Policy Frameworks
Why a lower deductible isn't always the cheaper choice
The math behind premium-to-deductible trade-offs, and when a higher deductible actually saves money over a policy year.
Coverage Tracks
Four risk categories, one framework
Every product below follows the same reading order: what it covers, what triggers a payout, and where cost typically hides.
Term Life
Fixed-period death benefit with level premiums for the term.
Level PremiumACA Health Tiers
Bronze through Platinum, split by premium versus out-of-pocket share.
Metal TiersProperty Risk
Dwelling, personal property and liability limits under one policy.
Peril-BasedAuto Liability
State-minimum versus full coverage, and what bodily injury limits mean.
State-RegulatedPremium Impact Calculator
The premium is never the whole number.
Deductibles, coinsurance and out-of-pocket maximums decide what a claim actually costs you. Run your own numbers against a realistic model built around how US carriers structure cost-sharing.
- ✓ Accounts for deductible-then-coinsurance structure
- ✓ Respects your annual out-of-pocket maximum
- ✓ Saves your inputs locally so you can revisit them
Claim Protocols
Every claim follows a fixed sequence.
Adjusters work from the same procedural spine regardless of carrier. Knowing the stage you're in tells you what to expect next — and what's reasonable to push back on.
View full claim protocol →
01 / INTAKE
Report & File Number
Loss is reported and assigned a claim number within 24–48 hours.
02 / ASSIGNMENT
Adjuster Assigned
A staff or independent adjuster is assigned to investigate the loss.
03 / INSPECTION
Damage Verification
Documentation, photos and in some cases an on-site inspection are collected.
04 / SETTLEMENT
Offer & Payout
A settlement offer is issued, referencing policy limits and deductibles.
Latest Guidance
Reading before you renew
Property Risk
Standard homeowners policies and flood exclusions
Most standard property policies exclude flood damage entirely — here's what separate coverage typically involves.
Claim Protocols
What actually changes at your renewal date
Premium recalculation, coverage lapses and the questions worth asking before you auto-renew.
Have a policy question that's hard to Google?
Send it to our consumer inquiries desk — we route it to the right coverage track.
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