Insurance, Type by Type

Auto, home, health and life each answer a different question. Here is what I cover when I go through them with you.

What I Go Through With You

Pick the one on your mind. Each starts with the policy you already hold, or with a blank page if you have none yet.

Liability, collision and comprehensive are separate promises inside one policy. I show you which one answers which kind of bad day.

A home policy splits into the building, the things inside it and your responsibility to visitors. I take each part in turn.

Premium, deductible and the yearly ceiling on your costs pull against each other. I explain how the three trade off.

Term runs for a set stretch of time and whole life stays for good. I describe what each is built to do for the people you name.

Policies are sold one at a time, yet life does not happen that way. I look for the seams between them.

The Same Event, Two Policies

A crash can touch the car and the people in it. I show you which policy speaks to which bill, so nothing is assumed.
Limits That Lean on Each Other

An umbrella policy sits above auto and home liability. I explain what the lower policies need to carry before it begins.

Get Started

Six terms show up on nearly every policy. Here is what each one means.

Premium: What you pay to keep a policy active, usually billed monthly or twice a year.
Deductible: The part of a claim you pay yourself before the insurer pays its share.
Limit: The most a policy will pay for one claim or across one policy period.
Exclusion: Something the policy names as not covered, however the damage came about.
Beneficiary: The person or people you name to receive a life insurance payout.
Rider: An add on that widens or adjusts a policy, for an added cost.