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…
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 to Get the Best Mobile Home Insurance Quote
After quoting a dozen carriers for a 1998 double-wide on leased land, I will say it plainly: the best home insurance for mobile homes is rarely the brand you see advertising during football games. It is a specialty policy written for a factory-built,…
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…
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…
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 Short Term Health Insurance Fast
I have watched too many buyers treat short term health insurance as a cheap version of real coverage, then discover the hospital bill still belongs to them. Here is my direct verdict: these plans earn their premium only for a defined gap, typically…
Temporary Cover vs Parents Policy at 18
Why Temporary Cover Is Tough at 18 If you are 18 and trying to borrow a car for a weekend, here is the blunt answer: temporary car insurance for 18 year olds does exist, but only a small handful of specialists write it, and they will usually quote you…
How to Get Temporary Cover Under 25
What Temporary Car Insurance Really Covers I spent last Saturday phoning round for a 19-year-old nephew who needed two days of cover on his mum’s Corsa, and two of the three insurers I approached would not even quote him. That is the honest state…
Temporary Learner Driver Insurance: What It Really Covers
If you’re a provisional licence holder who needs to practise in someone else’s car, temporary learner driver insurance beats being added to a parent’s annual policy. My straight answer: buy standalone cover for the days you actually…