Resources

Plain explanations of how insurance actually works — including the parts that get left out of the sales conversation. Every piece has a named author, cites its sources, and shows when it was last updated, because stale insurance information is actively harmful.

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Comprehensive guides to a whole line of coverage. Each one links down to the specific questions underneath it.

Coverage explained
Auto insurance explained: what each coverage actually pays for

An auto policy is six separate coverages sold as one product. Most of them have nothing to do with your car. Here is what each one does.
Coverage explained
Flood insurance explained

A separate policy for the peril your home policy excludes. What it covers, what it does not, and the waiting period that catches people out.
Coverage explained
Homeowners insurance explained: the six parts of the policy

A home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.
Buying guides
How to choose an insurance agent

Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
Coverage explained
Life insurance basics

What a policy actually does, who it is really for, and the difference between the death benefit and the cash value that confuses almost everyone.
Coverage explained
Umbrella insurance explained

A layer of liability coverage that sits above your auto and home policies and engages when they run out. What it does, and what it does not.
Claims
What happens when you file a claim

From the first call to the final payment: who does what, why the first cheque is often smaller than expected, and where the process usually stalls.

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