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Insurance, decoded.
Plain-English articles on coverage, claims, risk management and the fine print, written by people who read insurance policies for a living.
Don’t Skip This Before Getting Home Insurance: Check Your Electrical Panel
🚨 If you’re a homeowner or landlord planning to apply for home insurance or a landlord/lessor’s risk policy, take a moment to…Read more →
California Insurers Add New Fee After FAIR Plan Assessment Surcharge
After the 2025 wildfires, California insurers are adding a surcharge to property policies to recover FAIR Plan costs. Travelers will start charging…Read more →
Defending Your Home from Wildfires: Affordable Ways to Lower Insurance Costs
Wildfires are a growing threat, but homeowners can protect their properties with ember-resistant vent covers, fire-resistant materials, and regular maintenance. Learn how…Read more →
How to Handle Wildfire Insurance Claims Safely and Effectively
During Southern California wildfires, policyholders should work directly with their insurance provider to settle claims before hiring third-party adjusters or attorneys. Educating…Read more →
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 →
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 →
The Current State and Future Prospects of Auto and Homeowners Insurance in the U.S.
The U.S. personal lines insurance industry, covering auto and homeowners sectors, faces challenges like underwriting losses and economic shifts, but advances in…Read more →
Saving Insurance for Californians: Safer from Wildfires and Insurance Costs
Summary: Insurance Commissioner Ricardo Lara introduces California's Sustainable Insurance Strategy to protect consumers, address climate change challenges, and ensure long-term insurance market…Read more →
The Secrets Houses Keep: How to Investigate Before You Buy
Ensure the house you're eyeing doesn't hold unpleasant surprises. Dive into effective interrogation strategies for uncovering potential secrets before sealing the deal.Read more →Make insurance the easiest thing on your to-do list.
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