Insurance
Life Insurance Open Enrollment at Work: What to Check in the US
Your employer's open enrollment period is the time to review and adjust your workplace life insurance. Here's what to verify before the deadline.
Megan Russo
Author
Writes about US health and life insurance: ACA marketplace plans, employer benefits, and term-versus-permanent decisions for individuals and families.
- insurance
- health-insurance
- life-insurance
- medicare
Published articles
Insurance
How to File a Home Insurance Claim After a Hurricane in the US
Step-by-step guidance for filing homeowners and flood insurance claims after hurricane damage, including documentation requirements and what to expect from the claims process.
Insurance
Flood Insurance 30-Day Waiting Period: Why to Buy Now Before Next Season in the US
Understanding the 30-day waiting period for flood insurance and why purchasing coverage before storm season starts can protect your home and finances.
Insurance
How to Lower Your Car Insurance Premium Without Losing Coverage in the US
Discover practical strategies to reduce your auto insurance costs while maintaining the protection you need.
Insurance
How Much Homeowners Insurance Do You Actually Need in the US
Learn how to calculate the right amount of homeowners insurance coverage based on replacement cost, property value, and liability needs for US homeowners.
Insurance
How to Choose the Right Auto Insurance Coverage for Your Needs in the US
Compare liability, collision, comprehensive, and additional auto coverage options to build a policy that protects you without overpaying.
Insurance
Gap Insurance for a New Car in the US: Is It Worth the Extra Cost?
Gap insurance covers the difference between what you owe on a car loan and the vehicle's actual cash value if it's totaled or stolen.
Insurance
Renters Insurance Basics for First-Time Renters in the US
Learn what renters insurance covers, why you need it, and how to choose the right policy for your apartment or rental home.
Insurance
What to Do After a Car Accident to File an Insurance Claim in the US
Follow these essential steps after a car accident to protect your rights and file a successful insurance claim, from documenting the scene to notifying your carrier.
Insurance
Identity Theft Protection Insurance: What You Actually Need in the US
Most identity theft insurance policies offer limited value because they reimburse costs you can already dispute for free. Here's what coverage is worth having and what you can skip.
Insurance
7 Essential Facts About Scheduling High-Value Items on US Home Insurance Policies
Standard homeowners and renters policies cap coverage for jewelry, art, and collectibles. Learn how scheduled personal property endorsements and appraisals protect your valuables.
Insurance
How Filing a Claim Affects Your Insurance Premium at Renewal in the US
Learn how auto, home, and other insurance claims impact your premium when your policy renews, and what you can do to minimize rate increases.
Insurance
Cancelling a US Insurance Policy Mid-Term: Short-Rate Fees and When Switching Still Pays
Learn when cancelling your US insurance policy mid-term makes financial sense despite short-rate penalties, and get a practical checklist for managing the switch.
Insurance
How to Estimate Long-Term Care Costs in the US
Long-term care can cost $100,000 or more per year in the US. Learn how to estimate nursing home, assisted living, and home care expenses for your situation.
Insurance
How Much Life Insurance Do You Need to Replace Your Income in the US: The Calculator Method
Use a calculator-based approach to determine the right amount of life insurance coverage to protect your family's financial future if you pass away.
Insurance
Medicare Supplement Plans in the US: Plan G vs Plan N vs Plan F Compared
Understand the key differences between Medicare supplement Plan G, Plan N, and Plan F to choose the right coverage for your healthcare needs.
Insurance
Travel Insurance in the US: What It Actually Covers and When It's Worth Buying
Travel insurance protects against trip cancellation, medical emergencies, and travel delays, but coverage varies widely and may duplicate benefits you already have.
Insurance
How to Calculate Personal Umbrella Insurance Coverage You Need in the US
Learn how to determine the right amount of personal umbrella liability coverage based on your assets, risks, and financial situation.
Insurance
Medicare Advantage vs. Original Medicare: Choosing the Right Plan in the US for 2027
Understand the key differences between Medicare Advantage and Original Medicare to make an informed coverage decision for 2027.
Insurance
When to Review Your Insurance After a Major Life Event in the US
Major life changes require immediate insurance updates to protect what matters most.
