Blog
Insurance, decoded.
Plain-English articles on coverage, claims, risk management and the fine print, written by people who read insurance policies for a living.
Homeowners Insurance Premiums Are Rising. Here is What You Need to Know.
Homeowners insurance premiums increased 10.4% nationally in 2024, with Nebraska seeing the highest jump. Insurers like American Family led rate hikes, while…Read more →
New Minimum Liability Insurance Limits Coming to California: What You Need to Know
California's Senate Bill 1107 increases personal auto insurance minimum limits to 30/60/15 starting January 1, 2025. This change will impact policies with…Read more →
Admitted vs. Non-Admitted Insurers: What California Homeowners Must Know
Homeowners in California must choose between admitted and non-admitted insurers. Understanding the risks, benefits, and available protections can help you make an…Read more →
Navigating California’s Insurance Crisis: Protecting Your Home and Mortgage with the California FAIR Plan
If you're a homeowner in California, don't wait for an insurance crisis to hit. Keep your property well-maintained, stay informed about your…Read more →
Navigating Insurance Challenges: What California Homeowners Need to Know About Non-Renewals
The rise in homeowners insurance non-renewals in California is making it harder for many to secure coverage. This post explores the reasons…Read more →
Rising Wildfire Risks: What California Urban Homeowners Need to Know Now
Wildfire risks in California are shifting from rural to urban areas, driven by climate change and technological advancements. Homeowners and insurers face…Read more →
Understanding Auto Insurance Scores: What You Need to Know
Your auto insurance score, derived from your credit report, significantly impacts your insurance premiums. Learn how improving your credit score can lead…Read more →
Why General Liability Isn’t Enough: The Importance of Professional Liability Insurance for Contractors
Why General Liability Coverage Alone Isn’t Enough When it comes to construction projects, General Liability insurance is essential but not always sufficient.…Read more →Valuables Insurance for College Students
When it comes to safeguarding your most cherished possessions, relying solely on a basic homeowners policy might leave you with gaps in…Read more →
DMV Point System: What It Is and How It Works
This guide explains the DMV point system, detailing how points are added for various traffic violations, how long they stay on your…Read more →Additional Insured Form Comparison
Updated as of August 12, 2024 CG 20 10 (Edition 11/85) CG 20 10 (Edition 10/01) CG 20 37 (Edition 10/01) CG…Read more →
Cyber Liability Insurance and Tech Outage. Lessons from July 19 Outage
The recent July 9 global technology outage has prompted a reassessment of cyber policy wordings. This incident highlights the need for standardization…Read more →Make insurance the easiest thing on your to-do list.
Questions? We speak insurance and plain English. Fast quotes, actual humans, and not a single envelope to lick.