Review the financial risks your household would struggle to absorb and protect your money from fraud.
Guides 1–16 of 33
An Insurance Coverage Checkup: Find the Risk Before Comparing the Price
An insurance checkup is a review of the financial losses a household could struggle to absorb. Start with the risk and existing contract, then compare quotes.…
Read MoreLife Insurance: Match the Benefit and Term to the People Who Depend on You
Life insurance is a way to fund obligations that could remain after someone dies. Start with who would lose income or unpaid household work, what they…
Read MoreLong-Term Care Premium Increase: Compare Your Written Options Before Cutting Coverage
Compare the insurer’s written premium options, the protection each keeps and the costs your household would need to cover before reducing or cancelling coverage.
Read MoreDisability Insurance: Compare the Income Gap, Waiting Period and Claim Rules
Disability income insurance can replace part of earnings when an illness or injury meets the policy’s definition of disability. It is different from medical insurance, which…
Read MoreLong-Term Care Insurance: Compare the Care It Pays For and the Cost You Keep
Long-term care planning concerns help with daily life when illness, disability or cognitive impairment makes independent living difficult. Care can happen at home or in a…
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Protect Against Identity Theft: Start with Free Credit Freezes
Identity protection starts with controlling access and noticing changes, not buying a monitoring subscription. A credit freeze can make it harder for someone to open new…
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A Pause-and-Verify Routine for Suspicious Money Requests
A frightening message can make an unusual payment feel urgent. Before reacting, separate what the sender claims from what you can verify. You do not need…
Read MoreAn Online Banking Security Checklist You Can Maintain
Online banking security is a routine of protecting access, checking activity and knowing how to get help. A secure connection does not stop someone from persuading…
Read MoreFlood Insurance: Check Coverage, Deductibles and the Start Date
Flood insurance can help with a covered loss, but buying a policy does not mean every flood-related expense will be paid. Start with the property and…
Read MoreHurricane Insurance: Separate Wind, Flood and Named-Storm Deductibles
A hurricane insurance review is a comparison of contracts, not a search for one reassuring label. Write down which policy would respond to wind damage, flooding…
Read MoreEarthquake Insurance: Compare Coverage and Deductibles in Dollars
Earthquake insurance is useful to evaluate by asking what loss the household would keep after the contract pays its covered share. A large stated limit is…
Read MoreWildfire Insurance: Check Fire Coverage, Exclusions and Living Expenses
Wildfire insurance is not always a separate product. Start with the fire coverage in your homeowners policy, then read the exclusions and endorsements. The NAIC explains…
Read MorePersonal Umbrella Insurance: Check Underlying Limits and Exclusions
Personal umbrella insurance can add a layer of liability protection above specified underlying policies. The NAIC distinguishes personal umbrella and excess liability from business coverage. These…
Read MoreBoat Insurance: Compare Liability, Damage and Navigation Limits
Possibly, within narrow limits. The Washington insurance regulator warns that homeowners coverage may be insufficient for boats and personal watercraft, and larger boats may need a…
Read MoreMotorcycle Insurance: Compare Liability, Bike Damage and Medical Coverage
Motorcycle insurance should match the motorcycle, its riders and its use. Tell the insurer about commuting, occasional trips, modifications, storage and any delivery or other paid…
Read MoreRV Insurance: Separate Motorhome, Trailer and Full-Time Living Risks
Start by identifying whether you have a drivable motorhome, a travel trailer or a fifth wheel. Give the insurer the vehicle details and describe how often…
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