Insurance Guides

Plain answers to the questions people ask us about insurance.

Homeowners vs. Condo Insurance: What Each Policy Covers

A house and a condo are insured differently. The key is the condo association's master policy — and what it leaves to you.

The golden rule: start the new policy before you cancel the old one. Here are the steps, in order, so you are never uninsured — not even for a day.

Buying direct means one company and doing the comparing yourself. A broker brings several companies and an explanation. Here is how to decide.

A broker shops your coverage across several insurance companies and explains what each policy really does — so you choose with the full picture.

An umbrella policy sits on top of your home and auto insurance and takes over when a serious liability claim goes past their limits.

A quote is only as accurate as the details behind it. These checklists help you get real numbers in one conversation instead of three.