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.*
home insuranceElectronics are covered against theft and named perils, but they depreciate faster than anything else you own. The setting that decides what you actually get.
home insuranceFire is the peril renters insurance handles best. Smoke without flame, firefighting water, hotel costs, and the liability claim if the fire started with you.
home insuranceRenters insurance covers mold only when it grows from a sudden covered leak, and usually caps it near $5,000. The test adjusters apply, and how to pass it.
home insuranceRenters insurance follows your belongings into a storage unit, but usually caps off-premises cover at 10% of your contents limit and drops several perils.
car insuranceGap insurance pays the difference between your loan balance and what the insurer calls your car worth. How it works, what it costs, and when to skip it.
home insuranceHazard insurance is not a separate policy. It is the dwelling part of your homeowners insurance, and it is the part your lender actually cares about.
car insuranceYou can switch car insurance any day of the year and get a pro-rata refund. The order the steps must happen in, and the one mistake that costs real money.
motorcycle insuranceArizona sets some of the lowest liability minimums in the country and lets riders filter. Why the minimums are dangerous and what heat does to a claim.
motorcycle insuranceWhat motorcycle insurance costs and what each state actually requires. Why Florida is different, what average premiums reflect, and how riding season changes price.
motorcycle insuranceColorado now permits limited lane filtering, sits in the worst hail belt in the country, and sends riders over passes. All three change what to carry.
motorcycle insuranceFlorida does not require liability insurance to register a motorcycle. What the financial responsibility law actually demands after a crash, and why it still matters.
motorcycle insuranceGeorgia requires every rider to wear a helmet regardless of age, which changes injury outcomes and what your policy has to absorb. What to carry in metro traffic.