Repair Insurance Cost by Car Age and Model
Last spring I spent three weeks collecting quotes for my wife’s aging Subaru, and the blunt answer to how much auto repair insurance costs is a range rather than one number: roughly $1,500 to $4,000 for a multi-year contract, with most drivers…
How to Buy 1 Day Car Cover
After wasting a Saturday ringing eight call centres just to drive a borrowed hatchback to a wedding, here is my blunt verdict on 1 day car insurance: it works, it is legal, and it can be cheap — provided you buy it before the keys change hands. Almost…
How to Get Instant Coverage Today
Last spring a client’s coverage disappeared on a Friday and was approved again by Saturday breakfast. That is the promise instant short term health insurance makes, and it usually keeps it. I buy these policies myself for two-month bridges, never…
Why Short Term Health Insurance Leaves Gaps
I’ll give you the blunt answer first: for anyone managing a chronic condition, a pending diagnosis, or an expensive prescription, short term health insurance vs ACA coverage isn’t a close contest — the marketplace plan wins nearly every time.…
Short Term Coverage Between Jobs: Full Guide
Short Term Health Insurance Between Jobs Explained,Short Term Plan vs COBRA Between Jobs,How to Bridge Coverage Between Jobs Safely,Short Term Coverage Between Jobs: Full Guide,Short Term Plans Between Jobs: The Real Risks Short Term Health Insurance…
How to Bridge Coverage Before Medicare Turns 65
If you’re staring down the gap between leaving a job and turning 65, my blunt conclusion is this: short term health insurance before Medicare can plug the hole affordably, but it is not comprehensive coverage and it will drop you the moment you…
Older Homes: Replacement Cost vs Cash Value
After chasing quotes from eleven carriers for a 1927 four-square with knob-and-tube wiring still buried in two walls, here is the blunt answer: the best homeowners insurance for older homes is never a brand name. It is a replacement-cost policy from a…
Home Insurance Exclusions vs Separate Policies
What Home Insurance Does Not Cover: Exclusions That Change Your Risk I tell every homeowner the same thing: what does home insurance not cover matters more than the glossy covered-perils list, because flood, earth movement, wear and tear, pests, and mold…
How Much Water Backup Coverage Do You Need?
My honest take after watching these claims land for years: water backup coverage on a homeowners insurance policy is the cheapest five-figure protection people routinely skip, right up until a floor drain turns a basement into a hazmat site. Standard…
How to Buy Service Line Coverage Before Closing
The hardest lesson I have learned reviewing home insurance claims is that service line coverage on homeowners insurance gets tested at the worst possible moment, usually after a sewer lateral collapses under the front lawn. My verdict is blunt: buy the…