123 articles
Articles tagged "coverage limits", page 5 of 11.
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.
business insuranceFlorida sets workers compensation thresholds that differ by industry, and its property market is unlike anywhere else. Both change how a small business should buy.
business insuranceIllinois requires workers compensation from the first employee and has a privacy statute that has produced enormous claims against ordinary businesses using fingerprint clocks.
business insuranceWorkers compensation from the first employee, with criminal penalties for going without. Everything else is driven by contracts and landlords rather than by law.
health insuranceThe rule is simpler than people expect and the edge cases are where it goes wrong. What counts, what does not, and what happens the month it ends.
health insuranceOut of network means your insurer has no price agreement with that provider. What follows from that single fact explains almost every surprise medical bill.
health insuranceMeeting the deductible starts cost sharing rather than ending it. What changes, what does not, and why the months afterwards are the cheapest of the year.
life insuranceA contingent beneficiary receives the money if the primary one cannot. Naming one takes two minutes and it is the difference between a three-week payout and a year in probate.
health insuranceA deductible is what you pay before the plan starts sharing costs. Four things it interacts with decide what your care actually costs, and most people know only one.
life insuranceAccidental death and dismemberment pays only for accidents, which cause a small minority of deaths. It is a useful supplement and a poor substitute.
life insuranceIUL credits interest linked to an index, with a floor that protects you and a cap that limits you. Understanding the second is what separates the illustration from reality.