- The Worst Paperwork in Insurance, and the 30 Minutes That Deletes It
After a total loss, you'll be asked to list everything you owned, from memory, while displaced. A 30-minute video inventory changes that claim entirely.
- Hosting on Airbnb or VRBO: What Your Homeowners Policy Thinks About Guests Who Pay
Homeowners policies exclude business activity, and hosting is business. Platform protections, host endorsements, and when you need a true short-term rental policy.
- The Accidental Landlord’s Insurance Problem
Rent out a house on a homeowners policy and you're carrying the wrong contract. Dwelling fire policies, loss of rents, tenant liability, and the renters-insurance requirement.
- Condo Insurance: The Policy That Starts Where the Association’s Ends
Condo owners insure from the walls in, and where "in" begins depends on the association's master policy. HO-6 coverage, loss assessments, and the deductible trap.
- Solar on the Roof: What Your Policy Thinks of Your Power Plant
Rooftop solar is usually covered as part of the dwelling, if your limits grew with it. Leases vs ownership, ground mounts, batteries, and the hail question.
- The Gadgets Your Insurer Actually Cares About
Water sensors, monitored alarms, smart smoke detectors, auto-shutoff valves: which devices earn real discounts, which prevent real claims, and which are just gadgets.
- The House You Had vs. the House the County Will Allow: Ordinance & Law Coverage
Your policy rebuilds the house you had; the county requires the house code demands. Ordinance and law coverage bridges that gap, and older homes need more of it.
- The Matching Problem: One Damaged Wall, One Discontinued Color
Hail takes one roof slope; the shingles are discontinued. Insurers owe repair of what was damaged; whether they owe matching varies by state and policy. Know before the storm.
- Whose Tree, Whose Problem: The Surprisingly Sensible Law of Falling Trees
Your healthy tree falls on the neighbor's garage: their claim, usually. Your dead tree, different story. The surprisingly sensible rules of tree claims.
- Stepping Into Your Parents’ Insurance: A Field Guide for the Grown Kids
Power of attorney, policies nobody's reviewed since 2009, the house that may sit empty: how adult children step into a parent's insurance life without breaking anything.
