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
Long-term-care insurance can spare a spouse from spending down savings for nursing care
A nursing-home stay is one of the few expenses in retirement large enough to drain a couple’s savings entirely, and long-term-care insurance exists to stop...
State Farm is returning $5 billion to auto customers, about $100 a policy, and the credit is applied with no claim to file
State Farm is sending $5 billion back to its auto insurance customers, the largest dividend in the mutual insurer’s 103-year history. The payout averages about...
Home insurance is rising about 4% this year, a fifth straight annual increase
The bill that arrives with a mortgage statement or a renewal notice is climbing again. Home insurance premiums are on track to rise roughly 4...
The FDIC insures $250,000 per depositor, and beneficiaries can raise that ceiling
The $250,000 figure attached to federal deposit insurance is one of the most repeated numbers in personal finance, and one of the most misread. Many...
Home insurance now eats a record 9% of the typical homeowner’s monthly payment
Homeowners who have never filed a claim are still watching their premiums climb, and the cost has now reached a share of the monthly housing...
The FDIC insures $250,000 per depositor, and naming beneficiaries can lift that ceiling
A federal guarantee stands behind the money Americans keep in banks, and knowing its exact shape matters more when banks are failing. The Federal Deposit...
Seniors can deduct long-term-care insurance premiums, and the limit rises with age
Long-term-care insurance is one of the few retirement expenses that can pay off twice: once if the policy is ever used for care, and again...
Anthem drug-plan members can file a class-action claim before November 10
A settlement involving Anthem Blue Cross Life and Health Insurance Company has opened a window for certain policyholders to recover money they paid out of...
A long-term-care partnership policy shields extra assets from Medicaid spend-down
A qualified long-term-care partnership policy does more than reimburse care bills. It can preserve an additional amount of savings when the policyholder later applies for...
Seven ACA insurers plan 2027 exits after enrollment drops over 1 million
Seven insurance carriers have announced full or partial exits from Affordable Care Act Marketplaces for 2027, after plan selections fell by more than one million...
Florida home insurance is rising just 2% in 2026 after years of double-digit spikes
After several brutal years of runaway premiums, Florida homeowners are getting a rare piece of good news: home-insurance rates are set to rise only about...
California home insurance premiums are set to jump 16% in 2026, the biggest rise in the nation
California homeowners are bracing for the steepest insurance increase in the country, with premiums projected to rise about 16% in 2026. That is more than...
Anthem will reimburse some California members for denied brand-name drugs if they claim by November 10
Anthem Blue Cross has agreed to reimburse certain California members who paid out of pocket for brand-name prescription drugs their plan should have covered, and...
Full-coverage car insurance now averages about $2,496 a year and keeps climbing
The typical driver who carries full-coverage auto insurance now pays roughly $2,496 a year, or about $208 a month, and the figure has been drifting...
Florida seniors face the country’s highest home insurance, averaging more than $3,600 a year as rates climb again.
Florida retirees pay more to insure a home than older homeowners in any other state, with typical annual premiums for seniors running past $3,600 even...
Home insurance is climbing a fifth straight year, and homeowners over 70 now average $121 to $139 a month.
Homeowners past age 70 now pay roughly $121 to $139 a month to insure a home, and 2026 marks the fifth straight year that the...
ACA subsidies lapsed, and a 60-year-old earning $64,000 can now face about $14,900 in yearly premiums, up from $6,200 with help.
A 60-year-old earning about $64,000 a year could owe roughly $14,900 in annual health-insurance premiums in 2026, up from about $6,200 when enhanced subsidies were...
A shared nursing-home room now runs about $9,581 a month, and Medicaid steps in only after savings fall below $2,000.
Families with an aging parent who needs round-the-clock care face a brutal math problem. A shared nursing-home room now runs about $9,581 a month, yet...
Owners of recalled Flaunt MagSafe power banks can collect a $65 refund or an $80 store credit over a fire risk.
Anyone who bought a Flaunt MagSafe Battery Charger power bank now faces a direct safety warning: the lithium-ion battery inside can overheat and catch fire....
Naming account beneficiaries sends money straight to heirs, skipping probate whatever your will says
Anyone who dies with a bank account, retirement plan, or life insurance policy that carries a named beneficiary will send that money directly to the...