Insurance & Protection
Health insurance, auto insurance, life insurance, homeowner’s and renter’s insurance, disability coverage, and how to evaluate policies and claims.
Latest in Insurance & Protection
Home insurance is rising for the 5th straight year — and Florida homeowners now pay $10,240 a year, 189% above the national average
When Maria Gonzalez opened her homeowners insurance renewal notice in April, the number stopped her cold: $11,400 for a three-bedroom concrete-block house in Hialeah that...
Retiring at 55 without LTC insurance could mean steep health costs
A 55-year-old who hands in a resignation letter in May 2026 starts a financial countdown that most people underestimate. Social Security retirement benefits are off...
Health insurance premiums are rising twice as fast as inflation — employer-sponsored plans up 6–7%, adding $617 to the average family’s annual share
Open your next pay stub and look at the health insurance line. If your employer sponsors a family plan, there is a good chance that...
ACA health insurance premiums jumped 26% in 2026 — and 40% of enrollees downgraded to bronze plans to cope
Maria Delgado, a self-employed graphic designer in Houston, opened her HealthCare.gov renewal notice in November and felt her stomach drop. The silver plan she had...
The real cost of a bronze health plan: how a $2,000 ER visit becomes a $6,000 bill when your deductible hasn’t been met
It starts with chest pain on a Tuesday morning in February. You drive yourself to the nearest emergency room, spend four hours getting an EKG,...
ACA health insurance premiums jumped 26% this year — and 4.8 million Americans are projected to drop coverage
A 45-year-old nonsmoker earning $55,000 a year in Georgia paid about $120 a month for a benchmark silver health plan in 2025, according to rate...
ACA health insurance premiums jumped 26% in 2026 — the largest increase since 2018 — driven partly by Ozempic costs
When open enrollment ended earlier this year, 23.1 million Americans had signed up for health coverage through the Affordable Care Act (ACA) marketplace, which is...
Home insurance rates rising for the 5th straight year — California up 16%, Nebraska up 13%
A homeowner paying $2,000 a year for coverage in California could see that bill jump to $2,320 this year. In Nebraska, the same policy would...
Freelancers and gig workers: the insurance gaps most people don’t realize they have until it’s too late
When a rideshare driver in Los Angeles gets rear-ended during a Saturday night shift, the first question after “Are you hurt?” is usually “Who’s paying...
Homeowners insurance predicted to spike 8% in 2026 and again in 2027 — which states get hit hardest
A homeowner in Pensacola, Florida, renewing a policy this spring might notice something alarming: the annual premium is hundreds of dollars higher than it was...
Home insurance premiums set to jump 8% in 2026 AND 8% again in 2027 — the states getting hit hardest
When North Carolina regulators approved a two-phase, 15% rate increase for homeowners insurance, taking effect through mid-2026, it turned an abstract national trend into a...
Term vs whole life insurance: which one financial advisors actually recommend
Choosing between term and whole life insurance has long been one of the most debated decisions among finance professionals. Both products provide a death benefit...
Umbrella insurance costs under $300 a year for $1 million in coverage
Umbrella insurance is often described as one of the most affordable ways to add an extra layer of liability protection. While many consumers assume this...
Americans overpay on these 5 types of insurance by an average of 20% or more
Federal and state insurance data shows that Americans routinely pay far more than necessary for several common types of insurance. In some cases, consumers can...
Only 41% of renters carry renters insurance: why the other 59% are at risk
Only about 41% of renters in the United States carry renters insurance, leaving the remaining 59% exposed to financial losses that can quickly spiral into...
Auto insurance rates climbed 7% to 12% in 2025 and are still rising: how to lower your premium
Auto insurance premiums rose sharply across the United States in 2025, and for many drivers, this trend is continuing in 2026. Federal price data from...