The First Time Home Buyer’s Home Insurance Playbook
My first mortgage lender nearly blew up my closing because I waited until week three of escrow to start shopping for coverage — that panic taught me the single most important rule: the best home insurance for first time home buyers is not the cheapest…
Top Rated Short Term Health Insurance Guide
When I help clients find the best short term health insurance companies, I start with a blunt warning: the cheapest premium is rarely the best deal. I’ve watched a $120-a-month plan leave a client with a $15,000 hospital bill because a pre-existing…
Short Term Plans for Self Employed Families
Self employed and staring down $700 monthly marketplace quotes, I did what most freelancers do: I priced out short term health insurance for self employed buyers. My verdict up front — these plans are temporary bridges, not replacements for major…
Are $60 Short Term Health Plans Worth Buying?
When I sat down to price coverage for my brother after he left his job, the real answer to how much does short term health insurance cost caught us both off guard: roughly $60 to $150 a month for a healthy thirty-year-old, and $250 to $500 once you cross…
Which Is Better: Short Term vs COBRA?
Short Term Health Insurance vs COBRA: What I Tell Friends Before They Choose When I compare short term health insurance vs COBRA for a friend who just lost a job, the answer usually comes down to one question: do you need your current doctors, prior…
How Long Can Short Term Plans Be Renewed?
How Long Can You Have Short Term Health Insurance? Short term health insurance is built to be a bridge, not a home, and the length of that bridge is where most buyers get hurt. The blunt answer: in permissive states a single policy can run up to 364 days…
How to Decide if Repair Coverage Pays Off
I asked myself whether auto repair insurance is worth it the week my 2016 Subaru needed a $2,300 head gasket, and after three years of comparing premiums against real repair bills, my answer is blunt: not worth it for most drivers who keep $2,000 in…
Best Rated Home Insurance: What Ratings Miss
After twelve years selling, auditing and occasionally arguing about homeowners policies, I will give you the blunt version: the best rated home insurance is the carrier that pairs an A-grade balance sheet with a complaint ratio near zero, not the company…
Transmission Repair Denied? How to Fight the Claim
Does Car Insurance Ever Cover Transmission Repair? Does car insurance cover transmission repair? Only when the transmission breaks because of something your policy already insures — a crash, a flood, a fire, or road debris punching through the pan. Wear…
How to File an AC Repair Insurance Claim
Does car insurance cover AC repair? Rarely, and I would rather tell you plainly than watch you file a claim that quietly dies in underwriting three weeks later. Standard policies pay for AC damage caused by a specific, identifiable covered event — a…