Topic

Basics

Deductibles, umbrellas, and the words on the declarations page.

Basics

How a deductible changes the premium

A higher deductible usually lowers the price you pay every month. It also raises the amount you write a check for when something actually happens.

September 28, 2026

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Basics

Umbrella insurance in plain language

An umbrella policy adds liability limits above the auto and homeowners policies. It is not a second copy of those policies.

September 20, 2026

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