US insurance, explained
Insurance made clear, for where you live.
Straightforward guides to car, home, and life and health insurance. Choose your state and every page shows what applies to you, with the rules traced to official sources.
Personalize
Where do you live?
We use your state to show its requirements and official contacts.
Your choice is saved on this device only. Pick any state to personalize the site.
Car insurance
Know what you are paying for before you need it.
A car policy is several coverages in one. Learn what liability, collision and comprehensive each do, why your state matters, and how limits and deductibles shape the money you receive after a claim.
- Each coverage explained in plain English
- A worked example of how a deductible changes a payout
- State requirements, sourced to official agencies
Home insurance
Understand what your policy rebuilds, and what it does not.
Your home is a major financial asset for many households. See how dwelling, belongings and liability coverage fit together, and learn about the gaps, such as flood and earthquake, that standard policies commonly leave to separate coverage.
- The main parts of a homeowners policy
- Replacement cost compared with actual cash value
- Common gaps worth checking before a loss
Life & health insurance
Protect the people who rely on you, and your own care.
Life insurance can replace income for the people you name. Health insurance shapes what care really costs. Compare term and permanent life coverage and learn the cost terms that decide your out-of-pocket spending.
- Term and permanent life insurance, side by side
- A life insurance estimator with clear assumptions
- How the ACA Marketplace works in your state
Our standards
What you can expect from every page.
Primary sources first
State insurance departments, federal agencies, the NAIC and official insurer documents come before any secondary source.
State rules stay state rules
We never turn one state's requirement into a national claim.
No invented numbers
Averages and statistics appear only with their source, date, geography and method.
No rankings without a method
We do not call an insurer best or cheapest unless a defined method supports it.
Start with the decision in front of you.
Pick the topic closest to your next renewal, purchase or enrollment. Each guide ends with sources and the questions worth asking your insurer.