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Auto, home, renters, life, disability, health, umbrella, pet, and travel insurance. Carry the coverage you need and stop overpaying for it.
Find the carrier’s protection plan on your wireless bill. It costs up to about $25 a month per phone, and a family of four paying $15 a line spends $720 a year on it. A card’s coverage costs nothing extra….
COBRA feels like the safe choice because you keep the same plan and doctors. What changes is the price. Employers pay most of the premium for active workers, so if yours covered 85%, COBRA costs nearly seven times what you…
A medical bill is supposed to come last, after your provider files a claim and your insurer sends its decision in an explanation of benefits (EOB). A wrong bill is far easier to fix before you pay it than after….
Start with what you carry now. Your declarations page, the coverage summary at the front of your policy, usually shows liability limits as three numbers, such as 30/60/15. A 30/60/15 policy pays up to $30,000 for each person you injure,…
Homeowners claims for water damage and freezing averaged about $15,400 from 2019 through 2023, according to the Insurance Information Institute, and only wind and hail claims were more frequent. Slow leaks start out of sight. A loose hose drips inside…
Say a washing-machine hose bursts and the floor repair runs $3,000. With a $1,000 deductible, the claim pays $2,000, which looks like an easy call. It isn’t. The National Association of Insurance Commissioners says the number and kind of claims…
The building is insured, so it feels like everything in it must be too. Then a kitchen fire or a burst pipe hits, and the landlord’s insurer pays to fix the building while replacing everything you owned falls to you….
The difference shows up the day a storm takes your roof. Say hail wrecks your 10-year-old shingle roof, a new one costs $12,000, and your deductible is $1,000. With replacement cost, the insurer pays $11,000 after your deductible. With actual…
HealthSpring is Cigna’s former Medigap line, which Health Care Service Corporation (HCSC) bought in March 2025 and finished rebranding in September 2026. It suits price-first shoppers, especially in Columbus and Dallas. Key Features Pros Cons Price-first shoppers in Columbus and…
UnitedHealthcare insures the plans, pays AARP a disclosed royalty for the name, and requires a $20-a-year AARP membership to apply. They fit couples and buyers who value the largest insurer over the lowest premium. Key Features Pros Cons Couples and…
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