Insurance 101 - The Insurance Basics You Need Covered Now

Umbrella Insurance, Gap Insurance and Car Insurance, Plus More

Home insurance - better safe than sorry...
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Just getting your first home insurance or car insurance? Moving out on your own? Need to know just the facts to get yourself covered? Here are some "Insurance 101" basics to help you. Scroll through the most popular insurance categories and find informative articles on affordable health insurance, gap insurance, umbrella insurance, and car insurance to help you understand more about some common insurance coverages and terms you can also learn more about insurance shopping in this article on what makes one insurance company more expensive than another.

Using Your Deductible to Save Money and How It Works

No matter what kind of insurance you have, you have probably heard about a deductible. Here are the basics on what is a deductible, and examples of deductible waivers.

Car Insurance Tips:

paying for car insurance illustration
What Cars Are Among The Most Expensive for Insurance? This list might surprise you.  

Why do you need a five-step guide to auto insurance shopping? Because, if you want to get the best coverage for your buck, shopping smart for your car insurance is the way to do it, and car insurance is one of the top ways to chisel down your insurance budget if you know how to do it right.

When it comes to car insurance there are a lot of factors to think about. Who did consumer rate the top car insurance providers for Claims, Price, and overall customer satisfaction near you? The results are in on this survey, check it out.

Get your automobile insurance policy and compare your savings to see if you are getting all of the discounts you are entitled to. You may also want to check out 10 Things That Can Make the Cost Of Your Car Insurance Renewal Go Up to take control of your insurance costs and keep that premium down.

Just need to know the minimum coverage the law requires? Find your State-by-State Auto Minimum Requirements for liability and property damage and learn how to understand the limits.

Gap Insurance
Ahhh... that new car feeling. Ouch, that new car is crashed! Thank goodness you bought gap insurance... or did you? Full coverage may not be enough. Find out why gap insurance is usually always needed with a new car purchase.

average cost of home insurance
The cost of home insurance is constantly increasing, but how much can we really expect to pay? What is the average cost, and what factors make it more or less expensive?. Portishead1/E+/GettyImages 

Homeowners and Renter's Insurance:

Home Owners Insurance 101
Owning a home takes a lot of effort and responsibility, but unfortunately, a lot of homeowners are not protecting their home with enough homeowners insurance. Taking the time to understand your homeowner's insurance will get you on the path to making sure your investment is protected. Learn about the average cost of home insurance here.

Renter's Insurance: Why and How Much?
Even if you have no personal property, renter's insurance is still important just for the liability protection it provides. Renters insurance can also help you maintain your independence if you have to live somewhere else because your building has a fire, or rental is uninhabitable after a claim. Find out more about why if you rent, you need renter's insurance.

Condo or Co-op Insurance Basics

Condominium insurance and co-op insurance are different than a home or renter policy. Learn about Loss assessment and all about condo and co-op insurance in our guide here.

Umbrella Insurance:

Why Every Policyholder Needs Umbrella Insurance
Umbrella insurance is not just for the wealthy. With the common occurrence of lawsuits, learn why umbrella insurance is a must for every home, auto, and watercraft owner.

Legal Protection Insurance

Would your life be different if you had a lawyer? Legal Insurance can provide you with a variety of services so that if you need help understanding a contract, are worried about a dispute, or even need help making sure your rights are respected, for as little as $15-$30 a month, you can obtain legal help. This insurance can not only save you money, but can help make sure you get the money you deserve in a dispute. Find out more here:

  • How much does legal insurance cost?
  • Who can benefit from legal insurance?
  • 23 Situations legal insurance can help with
  • List of Insurance Companies That Offer Legal Insurance or Pre-Paid Legal
  • How To Choose the Best Legal Insurance Plan

Home and Car Insurance Reasons for Cancelation

Need help understanding how to negotiate with an insurance company to avoid cancelation? How about trying to figure out if it is worth your while to cancel your policy? Sometimes you can save money and gain advantages when you switch to a new insurance company.

Life Insurance:

Life Insurance 101
A life insurance policy is so important. Parents and anyone who has someone depending on them should purchase it. Life is so unpredictable and leaving your loved ones to grieve the loss of you on top of no financial support should never be an option.

Term Life Insurance: A Low-Cost Life Insurance Option
Need life insurance but feel you don't have enough in your budget to pay the premiums? Take a look at the budget friendly option of term life insurance.

Whole Life Insurance Choices
Are there choices in whole life insurance? Is it a good investment tool? Learn about your choices and investment information here.

Wedding Insurance

Specialty insurance products like wedding insurance may be worth looking into if you plan on getting married and want to protect your investment in your special day. Learn more about Wedding insurance.

Health Insurance:

Health Insurance 101
Wondering how to figure out what health insurance plan makes sense for you? Learn more about how to find and compare affordable health insurance.

Health Care Concepts

Health Savings Accounts or HSA's can give you big tax advantages while helping to cover your medical expenses. FSA's are also an option, learn more about how to use your HSA or FSA, which is better and how they work.

Find out about different qualifications for Medicare and Medicaid. Learn more about Preventative Care Coverages.

patient in doctors office asking questions
How to get to the bottom of understanding your health insurance bill and medical billing.  Pattanaphong Khuankaew / EyeEm / GettyImages


The statistics are startling when it comes to the amount of uninsured Americans. But what does one do when they don't have a job and can't get affordable individual or family health insurance? Or, what about all the families that have jobs but still cannot afford the health insurance offered by their employers and can't find an option for affordable health insurance?