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 and reviewer network 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.*
car insuranceAn SR-22 is not insurance. It is a filing your insurer makes for you, and a non-owner policy is how you get one without a car. Here is how the pieces fit.
home insuranceColorado renters face the country's worst hail belt and a wildfire risk that reached the suburbs. What a standard policy covers here, and the gaps to close.
home insuranceIndiana renters pay some of the lowest premiums in the country and have some of the weakest statutory remedies against a landlord. That combination changes what you should buy.
car insuranceTowing and labour cover on a personal policy is a few dollars a year. Towing insurance for a tow truck business is a commercial package. They are not related.
insurance guidesBecause you are buying less insurance and taking on more risk yourself. The mechanism is straightforward, and the reason the saving flattens out is the interesting part.
car insuranceNo insurer gives you coverage for nothing. What zero down policies actually do is move the money later and charge you for the privilege. Here is the arithmetic.
motorcycle insuranceMotorcycle premiums range from under $200 to over $2,000 for the same rider. What actually drives the spread, and the levers that reliably cut it.
car insuranceThe first hour decides the claim. What to document, whether to claim on your own policy or theirs, and the money most people never think to ask for.
motorcycle insuranceA standard policy settles an old bike at depreciated market value. Classic cover agrees the figure in advance, and the conditions attached are the trade.
car insuranceCar insurance generally follows the vehicle, and the driver's own policy sits behind it as backup. The exceptions that leave someone personally exposed.
home insuranceYour appliances are covered against fire and flood damage, never against simply failing. And the landlord's dishwasher flooding your flat is a different claim entirely.
home insuranceYour bike is covered wherever it is stolen from, but sublimits and the deductible frequently make the claim pointless. And e-bikes are often excluded entirely.