The Blog

QUICK ANSWER How you opt to pay for insurance really changes how much you actually spend. Often, the method of pay affects the bottom line. Paying monthly might seem easier right away, but it usually comes with extra fees. These fees can tag an extra 10% onto what you pay each year, compared with just […]

QUICK ANSWER Motorcycle helmet laws vary by state and fall into three general categories: universal requirements for all riders, partial laws based on age or experience, and no helmet requirement at all. While helmet laws do not determine whether a rider can purchase motorcycle insurance, they influence statewide safety outcomes and injury severity, which insurers […]

QUICK ANSWER No US state requires renters insurance by law, but landlords in every state may require it through a lease agreement. What differs by state is how much authority landlords have when setting and enforcing insurance requirements. Some states include tenant protections that limit how renters insurance terms can be applied, such as restricting […]

QUICK ANSWER Earthquake damage is not covered by standard homeowners insurance policies in the United States. Homeowners who want protection must purchase earthquake coverage separately, either as an endorsement added to an existing policy or as a standalone earthquake insurance policy. Availability varies by state and insurer, with broader access in states that face higher […]

QUICK ANSWER During the SR-22 period, maintaining continuous auto insurance coverage is critical because any lapse signals noncompliance with state financial responsibility requirements. States handle SR-22 coverage lapses differently. Some apply a zero tolerance approach that can trigger immediate license or registration suspension and force drivers to restart the SR-22 filing period. Others rely on […]

QUICK ANSWER Homeowners insurance costs are rising nationwide due to climate risk, higher rebuilding expenses, and insurer losses. As premiums increase and coverage becomes harder to obtain in high-risk areas, insurance affordability is becoming a growing barrier to homeownership, influencing where people buy homes and how much they can afford. The financial math of owning […]

QUICK ANSWER Commercial auto insurance for non‑business owners provides coverage for drivers who need a commercial policy but do not own a business, such as independent contractors, leased drivers, or gig economy workers. Eligibility and requirements vary by state, but generally you must show that your use of a vehicle is tied to an income‑producing […]

QUICK ANSWER Renters insurance can be both affordable and effective at protecting your personal belongings. To find cheap renters insurance that still provides the coverage you need, start by comparing quotes from multiple providers so you can spot the best rates. Choose appropriate coverage limits that match the value of your possessions, and consider raising […]

QUICK ANSWER An SR22 isn’t a type of insurance, it’s a certificate of financial responsibility your insurer files with the state to prove you have the required minimum liability coverage after serious driving violations like DUIs, driving without insurance, or multiple moving violations. To meet SR22 filing requirements, you must maintain continuous auto insurance that […]

QUICK ANSWER Commercial auto insurance protects businesses that use vehicles for work by covering liability for bodily injury and property damage, as well as physical damage to the business vehicles from collisions, theft, vandalism, or weather events. Policies can include liability, collision, comprehensive, uninsured/underinsured motorist, and optional medical payments coverage. It’s required for vehicles used […]