Insurance Guides & Articles
Clear, practical guidance to help you understand insurance coverage, compare options, and make confident decisions.
Personal Insurance
Coverage to protect you and your family
Life Insurance
121 guides10-Year Term Life Insurance
Learn when 10-year term life insurance makes sense, how much it costs by age, and whether short-term coverage fits your needs. Compare rates and options.
Read guide1035 Exchange for Life Insurance
Learn how to swap life insurance policies tax-free with a 1035 exchange. Understand IRS rules, when to exchange, and how to avoid costly mistakes.
Read guide1035 Exchanges Explained
Learn how 1035 exchanges let you swap life insurance or annuities tax-free. Discover the rules, benefits, and common mistakes to avoid in 2025.
Read guide20-Year Term Life Insurance
20-year term life insurance is the most popular option for families. Learn about costs (avg. $26-50/mo), coverage amounts, and how to choose the right policy.
Read guide30-Year Term Life Insurance
30-year term life insurance locks in rates for 3 decades. Learn costs, age limits, and whether this extended coverage fits your family's needs.
Read guideAccelerated Death Benefits Explained
Learn how accelerated death benefits let you access your life insurance while living with a terminal illness. Discover qualifying conditions and tax implications.
Read guideAuto Insurance
1055 guides2026 Insurance Rate Forecast
Auto rates moderating to 4%, home insurance up 8%, commercial casualty rising 12%. Swiss Re projections and what drivers, homeowners, and businesses should expect.
Read guideAlabama Auto Insurance
Alabama auto insurance averages $1,687/year. Learn about minimum requirements, uninsured motorist protection, tornado coverage, and how to save.
Read guideAlaska Auto Insurance
Alaska requires higher minimums and comprehensive coverage for moose collisions. Compare rates from limited carriers. Average cost: $2,378/year.
Read guideAlaska Minimum Auto Insurance Requirements
Alaska requires 50/100/25 auto insurance—higher than most states. Learn what coverage you need, costs, and why uninsured motorist protection matters.
Read guideArizona Auto Insurance
Arizona car insurance costs jumped 22% in 2024. Learn about minimum coverage requirements, Phoenix's high accident rates, and how to find affordable rates.
Read guideArizona Insurance in 2026
Arizona auto insurance jumped 22% in 2024. Learn about heat damage, monsoon coverage, flood insurance gaps, and how to save in Arizona's competitive market.
Read guideHealth Insurance
80 guidesACA Marketplace in 2026
Enhanced ACA subsidies expired in 2025. Learn how the subsidy cliff affects 2026 premiums, who qualifies for help, and how to enroll in Marketplace coverage.
Read guideCHIP: Children's Health Insurance Program Explained
Learn how CHIP provides affordable health coverage for children. Find out if you qualify, what's covered, and how to apply for this federal-state program.
Read guideCOBRA Health Insurance Explained
Learn how COBRA health insurance works after job loss, what it costs in 2025 (avg $584/month), how long coverage lasts, and cheaper alternatives to consider.
Read guideCOBRA Health Insurance in 2026
COBRA lets you keep employer health insurance after job loss for 18-36 months, but costs $600-$800/month. Compare COBRA vs ACA subsidies to save money.
Read guideCOBRA Insurance: A Complete Guide
Learn how COBRA insurance works, what it costs ($400-$3,000/month), who qualifies, and whether Marketplace plans might save you money after job loss.
Read guideCatastrophic Health Insurance Explained
Learn who qualifies for catastrophic health insurance, what's covered, and when it makes sense. Understand the $9,200 deductible and new 2026 eligibility rules.
Read guideRenters Insurance
157 guidesAdditional Living Expenses for Renters
Learn how renters insurance covers hotel costs and temporary housing when your rental becomes uninhabitable. Understand ALE coverage limits and time frames.
Read guideAlabama Renters Insurance
Alabama renters insurance costs $15-30/month. Learn what's covered, why landlords require it, and how college students can save. Get tornado & liability protection.
Read guideArizona Renters Insurance
Arizona renters insurance costs $16-$33/month. Learn what's covered, state requirements, flood risks, and snowbird considerations. Get quotes and save money.
Read guideCalifornia Renters Insurance
California renters insurance averages $271/year. Learn what's covered, earthquake gaps, wildfire protection, and landlord requirements in 2025.
