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Rate increases, how a claim settles, and what your policy actually pays.
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Insurance, explained without the jargon.
These are the questions people ask us before they decide anything. Short answers first, the reasoning underneath, and no assumption that you already speak insurance.
Every article
Written by the person who would sit down with you, not by a content agency.
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Auto
Does Car Insurance Follow the Driver or the Car in Missouri?
In Missouri, auto insurance generally follows the vehicle, not the driver. Here is what permissive use means and where the exceptions sit.
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Business
What Does NOC Mean in Workers Compensation?
NOC means "Not Otherwise Classified" — a catch-all workers compensation class code used when no more specific one fits. Here is why the distinction matters.
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Auto
What Does PD Mean in Insurance?
PD means Property Damage liability — the coverage that pays for damage you cause to someone else's property. Here is where it sits on your policy.
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Home
What Is an RDP Insurance Policy?
RDP means Rental Dwelling Policy — the landlord policy that covers a home you rent out. Here is what it usually covers and how it differs from homeowners.
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Medicare
Turning 65? A Guide to Your Medicare Options
What the parts of Medicare actually do, when you can enroll, and how the two main approaches to covering the gaps differ.
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Business
What Does General Liability Insurance Cover for a Business?
The basics of what general liability insurance covers, what it typically excludes, and why many businesses need more than one policy.
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Auto
What Is an Insurance Deductible?
How deductibles work, why they trade off against premium, and what's worth thinking through when choosing one.
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Auto
What Should I Know About Adding a Teen Driver to My Policy?
What changes on your auto policy when a teenager starts driving, and what's worth discussing before it happens.
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Home
Replacement Cost vs. Actual Cash Value: What's the Difference?
How replacement cost and actual cash value settle a claim differently, and why it's worth knowing which one your policy uses before you need it.
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Home
Why Are Home Insurance Rates Increasing?
A plain-English look at the main factors pushing home insurance premiums up, and what's worth reviewing if your own rate has increased.
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