Articles & Advice

Plain-English guides to auto, home, health and life insurance: what coverages do, how deductibles and limits work, which discounts exist, and how insurers set your rate.

May 19, 2026

RV and Travel Trailer Insurance: Where It Differs From a Car

Motorhomes, travel trailers and fifth wheels are insured differently from cars, and differently from each other. Here is what changes and what coverages are specific to RVs.

When a Personal Auto Policy Is Not Enough for Business Use

Personal auto policies exclude some business use of a vehicle. Here is where the line falls, what commercial auto covers, and how to tell which side you are on.

Excluding a Driver From Your Auto Policy: How It Works

A named driver exclusion removes one person from coverage entirely. Here is why insurers ask for one, what happens if that person drives, and what the alternatives are.

Rental Reimbursement: A Car to Drive While Yours Is Repaired

Rental reimbursement pays for a rental while a covered repair is under way, up to a daily rate and a cap. Here is when it starts, when it stops and what it will not do.

Roadside Assistance and Towing: What the Coverage Includes

Roadside assistance on an auto policy pays for a tow, a jump start or a lockout, but only up to set limits. Here is what it covers and how it differs from a motor club.

Moving to a New State: What Changes for Your Insurance

Insurance is regulated state by state, so a move changes your required coverages, your policy forms and sometimes your insurer. Here is the sequence.

Insuring a Student Away at College

A student who moves to campus stays on the family policies in some ways and not others. Here is what changes for belongings, liability and the car.

When You Disagree With the Adjuster: Your Options

Disputes about the amount of a loss and disputes about whether it is covered follow different paths. Here is the escalation ladder, in order.

CLUE Reports: The Claims History Insurers See

Insurers check a shared claims database before quoting you. You have a federal right to see the same file, once a year, at no charge. Here is how.

Renovating a Home: Coverage During and After the Work

A renovation changes three things at once: your rebuild cost, your liability exposure, and who is on the property. Here is what to handle before work starts.

Running a Business From Home: Where the Policy Stops

A homeowners policy covers a residence, not a business. Here is the business property sublimit, the liability gap, and the three ways people close them.

Frozen Pipes and Ice Dams: Winter Property Claims

Freeze claims are generally covered, with a condition attached: you have to have taken reasonable steps to prevent them. Here is what that means in practice.

Loss of Use: What Additional Living Expense Pays For

When a covered loss makes your home unlivable, Coverage D pays the extra cost of living elsewhere. Here is what counts as extra, and what limits the clock.

Escrow, Lender Requirements and Force-Placed Insurance

How your insurance gets paid through a mortgage escrow account, what your servicer must do before buying coverage for you, and how to undo it if they have.

Buying Your First Home: The Insurance Timeline

Insurance has to be in place before closing, and the decisions that shape it start earlier than most buyers expect. Here is the sequence, step by step.

This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.