Read guideColorado Renters Insurance
Colorado renters insurance costs just $15/month. Learn about hail coverage, Denver's rental boom, and ski town requirements. Get quotes and protect your stuff.
Read guideDC Renters Insurance Guide
DC renters insurance costs $20-21/month. Learn coverage requirements, liability needs, and how bundling saves $287/year in Washington's high-rent market.
Read guideHome Insurance
837 guidesAlabama Home Insurance
Alabama home insurance averages $4,123/year due to tornado and hurricane risks. Learn about windstorm deductibles, flood coverage, and how to cut premiums.
Read guideAlabama Tornado Insurance Guide
Learn what Alabama homeowners need to know about tornado insurance coverage, wind deductibles, and filing claims in Dixie Alley.
Read guideAlaska Earthquake Insurance Guide
Alaska sees 1,503 earthquakes yearly. Learn earthquake insurance costs (avg. $116/year), coverage options, and 10-20% deductibles. Protect your home today.
Read guideAlaska Home Insurance
Alaska home insurance averages $1,035-$1,522/year. Learn about earthquake coverage gaps, winter damage protection, and remote property challenges.
Read guideAnnual Insurance Coverage Review for 2026
Learn why reviewing your insurance coverage annually matters in 2026. Discover how rising construction costs, life changes, and inflation affect your coverage needs.
Read guideArizona Home Insurance
Get affordable Arizona home insurance that covers monsoons and haboobs. Learn what's covered, average costs ($1,991/year), and how new homes save $1,000+.
Read guideUmbrella Insurance
15 guidesArizona Umbrella Insurance Guide
Protect your Arizona assets with umbrella insurance. Learn coverage limits, costs ($400/year for $1M), requirements, and why liability claims are up 35%.
Read guideCalifornia Umbrella Insurance
California's average injury verdict is $1.6M. Learn how umbrella insurance protects your assets from lawsuits for $150-$300/year. Get coverage tips.
Read guideFlorida Umbrella Insurance
Florida's high litigation risk makes umbrella insurance essential. Learn about costs ($150-$400/year), coverage amounts, and why slip-and-fall capital needs it.
Read guideGeorgia Umbrella Insurance
Georgia lawsuit verdicts surged 116% in 2024. Umbrella insurance adds $1M-$5M liability coverage for $200-400/year. Essential protection for Atlanta drivers.
Read guideIllinois Umbrella Insurance
Protect your assets from Cook County's nuclear verdicts. Get $1M umbrella coverage for $1/day. Essential guide for Illinois residents facing lawsuit risks.
Read guideLouisiana Umbrella Insurance Guide
Louisiana's high litigation rate makes umbrella insurance essential. Learn about coverage, costs ($200-$400/year), and why you need it to protect your assets.
Read guideBusiness Insurance
Coverage to protect your business
Business Insurance
265 guidesAdditional Insured Endorsements
Learn how additional insured endorsements work, what they cost ($25-$300), and why contracts require them. Understand CG 20 10 vs CG 20 37 forms.
Read guideAdditional Insured: A Complete Guide
Learn when to add additional insureds, what rights they receive, and how endorsements work. Essential guide for contractors and business owners.
Read guideAggregate Limits Explained
Learn how aggregate limits work in business insurance, when they reset, and how to monitor coverage. Understand general vs products aggregate limits.
Read guideAlabama Business Insurance
Learn Alabama business insurance requirements, costs, and coverage options for manufacturing, aerospace, and construction businesses. Workers comp, liability, and more.
Read guideArizona Business Insurance
Arizona business insurance requirements, costs, and coverage options. Workers' comp mandatory from first employee. Construction, tourism, liability needs.
Read guideBuilder's Risk Insurance Explained
Builder's risk insurance protects construction projects from damage, theft, and weather. Learn who needs it, what it covers, and costs (1-4% of budget).
Read guideOther Insurance
Coverage for recreational vehicles and more
General
530 guidesAbilene Insurance Guide
Complete Abilene insurance guide: understand Texas 30/60/25 requirements, hail protection, average rates ($1,423/yr), and Big Country weather risks.
Read guideAgoura Hills Insurance Guide
Navigate Agoura Hills' challenging insurance market. Learn about wildfire risk, FAIR Plan options, premium rates, and discounts for Santa Monica Mountains.
Read guideAlbuquerque Insurance Guide
Essential insurance guide for Albuquerque residents. Learn about NM's 25% uninsured rate, monsoon flood risks, and coverage needed in the Duke City.
