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Can I buy insurance without paying a broker fee?
Great question! The good news is that paying extra broker or agent fees is not something you automatically have to expect when buying insurance. In many cases, you can get help shopping for coverage without paying anything extra out of pocket.Here are a few helpful things to know:Not all brokers or…
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Does car insurance cover an accident with a permit driver?
This depends on a few factors, so it’s worth being prepared for different outcomes when you call. Ultimately, your specific car insurance carrier and policy will determine the coverage.Most auto policies include permissive use coverage for occasional drivers, but it’s generally designed for people …
What happens if my landlord can't get homeowners insurance?
Your landlord isn't necessarily required to carry insurance on the property. In many cases, a mortgage lender will require it, but if there's no mortgage or lender requirement in place, some owners simply don't carry it. As a renter, you'll need renters insurance to protect your own belongings.Your…
Will insurance replace my water heater?
Yes, insurance doesn't typically replace appliances even if it pays to fix the water damage it might have caused. This is one of the more frustrating surprises homeowners run into after an appliance-related claim.Homeowners insurance is designed to cover 'sudden and accidental damage caused by a co…
Why does my EV cost more to insure than my old car?
You're right that a clean record and a newer car can help keep rates lower, but electric vehicles are just more expensive to insure. That might feel really personal, but it's actually about the car itself.The biggest factor is repair cost. When an EV is in a collision, the repairs are more complex …
Can smart home devices lower my homeowners insurance premium?
Yes, you can save on premiums with smart home tech, but the discounts vary and may be less than what you're seeing in ads or hearing from friends. But the peace of mind can be worth as much as the discount, depending on how much tech you want in the house.Insurance companies set your premium based …
Why is my son's driving record still hurting my insurance rates?
If your son hasn't lived in your household for three years, you should be able to remove him from your policy, and your rates will probably drop significantly afterward. A jump from $100 to $650 a month is substantial, and his ticket history is likely the main driver.Insurance companies base your p…
Why do too many home insurance claims make you uninsurable?
Unfortunately, filing multiple claims in a short period of time can make insurers view you as "high-risk." Most people don't find out until it's already happened, and it doesn't necessarily mean you did anything wrong. The good news is those claims will eventually fall off your insurance history an…
Is it normal for pet insurance premiums to go way up at renewal?
An increase in pet insurance premiums at renewal is normal, but whether 35% is on the higher end of typical is hard to say without knowing your pet's age, breed, location, and carrier. The increases do tend to get steeper as your pet gets older. Here's why it happens, and how to decide whether it's…
Does my homeowners insurance cover my e-bike?
There might be coverage for your e-bike, but it's probably not as much as you'd realistically need to replace a high-end model. E-bikes are a bit of an insurance gray area: they aren't a motorcycle or a car, but they're more expensive than your average bike, and the added batteries and motors make …
How do I insure a home I'm building myself?
Congrats on your new home! Coverage while the house is being constructed is called builder's risk insurance, or sometimes called 'course of construction' insurance. It's designed to cover a structure while it's still being built, protecting against things like fire, wind, theft of materials, and va…
