55 articles
Expert guides, comparisons and tips tagged "insurance basics".
home insuranceAll 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.
health insuranceCOBRA premiums are a qualifying medical expense, which sounds better than it is. Three routes make them genuinely deductible and most households qualify for none of them.
business insuranceNorth Carolina sets its workers compensation threshold at three employees, which catches growing Charlotte businesses at exactly the wrong moment.
business insuranceA sole proprietorship has no legal separation between the owner and the business, which means a business liability reaches personal assets directly. That is the whole argument.
business insuranceGeorgia sets its workers compensation threshold at three employees and splits into two property markets at the coast. Both change what a business here should buy.
business insuranceNew Jersey requires workers compensation from the first employee with no small-employer exemption. General liability is not required by law and is required by everybody else.
business insuranceAn umbrella sits above your existing liability policies and pays when they run out. It is the cheapest large limit available and it will not fix a gap underneath it.
health insuranceCancelling is almost always allowed. Getting back in is not, because enrolment is restricted to open enrolment and qualifying life events. That asymmetry is the whole answer.
health insuranceMedicare starts at 65 for nearly everyone. Retiring at 62 means bridging three years, and the options are better than most people expect if you plan the income.
car insuranceA non-owner policy covers your liability when you drive vehicles you do not own. Who genuinely needs one, what it refuses to cover, and why a gap in cover is expensive.
business insuranceA caterer works in other people's buildings, serves food to strangers and frequently pours alcohol. Each of those is a separate policy and the third is the one that ends businesses.
health insuranceSome plans run drugs through the medical deductible, some use a separate drug deductible, and some charge copays that never touch it. All three are common.