Author
Managing Editor
Sarah Mitchell is the Managing Editor of Best Insurance Guide. She leads the editorial team that researches, writes and fact-checks our guides on home, auto and renters insurance, working with our contributors to verify claims against regulator and industry sources before publication. *Editorial note: contributor profiles reflect current editorial roles. License numbers and verifiable professional credentials are published here as contributors provide them. Our guides are educational and do not constitute personalized financial advice — always confirm details with a licensed agent or your state insurance department before buying.*
Most states don't require boat insurance by law, but Utah and Arkansas do for many boats, and lenders and marinas usually require it anyway. Here's when you need boat insurance, what it costs, and how to insure an older boat.
Landlord insurance usually costs about 25% more than homeowners insurance on the same property. Here is why, what drives the price, whether you need it, and which tenant damage it actually pays for.
Insuring an older mobile home is harder than insuring a newer manufactured home, especially one built before 1976. Here is why insurers hesitate, what coverage looks like, and the upgrades that open doors.
Replacement cost pays to replace what you lost; actual cash value pays what it was worth after depreciation. Here is how each settles a claim, plus extended, guaranteed and functional replacement cost explained.
Renting your home on Airbnb or Vrbo can void parts of a standard homeowners policy. Here is what short-term rental insurance covers, how it differs from AirCover and landlord insurance, and what renters who host need to know.
Coinsurance is the share of a bill you pay after your deductible. Here is what 0%, 20% and 100% coinsurance actually mean, with worked examples, and the very different coinsurance clause in property insurance.
A certificate of liability insurance is a one-page summary of a business's coverage. Here is how to read the ACORD 25 box by box, how to get one, and why it proves less than people think.
An insurance underwriter decides whether to insure you, on what terms and at what price. Here is what they look at, how long underwriting takes, and how to get through it faster.
A waiver of subrogation stops your insurer from suing someone else to get its money back. Here is what that means, why clients and landlords insist on it, and what it costs you.
All Other Perils is the flat deductible on a home policy, and it is the one that does not apply to the claim you are most likely to make in a storm state.
Alabama is one of a handful of states using pure contributory negligence. If you are one percent responsible, you recover nothing. That should change what you buy.
Atlanta premiums vary more between neighbourhoods than most drivers vary between insurers. What drives the metro rating, and the levers that still work inside it.
