Jason Devaney
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Articles by Jason Devaney
Progressive vs. State Farm Homeowners Insurance
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
Car Insurance for Delivery Drivers
Our rankings, ratings and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
Does Homeowners Insurance Cover House Foundation Repair?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
Best Car Insurance in Connecticut for 2026
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways Though Geico and Amica are tied for No. 1 in our rating, Geico has a lower average premium in the state.
What Is a Certificate of Insurance?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways Also referred to as a COI, a certificate of insurance is a document that provides a basic summary of your policy details.
Self-Employed Business Insurance
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways Common self-employed insurance coverage options include general liability, commercial property and professional liability.
What Is an Insurance Bond?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. Key Takeaways An insurance bond is a legal contract between three parties: the principal, the obligee and a surety.
Insurance Checklist for 2026 The start of a new year is an ideal time to reevaluate your insurance policies to make sure you are properly covered and paying affordable rates in 2026. svetikd
The start of a new year is an ideal time to reevaluate your insurance policies to make sure you are properly covered and paying affordable rates in 2026. Why Trust Us Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace.
Openly Homeowners Insurance Review for 2025
Openly Homeowners Insurance Coverage Area Openly homeowners insurance is available in the following states: Alabama, Arizona, Connecticut, Delaware, Georgia, Illinois, Indiana, Kansas, Kentucky, Maine, Massachusetts, Mississippi, Missouri, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia and Wisconsin.
How Is Climate Change Impacting Home Insurance Rates?
The climate crisis is driving up home insurance premiums by increasing the risk of natural disasters, which inflict costly damage upon homes across the U.S. Extreme weather events such as hurricanes, wildfires, and floods are becoming more frequent and more destructive, causing more property losses than home insurance providers can afford to cover.
What Is Handyman Insurance?
Handyman insurance addresses the risks that handyman companies take on. It may cover the employees, equipment, financial losses, property damage, legal claims and more. Common types of insurance include general liability, commercial auto, commercial property and professional liability. Who Needs Handyman Insurance? Whether handyman insurance is required depends on many factors.
Pet Safety During the Holidays
USN&WR Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
What Is Non-Owner Car Insurance?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways Non-owner policies typically include basic liability coverage, but you may be able to add other protections.
How to Compare Small Business Insurance Quotes
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways You can get small business insurance quotes from an agent or an automated online system.
Do I Need Renters Insurance?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
How Much Does It Cost To Spay or Neuter a Pet?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways Spaying a dog can cost anywhere between $250 and $600, while the cost for spaying a cat ranges from $50 to $500.
What Is a Pet Insurance Premium?
Multiple factors are taken into account when a pet insurance company calculates your premium. When you’re getting a quote online, you’ll need to provide your pet’s information and your contact information, including your address, to get a base rate. If you’re enrolling your pet in a customizable policy, you’ll select your policy terms – the deductible, reimbursement rate and/or annual coverage limit – and will see your quoted premium change, reflecting your choices.
What Is a Collision Damage Waiver?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways A collision damage waiver isn’t insurance. It only protects you from paying for physical damage to your rental car.
What Is Group Term Life Insurance?
Group term life insurance is a type of life insurance that covers many people, typically employees or group members, under a single policy. In general, the employer or organization owns the policy. With GTL specifically, the policy has a specific time length in which it will pay out death benefits to the insured’s beneficiaries. As GTL is a type of term life insurance, it does not have a cash value component, only a death benefit and possibly riders.
What Is Paid Up Additional Insurance?
Paid-up additional insurance is a small life insurance policy, added to your primary whole life insurance policy, that you pay for in a single payment. Each PUA policy has its own cash value and death benefit that adds to your base policy, increasing its value immediately. You can acquire PUAs over time, contributing to a compounding cycle of growth. Let’s say you receive annual dividends from your whole life policy.
What Is an Insurance Underwriter?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. Key Takeaways Underwriting is the process of assessing the risks that insurance companies face when insuring people and their property.
What Is a Car Insurance Premium?
When you buy a car insurance policy, the amount you pay for coverage is called a premium. You can typically pay this amount in installments or all at once; many insurers offer a discount if you pay in a lump sum. If you compared premiums for a variety of drivers, it wouldn’t be unusual to see different amounts. Premiums are based on many factors that can vary from one driver to the next, so they’re very individualized. Auto insurers each have their own methods of calculating premiums.
What Is Pay-Per-Mile Car Insurance?
Pay-per-mile car insurance works by tracking your mileage and charging you by the mile. You’ll pay a consistent base rate for coverage, plus a rate for each mile driven. This policy gives drivers more control over their auto insurance costs. Not all insurance companies offer pay-per-mile options, and details and specifications vary by insurer. Generally, you can buy the same types of coverage for pay-per-mile as you can for conventional policies.
What Is Force-Placed Insurance?
Force-placed insurance is a policy that a bank, mortgage company, or other type of lender imposes on you if you do not meet the insurance requirements of your home or car loan. Also called lender-placed or creditor-placed insurance, this type of coverage is both more limited and more expensive than a regular insurance policy.
Types of Car Insurance Coverage: Options Explained
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways You may be required to have certain types of coverage depending on the laws in your state.
What Is Food Business Insurance?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
What Is Photographer Insurance?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways Certain policies, such as workers’ compensation, commercial property, or commercial auto, may be required.
