existing conditions, but coverage rules, waiting periods, and exclusions vary depending on the policy and your pet's health history.