Read guideAlexandria Insurance Guide
Complete Alexandria insurance guide covering auto, home, flood, and life insurance. Learn about rates, flood zones, and federal employee benefits.
Read guideAllentown Insurance Guide
Complete insurance guide for Allentown residents. Understand PA's choice no-fault system, flood risks, and how to get the best rates on auto and home coverage.
Read guideAlpharetta Insurance Guide
Complete insurance guide for Alpharetta, GA residents. Learn about Georgia's at-fault system, average costs, severe weather coverage, and protecting your tech hub home.
Read guideOther
116 guidesActual Cash Value vs Replacement Cost
ACV pays depreciated value; replacement cost pays full replacement. Learn why RCV coverage is worth the upgrade and how much you could save on claims.
Read guideBOP Add-Ons and Endorsements
Learn which Business Owners Policy endorsements protect your business from cyber attacks, equipment failures, and employment claims. Expert guide to BOP add-ons.
Read guideBOP vs Commercial Package Policy
Compare BOP and CPP insurance: BOPs bundle coverage at lower cost for small businesses, while CPPs offer customization for larger or high-risk companies.
Read guideBOP vs General Liability
BOP bundles liability with property and business interruption coverage. General liability only covers third-party claims. Compare costs and coverage.
Read guideBusiness Interruption Insurance
Business interruption insurance covers lost income when disaster forces your business to close. Learn what's covered, costs $40-130/month, and why 48% of small businesses lack this protection.
Read guideCalifornia Auto Insurance
California auto insurance rates jumped 48% in 2024. Learn about new 2025 requirements, Prop 103 protections, and how to save on coverage.
Read guideBoat Insurance
5 guidesBoat Insurance: Complete Guide
Learn everything about boat insurance: hull vs liability coverage, agreed value vs actual cash value, average costs, and state requirements. Complete 2025 guide.
Read guideDo I Need Boat Insurance?
Only 3 states require boat insurance, but marinas and lenders have strict mandates. Learn when coverage is required and why you need it even when it's not.
Read guideHow Much Does Boat Insurance Cost?
Boat insurance costs $300-$600/year on average, typically 1-2% of your boat's value. Learn what affects your premium and how to save on coverage.
Read guidePWC and Jet Ski Insurance
Learn about jet ski insurance costs ($100-$500/year), coverage types, age restrictions, and rental requirements. Get protected on the water today.
Read guideTypes of Boat Insurance Coverage
Learn about essential boat insurance coverage types including hull damage, liability, uninsured boater protection, and towing assistance.
Read guideCondo
7 guidesCondo Insurance in 2026
Liberty Mutual exits California in 2026. Learn HO-6 coverage, master policy gaps, loss assessment needs, and how to protect your condo investment.
Read guideCondo Insurance vs HOA Master Policy
Learn the crucial difference between your HOA's master policy and condo insurance. Discover what bare walls, single entity, and all-in coverage mean for you.
Read guideCondo Insurance: Complete Guide
Learn what condo insurance covers vs HOA master policies, why loss assessment matters, and how much HO-6 policies cost in 2025. Complete guide for owners.
Read guideCondo Loss Assessment Coverage
Learn how condo loss assessment coverage protects you from HOA special assessments. Most policies include only $1,000—experts recommend $50,000 or more.
Read guideCondo vs Homeowners Insurance
Learn the key differences between condo insurance (HO-6) and homeowners insurance (HO-3), including what's covered and critical gaps you need to fill.
Read guideHow Much Does Condo Insurance Cost?
Condo insurance costs $490-$531/year on average. Learn what affects your HO6 premium, from location to coverage limits, and how to save money.
Read guideCyber
6 guidesCyber Insurance for Small Business
Cyber insurance for small businesses averages $145/month in 2025. Learn about coverage options, bundling with BOP, key exclusions, and how to get the best rates.
Read guideCyber Insurance in 2026
Cyber insurance rates dropped 5-6% in 2024, but stricter underwriting now requires MFA, EDR, and immutable backups. Learn what's covered and how to qualify.
Read guideDo I Need Cyber Insurance?
The average data breach costs $4.88M and 60% of small businesses close within 6 months of an attack. Learn if you need cyber insurance and what it covers.
Read guideHow Much Does Cyber Insurance Cost?
Cyber insurance costs $1,000-$7,500/year for small businesses. Learn what affects pricing, how to reduce premiums, and whether coverage is worth it.
