Articles
Insurance articles.
Short, sourced answers to common questions about car, home, life and health insurance. Every article lists its official sources and shows when it was last reviewed.
29 articles · reviewed 2026-10 · How we verify
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Three questions people ask most.
Which States Require Uninsured Motorist Coverage?See which states require uninsured motorist coverage, which include it unless you decline, and which only require insurers to offer it.Read the article Renters Insurance: What It Covers and Who Needs ItYour landlord's insurance does not cover your belongings. Learn what renters insurance covers, what it leaves out, and how to decide.Read the article Medicare vs. Medicaid: What Is the Difference?Medicare is federal health insurance mainly for people 65 and older. Medicaid is a joint federal-state program based on income. Compare them.Read the article
Car insurance
Car insurance articles
Plain-English explanations of car insurance coverages, limits and deductibles, with state requirements sourced to official agencies.
After an accident: what to do and what to expectA clear sequence helps protect you and your claim. The exact reporting rules and claim systems depend on your state.
Car · 5 minCollision vs. comprehensive coverageBoth coverages protect your own car, but they respond to different events. Your deductible decides how much you pay first.
Car · 5 minIs Car Insurance Required in Every State?Almost every state requires drivers to carry liability coverage or prove financial responsibility. New Hampshire is the exception.
Car · 5 minLiability coverage explainedLiability coverage pays for harm you cause to other people. Understanding limits tells you how much protection you actually have.
Car · 5 minMinimum car insurance requirements by stateEach state sets its own minimum. Here is how to read the numbers, how your selected state compares, and where to confirm the current rule.
Car · 6 minNo-Fault vs. At-Fault Car Insurance: Which States Use WhichLearn how no-fault and at-fault car insurance differ, and see which states use each system, based on each state's own official sources.
Car · 5 minStates That Raised Minimum Car Insurance Limits Since 2018Which states have raised their minimum car insurance limits recently, with the dates and the old and new limits from each state's official sources.
Car · 4 minWhat affects your car insurance rateYour rate comes from your own details and the insurer's rating rules. Here are the factors insurers commonly weigh and sensible ways to compare prices.
Car · 5 minWhat Is an SR-22 and Who Needs One?An SR-22 is a filing, not a type of insurance. Learn what it is, when states may require it, and how long it can stay on file.
Car · 5 minWhat Is GAP Insurance and Do You Need It?GAP coverage can pay the difference between what you owe on a car loan and what your insurer pays after a total loss. Here is how it works.
Car · 5 minWhich States Require Uninsured Motorist Coverage?See which states require uninsured motorist coverage, which include it unless you decline, and which only require insurers to offer it.
Car · 6 minHome insurance
Home insurance articles
What a homeowners policy covers, the gaps worth checking before a loss, and official resources for your state.
Does Homeowners Insurance Cover Water Damage?Sudden pipe bursts are often covered, but slow leaks and flooding usually are not. See what is covered, what is not and what to do first.
Home · 5 minHow to file a home insurance claimThe steps you take in the first days affect how smoothly a claim goes. Document everything and read your policy's requirements.
Home · 5 minFlood and earthquake: why they need separate coverageTwo of the most damaging risks are usually left out of standard homeowners policies. Knowing that before a loss is the whole point.
Home · 6 minHome insurance and your mortgageLenders usually require insurance on a mortgaged home. Understanding escrow and lender rules helps you avoid gaps.
Home · 4 minRenters Insurance: What It Covers and Who Needs ItYour landlord's insurance does not cover your belongings. Learn what renters insurance covers, what it leaves out, and how to decide.
Home · 6 minReplacement cost vs. actual cash valueThe valuation method in your policy changes how much a claim pays. It is one of the most important lines to understand before you need it.
Home · 4 minUmbrella Insurance: Extra Liability Protection ExplainedAn umbrella policy adds liability coverage on top of your auto, home or renters insurance. See what it covers and what it does not.
Home · 4 minWhat homeowners insurance covers and excludesA homeowners policy bundles several coverages. The policy wording decides which causes of loss are covered and which are excluded.
Home · 6 minLife & health insurance
Life & health insurance articles
Term and permanent life insurance, health plan cost terms, and how the ACA Marketplace works in your state.
How the ACA Marketplace worksThe Marketplace is where you can compare and enroll in individual health plans. Which site you use depends on your state.
Life & health · 5 minBeneficiaries explainedYour beneficiary designation decides who receives the death benefit. A few minutes of review can prevent serious problems later.
Life & health · 4 minHMO, PPO, EPO and POS plansThe plan type decides which providers you can see and whether you need referrals. It matters as much as the price.
Life & health · 4 minHow much life insurance do you need?Start with the people who depend on you, then estimate what they would need. This calculator uses a simple, transparent method you can adjust.
Life & health · 5 minMedicare Enrollment Periods: When Can You Sign Up?For most people, Medicare sign-up opens 3 months before you turn 65 and lasts 7 months. Here are the main enrollment periods.
Life & health · 5 minMedicare vs. Medicaid: What Is the Difference?Medicare is federal health insurance mainly for people 65 and older. Medicaid is a joint federal-state program based on income. Compare them.
Life & health · 6 minPremium, deductible, copay and coinsurance explainedFour terms decide most of what you pay for health care. Once you can see how they fit together, comparing plans gets much easier.
Life & health · 5 minSpecial Enrollment Periods for Health InsuranceA life event such as losing coverage, moving or having a baby can let you enroll outside Open Enrollment. Usually you have 60 days.
Life & health · 5 minTerm life vs. whole life insuranceThe two basic types of life insurance are term and permanent. The right one depends on how long you need coverage and what you want to spend.
Life & health · 6 minWhich States Run Their Own Health Insurance Marketplace?See which states run their own ACA marketplace and which use HealthCare.gov, based on 2026 listings, with a link to each state.
Life & health · 4 minLooking for something specific?
Open the glossary for plain-English definitions, or pick your state to see its rules.