- How We Get Paid: The Honest Answer to the Question Nobody Asks Out Loud
Commissions, contingencies, and why our quotes don't cost you extra: a plain-spoken explanation of the independent agency business model, from one.
- The Scores Insurance Keeps on You (and How to See Yours)
Beyond the credit factor: claims history scores, CLUE reports, tenure, and the other hidden numbers carriers keep on you, plus how to see and improve them.
- Public Adjusters: The Hired Gun of Big Claims, Explained Neutrally
A public adjuster works for you, not the carrier, for a cut of the claim. When that trade makes sense, when it doesn't, and how to hire one without getting hustled.
- The Nonrenewal Letter: What It Actually Means and the 60-Day Playbook
Nonrenewal isn't cancellation, and it isn't personal, but the clock is real. Why carriers exit, your notice rights, and the playbook for landing well.
- The Market Behind the Market: How Surplus Lines Insurance Works
Coastal homes, wildfire zones, unique properties, hard-to-place risks: the E&S market exists for exactly these. How surplus lines works and what changes for you.
- The Second Check: How Recoverable Depreciation Actually Gets Paid
Replacement cost claims pay in two stages, and the depreciation holdback is only released when you finish repairs and file for it. How the mechanism works, deadlines included.
- The Two Endorsements That Keep Your Dwelling Limit From Lying
Construction costs outrun policies, and disasters spike them further. The two endorsements that keep your dwelling limit honest, and the trap of guaranteed-sounding names.
- The Smallest Coverage on Your Policy Might Be the Most Civilized
MedPay on home and auto policies pays guest and passenger injuries without fault fights. Why the smallest coverage on your policy punches above its premium.
- The Coverage That Pays for the Year You Can’t Live at Home
When damage pushes you out, additional living expense coverage pays the difference. What counts, what doesn't, how long it lasts, and the receipts habit that decides it.
- Fraud: The Line Item Hiding in Everyone’s Premium
Fraud adds hundreds to the average household's premiums, and some scams target you directly: staged accidents, storm chasers, fake adjusters. The field guide.