What Is Broad Form Insurance?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
Car Insurance for Modified Vehicles
Typically, any vehicle enhancement or modification that was not installed at the factory is considered a modification that requires custom vehicle insurance. There are two main types of vehicle modification: Aesthetic modifications Aesthetic modifications change the way your car looks but don’t affect how it moves. Common aesthetic modifications include things like custom paint jobs and chrome rims.
What Is a Home Insurance Inspection?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
What To Do if Your Car Is Stolen
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
What Does Small Business Insurance Cover?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways The best type of insurance for your small business depends on your industry and risk level.
Physicians Mutual
1. Visit the Physicians Mutual Pet Insurance website, and click one of the “Get My Price” buttons. 2. Once you select your state, you’ll provide your pet’s name, age, gender, and breed, as well as your ZIP code and email address. 3. You’ll now be able to see your quote for the Economy, Standard, and Preferred plans. If you’d like one of these set plans, click the green “Select Plan” button. If you’d like to alter terms, click “Customize plan” under whichever you’d like to use as your baseline. 4.
How To Prevent Car Theft
Between 2019 and 2023, the national motor vehicle theft rate increased from 200 to 284 incidents per 100,000 people, according to FBI statistics. Private passenger automobiles (78.1%) and trucks (12.2%) were the most frequently stolen types of vehicles. In 2023, Hyundais and Kias were the most commonly targeted vehicles, as reported by the Insurance Information Institute. Vehicle theft is a serious issue, but there are things you can do to reduce the risk of having your car stolen.
Renters Insurance for College Students
Renters insurance isn't legally mandated, but your landlord may require you to purchase a policy. Renters insurance is affordable, so even if you don't technically need it, it's a smart investment to protect your belongings. On-campus housing Students living on campus aren't required to purchase renters insurance.
What Is Flood Insurance?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
Does Homeowners Insurance Cover Identity Theft?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
Does Renters Insurance Cover Flooding?
Renters insurance doesn't cover flood damage. If you live in a flood-prone area, consider purchasing flood insurance from a private insurer or the National Flood Insurance Program (NFIP). Even if your landlord has flood insurance on your building, it won’t cover your personal belongings. Water damage vs. flood damage While renters insurance covers some water damage, it doesn't cover flooding.
Walmart Pet Insurance Overview for 2025
Walmart pet insurance policies issued through Nationwide can cover accidents, accidents and illnesses, and routine care. There’s no standalone wellness coverage available. Regardless of the plan, you can only alter your policy terms during the renewal period, and select changes may require review by the underwriter. Plans Available From Nationwide Pet Insurance Modular Pet Insurance Plan You can enroll your dog, cat, or exotic pets in the Modular Pet Insurance Plan.
Does Renters Insurance Cover Dog Bites?
A standard renters insurance policy may cover dog bites under the personal liability coverage or guest medical coverage portions of your policy. However, your dog's breed and history of aggression will be considered when determining your coverage. Personal liability vs. guest medical While your personal liability coverage will likely cover your dog biting someone, your guest medical coverage could step in depending on the scenario.
How To Save Money on Car Insurance When You're Unemployed
Car insurance is required by law in almost every state and, unfortunately, losing your job won’t earn you a discount. Being unemployed is hard enough without having to worry about the cost of car insurance, so it is worth your time to compare quotes from multiple companies to make sure you are paying the lowest possible rate. Insurers do not raise your rates if you are unemployed. In fact, you don’t need to tell your insurance company about your employment status at all.
Do I Need Renters Insurance?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
Does Pet Insurance Cover Prescription Food?
While prescription food isn’t covered by insurance across the board, some pet insurance companies may cover it for a select period of time or under certain circumstances. Here’s information on prescription food coverage for various pet insurers: The Complete Coverage plan for dogs and cats covers prescription food for covered conditions. The Accident-Only plan for dogs and cats covers prescription food as related treatment to a covered accident.
Does Homeowners Insurance Cover Tree Removal?
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
How the Life Insurance Application Process Works
According to the National Association of Insurance Commissioners (NAIC), you should apply for life insurance when: You’ve gotten married. You’ve gotten divorced. You’ve had or adopted a child. An elderly family member is living with you, and you want some financial help caring for them. You’ve started a new job. Someone in your family has died. You have a new mortgage. You’ve paid off your mortgage. You’ve retired. Your children have finished college.
Life Insurance as an Investment
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology.
Life Insurance Fraud: What It Is, Common Types, and How To Avoid It
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways Life insurance fraud can be committed by insurance companies, agents, and customers alike.
Does Homeowners Insurance Cover Dog Bites?
In many cases, home insurance does cover dog bites. A standard homeowners insurance policy typically includes personal liability coverage, which can protect you from legal or medical costs if your dog is responsible for causing bodily injury or property damage to someone who is not part of your household. Your policy’s medical payments for others coverage may also apply in some scenarios.
Best Pet Insurance in Idaho
Our rankings, ratings, and product reviews are unbiased. We do not rank or rate products or services based on our financial relationships with the companies that produce them. Our in-house research team collects extensive information used in our evaluation process, although we may not cover all options available in the marketplace. See our full methodology. Key Takeaways Pumpkin's customizable accident-and-illness policy has a 14-day waiting period. The insurer also offers optional wellness coverage.
What Is a Life Insurance Trust?
A trust is a form of division of property rights and a fiduciary relationship where the ownership of assets goes to a third party, i.e., a trustee. With a life insurance trust, specifically, a policy’s cash value and death benefit go to a beneficiary after the insured transfers their property into the trust. The trust owns the policy rather than the insured and collects the death benefit, distributing it after the death of the insured.
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