Read guideRansomware Insurance Coverage
Learn how cyber insurance covers ransomware attacks, including ransom payments, incident response, and recovery costs. Understand limits and claim denials.
Read guideTypes of Cyber Insurance Coverage
Learn the difference between first-party and third-party cyber insurance coverage. Understand breach response costs, legal defense, and regulatory fines.
Read guideFlood
5 guidesFlood Insurance in 2026
NFIP is $22B in debt with uncertain future. Private flood insurance growing 20% annually. Learn why 60% of homeowners could save by switching coverage.
Read guideFlood Zone Insurance Requirements
Learn when flood insurance is required for your mortgage, what coverage amounts lenders mandate, and how SFHA zones trigger mandatory purchase rules.
Read guideHow Much Does Flood Insurance Cost?
Flood insurance costs $899-$1,064/year on average through NFIP. Learn how Risk Rating 2.0 affects your premium and how private insurance can save you 20-50%.
Read guideNFIP vs Private Flood Insurance
Compare NFIP and private flood insurance on coverage limits, pricing, and claims. Private policies often cost less and cover more than federal programs.
Read guideWhat Does Flood Insurance Cover?
Learn exactly what flood insurance covers for your home's structure and belongings, including critical basement limitations and coverage gaps you need to know.
Read guideRV Insurance
5 guidesFull-Time RV Insurance
Living in your RV full-time? Learn why standard RV insurance isn't enough. Complete guide to full-timer coverage, costs ($1,500-$4,000/year), and what's covered.
Read guideHow Much Does RV Insurance Cost?
RV insurance costs $500-$1,500/year on average. Learn how RV class, full-time vs recreational use, and location affect your premium. Get accurate pricing.
Read guideMotorhome vs Travel Trailer Insurance
Motorhome insurance averages $1,052/year vs $594 for trailers. Learn coverage differences, liability requirements, and costs for Class A/B/C RVs.
Read guideRV Insurance Requirements
What RV insurance is legally required? Learn state minimums, lender requirements, and expert-recommended coverage for motorhomes and travel trailers.
Read guideRV Insurance: Complete Guide
Complete guide to RV insurance for motorhomes and travel trailers. Learn about specialty coverage, full-timer policies, costs, and how to save money.
Read guideLandlord
5 guidesHow Much Does Landlord Insurance Cost?
Landlord insurance costs $1,500-$2,500/year, about 25% more than homeowners insurance. Learn what affects costs and how to save on coverage.
Read guideLandlord Insurance in 2026
Landlord insurance covers rental property damage, liability, and lost income. Learn about DP-3 policies, costs ($800-$3K/year), and critical coverage gaps.
Read guideLandlord Insurance: Complete Guide
Complete guide to landlord insurance covering DP-3 policies, liability protection, and lost rent coverage. Learn costs, requirements, and how to protect your rental property investment.
Read guideRental Property Insurance Requirements
Learn what landlord insurance lenders require, state laws mandate, and lease provisions allow. Essential coverage requirements for rental property owners.
Read guideShort-Term Rental Insurance (Airbnb) in 2026
Learn why homeowners insurance won't cover your Airbnb, what AirCover actually protects, and how specialized STR insurance fills critical gaps in coverage.
Read guideMotorcycle Insurance
5 guidesHow Much Does Motorcycle Insurance Cost?
Motorcycle insurance averages $399/year for full coverage. Learn what affects your premium—bike type, age, location, storage—and how to save on costs.
Read guideMotorcycle Insurance Requirements by State
Motorcycle insurance rules vary by state. Learn minimum coverage requirements, which states don't require insurance, and how helmet laws affect coverage.
Read guideMotorcycle Insurance for New Riders
First-time riders pay 27% more for motorcycle insurance. Learn how safety courses save you 5-15%, what coverage you need, and smart strategies to lower premiums.
Read guideMotorcycle Insurance: Complete Guide
Complete guide to motorcycle insurance covering liability, collision, comprehensive, and riding gear protection. Compare costs and find the best coverage.
Read guideMotorcycle vs Car Insurance
Motorcycle insurance costs 50-70% less than car insurance but offers unique coverages. Learn about seasonal policies, accessory coverage, and why medical coverage matters more for riders.
Read guideReady to get covered?
Our licensed agents can help you find the right coverage at the right price. Get personalized quotes from top-rated carriers.