What Drives Travel Insurance Premiums: The Price Factors Explained
Why one traveler pays $150 and another pays $400 for the same trip, and how to keep your premium down.
All guides
Every cost guide we have published, newest first.
Do renters need umbrella insurance?
Umbrella insurance is not just for homeowners. When renters need the extra $1M liability layer, what it costs, and who can safely skip it.
Does renters insurance cover your storage unit?
Your renters insurance typically extends to storage units, up to the off-premises sublimit. How it works, when the facility's plan makes sense, and the gaps.
Condo water damage from a neighbor’s unit: whose insurance pays?
An upstairs pipe bursts and three policies might respond: yours, your neighbor's, and the master policy. How to sort out condo water damage claims.
Does renters insurance cover theft outside your home?
Your renters policy covers belongings away from home: car break-ins, stolen bikes, hotel theft. How off-premises coverage works and the 10 percent sublimit to watch.
What renters insurance doesn’t cover: the exclusions worth knowing
Floods, your roommate's stuff, bed bugs, business gear: the renters insurance exclusions that kill claims at the worst moment, and what to do about each.
How much liability coverage does a renter actually need?
The $100,000 default liability on renters policies is a starting point. How to size it to your assets, income, and dog, and when to add an…
Loss assessment coverage for condo owners: how it handles special assessments
After a disaster, your HOA can bill you thousands in special assessments. How loss assessment coverage on your HO-6 pays your share, and how to size…
Does renters insurance cover bed bugs?
Standard renters insurance will not pay for bed bug treatment or ruined belongings. Why the exclusion exists, who actually pays, and what to do when you…
Renters insurance deductible: how to pick the right one
Your renters insurance deductible is what you pay per property claim. The $500 vs $1,000 math, when each makes sense, and which small claims to never…
Landlord-required renters insurance: what your lease can actually make you buy
Landlords can legally require renters insurance in most states. Here is what lease clauses can demand, what additional interest means, and how to comply without overpaying.
Certificate of Insurance (COI): What It Is and How to Get One
A certificate of insurance (COI) proves your business has coverage. Learn what is on a COI, why clients ask for one, and how to get it…
