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.
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
What to Do After a Car Accident to File an Insurance Claim in the US
Learn the critical steps to take immediately after a car accident to protect your rights and file a successful insurance claim.
Insurance
How to Choose the Right Auto Insurance Coverage in the US
Understanding the coverage types and choosing the right auto insurance policy for your situation can protect your finances and meet legal requirements.
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.