Insurance
ACA Marketplace vs. Employer Health Insurance in the US: Which to Choose After Job Loss
Compare ACA marketplace plans and COBRA continuation coverage after losing your job, including costs, subsidies, and enrollment timelines.
Insurance
Wildfire Insurance in California: Coverage Gaps and State Programs
California homeowners face serious wildfire coverage gaps as insurers retreat. State programs offer limited help, but costs are rising and options are shrinking.
Insurance
Business Owners Policy vs General Liability: What Small Businesses Need in the US
Learn the key differences between BOP and general liability coverage, and find out which protection your small business actually needs.
Insurance
Federal Flood Insurance Moral Hazards in the US: What Homeowners Should Know
Federal flood insurance can reduce financial shock after a hurricane, but it can also create uneven incentives. The biggest risk for you depends on whether you can afford to rebuild, relocate, or absorb uncovered losses.
Insurance
Florida Hurricane Insurance Checklist for Homeowners in the US
A quiet hurricane forecast is not a reason for Florida homeowners to wait. Use this checklist to review coverage, document property, and prepare before a storm is named.
Insurance
Who Needs Flood Insurance in Florida Before Hurricane Season in the US
Many Florida residents should consider flood insurance before hurricane season, even outside high-risk flood zones. Standard homeowners and renters policies usually do not cover flood damage.
Insurance
Why Texas Flood Insurance Cancellations Matter for Homeowners in the US
Rising flood insurance cancellations in Texas are a warning sign for homeowners before hurricane season. The bigger issue is whether households understand the flood gap in standard home insurance.
Insurance
How to Calculate the Disability Insurance Monthly Benefit You Need in the US
Estimate a disability insurance benefit by starting with essential monthly expenses, subtracting reliable income, and adjusting for taxes. The goal is income continuity, not replacing every dollar you earn.
Insurance
How Your Credit Score Affects Your Insurance Premiums at Renewal in the US
Learn how credit-based insurance scores impact your auto and home insurance premiums at renewal and what you can do about it.
Insurance
Hurricane Season 2027 Starts June 1: A US Home and Flood Coverage Review Guide
Hurricane season is the right time to review homeowners, flood, wind, and evacuation coverage before a storm is named. This guide explains what US households should check before June 1, 2027.
Insurance
Will Below-Average Hurricane Forecasts Lower Florida Home Insurance Premiums in the US?
Below-average 2026 hurricane predictions are unlikely to immediately reduce Florida home insurance premiums due to market conditions, prior losses, and regulatory lag.
Insurance
Flood Insurance for South Florida Homeowners: Weighing Hurricane Season Risks in the US
As hurricane season approaches, South Florida homeowners face critical decisions about flood insurance coverage and financial protection.
Insurance
Maryland Premium Assistance Program Helps Families Facing Rising Health Insurance Costs in the US
Recent open enrollment data reveal Maryland families are struggling with premium increases, but state assistance programs offer substantial relief for eligible households.
Insurance
Do I Need Flood Insurance for My Home in the US?
Most homeowners policies exclude flood damage. Whether you need separate flood insurance depends on your location, mortgage requirements, and personal risk tolerance.
Insurance
What Is Umbrella Insurance and Who Needs It in the US
Umbrella insurance provides extra liability protection beyond your auto and home policies when you are sued for damages.
Insurance
How to Protect High-Value Items and Jewelry with Homeowners Insurance Riders
Learn how to properly insure expensive jewelry, art, and collectibles with specialized homeowners insurance riders that go beyond standard policy limits.
Insurance
How Your Credit Score Affects Your Insurance Premiums
Your credit history plays a significant role in determining what you pay for auto and home insurance across most US states.
Insurance
Mid-Year Insurance Review: 6 Policies to Reassess in June
June marks the halfway point of the year and an ideal time to review your insurance coverage. Learn which six policies deserve a closer look and what to adjust.
Insurance
How to Build an Emergency Fund to Support Your Insurance Strategy
Learn how to calculate, build, and maintain an emergency fund that works alongside your insurance coverage to protect your finances from unexpected expenses.
Insurance
How to Choose Health Insurance: A Complete Guide for US Consumers
Learn how to evaluate health insurance plans by comparing costs, coverage, networks, and benefits to find the right option for your medical needs and budget.