Latest articles by Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS
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What Does the Term 'Full Coverage' Really Mean in Insurance?
For starters, there’s no such thing as 'full coverage.' Instead, you should tell your insurer exactly what kind of protection you're looking for and for what.
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Six Steps to Take if Your Insurer Sends You a Non-Renewal Letter
First and foremost, don't procrastinate. Let your insurer know you plan to fix whatever the issue is and then actually follow through on fixing it.
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Your Kid Is a New Driver: Will Your Car Insurance Take a Hit?
Most likely, but you can try to lessen the blow by asking about discounts and teaching your child as much as you can before they get their license.Karl
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When It Comes to Insurance, How Much Risk Can You Take?
Either you or an insurance company takes on the risk of protecting your belongings from loss or damage. Can you afford to self-insure?
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Are You a Danger When You Drive?
You might be shaking your head no, but read on for the five things that most of us have at some point done, or are doing, that could cause an accident.
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Can You List From Memory Everything That's in Your House?
That's what you'd have to do if something happened to destroy it all. It's important to make a record of your belongings so you can be reimbursed by insurance.
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In Defense of Insurance Agents and Brokers
People who sell insurance are often not consumers' favorite people. Here are some reasons why you might want to give insurance agents a break.
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Your Insurance Rates Keep Rising: Why? What Can You Do?
Prices only seem to go up, up, up, and property insurance claims are bigger and more frequent, impacting everyone … What's a policyholder to do?
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Four Common Misconceptions About Life Insurance
Just because you have no dependents and no debt doesn't mean life insurance wouldn't come in exceedingly handy for someone in your life or even a charity.
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Does the Government Insure You?
It might surprise you to learn that you could be relying on Uncle Sam for some of your insurance needs.
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Are You Committing Insurance Fraud?
You might not think the following behaviors are fraudulent (and hey, everyone does them, right?), but they are indeed fraud, and there's a massive cost.
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Are You Tempted to Drop Your Homeowners Insurance?
Here's why that would be a really bad idea, even if your home is paid for, along with some suggestions for how to make paying your premium more palatable.
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What You Can Do if Your Insurance Company Cancels You
You might be able to address whatever reason your insurance company cites to non-renew your policy, but you'll need to act fast.
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What Are You Willing to Do for Cheaper Car Insurance?
Sharing your credit score and your driving data with your insurance company could help lower your premium (assuming they’re both good!).
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Wait, My Homeowners Insurance Limits What?
You might be surprised by the limits on what your homeowners policy covers, but there’s a reason for that, and there’s also something you can do about it.
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What Impact Does Politics Have on Insurance?
Some governors choose their state's insurance commissioner, while other states elect theirs, and that person has power over insurance issues, including rates.
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Why Would You Need Cyber Insurance?
First, what is it? And is it really necessary? Here are some instances where you might wish you had a cyber insurance policy.
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So That Car Accident Wasn’t Your Fault, Huh?
Insurance agents hear all the excuses, but speeding and distracted driving, especially when the weather is bad, are well within drivers’ control.
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Five Tips for Choosing Your Insurance Agent or Broker
Selecting an insurance professional could be as important as picking a surgeon. It might not be literal life-or-death, but it could be financial life-or-death.
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My Insurance Company Flew a Drone Over My House?
Insurers are determining what risks they might face by insuring your home, such as a potentially leaky roof or fire hazards. Your premium could be affected.
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When Is the Perfect Time to Buy Life Insurance?
This is not an easily answered question, other than 'when you're the youngest and healthiest you can be.' Your occupation, habits and extracurricular activities will also affect your premium.
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Why Has Your Car Insurance Gone Up? (And What You Can Do About It)
Inflation, technology and bad drivers have jacked up everybody’s insurance rates, but there are a few things you can do to possibly lower yours.
