Insurance
Fall Home Prep and Insurance Gaps to Close Before Winter in the US
A practical checklist to winterize your home and verify your homeowners policy covers cold-weather damage before the first freeze.
Brian Foster
Author
Writes about life, disability, and home coverage in the US, focusing on how families can choose protection that fits every budget.
- insurance
- life-insurance
- disability-insurance
- home-insurance
Published articles
Insurance
Term Life Insurance vs. Whole Life Insurance Explained for the US
Term and whole life insurance serve different financial goals: term provides affordable coverage for a set period, while whole life combines lifelong protection with a cash value component.
Insurance
Non-Owner Car Insurance in the US: Cover When You Drive Someone Else's Car
Learn how non-owner car insurance provides liability coverage when you regularly drive cars you don't own, and estimate whether you need this specialized policy.
Insurance
How to Estimate Your NFIP Flood Insurance Premium by Flood Zone in the US
Understand how FEMA flood zones determine your National Flood Insurance Program premium and use our calculator to estimate your annual cost.
Insurance
How Much Pet Insurance Costs in the US: The Math Behind Dog and Cat Premiums
Understand the factors that determine pet insurance premiums for dogs and cats, from breed and age to coverage level and location.
Insurance
How to Calculate Income Replacement Insurance Benefits in the US
Learn how to determine the right monthly disability benefit to protect your salary if illness or injury prevents you from working.
Insurance
How Car Insurance Premiums Are Calculated in the US
Understand the factors insurers use to calculate your car insurance premium and get a personalized estimate.
Insurance
How to Calculate Your Life Insurance Coverage Need in the US: The Income Replacement Formula
The income replacement formula estimates life insurance needs by multiplying annual income by years of support needed, adjusted for debts and savings.
Insurance
How Much Life Insurance Do You Actually Need in the US
Learn how to calculate the right amount of life insurance coverage for your family's financial security based on income, debts, and future expenses.
Insurance
Term Life vs. Whole Life Insurance: Which Is Right for Your Family in the US
Learn the key differences between term and whole life insurance to choose the best coverage for your family's financial protection needs.
Insurance
Health Insurance Plans Explained in the US: HMO, PPO, and HDHP Compared
Understand the key differences between HMO, PPO, and HDHP health plans to choose the coverage that fits your medical needs and budget.
Insurance
How Bundling Home and Auto Insurance Saves Money in the US
Bundling home and auto insurance with one carrier typically cuts your combined premiums by 15% to 25%, with additional benefits like simplified billing and a single point of contact for claims.
Insurance
Renters Insurance for Off-Campus Students in the US: What Parents Need to Know
Off-campus students need renters insurance to protect belongings and cover liability. Learn what coverage to buy, what it costs, and whether your homeowners policy already extends to your student.
Insurance
Disability Insurance Basics Every Working Adult Should Know in the US
Learn what disability insurance covers, how much you need, and how to choose between short-term and long-term policies to protect your income.
Insurance
Summer Driving Risks and How to Protect Your Auto Coverage in the US
Summer brings unique driving hazards, from road trips to extreme heat. Learn how to protect your auto insurance coverage during the season's peak driving months.
Insurance
7 Flood Insurance Gaps Homeowners Discover During Hurricane Season in the US
Hurricane season reveals critical flood coverage gaps that catch many homeowners off guard. Learn the seven most common shortfalls before disaster strikes.
Insurance
How to File an Insurance Claim After Storm Damage in the US
Learn the essential steps to document storm damage, contact your insurer, work with adjusters, and get your claim processed successfully.
Insurance
How Life Insurance Beneficiaries and Payouts Work in the US
Life insurance beneficiaries receive the policy's death benefit when the insured person dies. Understanding how to designate beneficiaries and how payouts work ensures your loved ones receive the financial protection you intended.
Insurance
7 Key Facts About Deductibles and Premiums in the US
Learn how your insurance deductible directly affects your premium costs and how to choose the right balance for your budget.
Insurance
Far Fewer People Buy Obamacare Coverage as Premiums Spike in the US
ACA marketplace enrollment has dropped as premium increases outpace subsidies, leaving millions uninsured or seeking alternative coverage options.
Insurance
Summer Driving Risks in the US: An Auto Insurance Checklist
Summer driving can raise your exposure to crashes, theft, weather damage, and liability claims. Use this checklist to spot auto coverage gaps before a road trip, teen driving season, or severe weather event.
Insurance
Why Homeowners in the US Should Not Cut Insurance Coverage Before Hurricane Season
Cutting homeowners insurance before hurricane season can create expensive gaps. Review deductibles, dwelling limits, wind coverage, and flood insurance before reducing protection.
Insurance
Home-Based Business Insurance: 7 Critical Coverage Gaps for Remote Workers in the US
Standard homeowners and renters policies leave major gaps for home-based businesses and remote workers, from business property to professional liability.
Insurance
Why Texas Officials Urge Flood Insurance Before Hurricane Season in the US
Texas officials are calling on homeowners to secure flood insurance ahead of the Atlantic hurricane season, which runs from June through November.
Insurance
Texas Breaks ACA Health Insurance Open Enrollment Record in the US
Texas enrolled over 4.2 million residents in ACA marketplace health plans during the latest open enrollment period, setting a new state record and reflecting growing demand for affordable coverage.
Insurance
Federal Flood Insurance Changes Loom for Florida Homeowners as US Hurricane Season Nears
Florida homeowners face potential shifts in federal flood insurance coverage and pricing as Congress considers NFIP reforms ahead of the 2026 Atlantic hurricane season.
Insurance
What Is Renters Insurance and Do I Need It in the US?
Renters insurance protects your belongings and liability as a tenant - learn what it covers and whether you need it.
Insurance
What Is the Minimum Car Insurance Coverage Required in the US
State minimum car insurance requirements vary across the United States, but nearly all states mandate liability coverage to protect others if you cause an accident.
Insurance
How Deductibles Affect Your Home Insurance Premium: A Complete Guide
Learn how choosing the right deductible can lower your homeowners insurance premium while maintaining adequate financial protection for your property.