A few years ago during open enrollment, I sat at my kitchen table with two plan brochures side by side, genuinely confused about why one plan cost $80 less a month but everyone online seemed to warn against picking it. That plan was an HMO. The pricier one was a comprehensive PPO-style plan. I ended … Read more
I found out my home insurance was getting cancelled the same way a lot of people in wildfire-prone areas do now — a letter in the mail that basically said “we’re non-renewing you,” with a vague line about “changing risk conditions in your area.” No claims on my end. No changes to the house. Just … Read more
The letter showed up about three weeks after my court date. My insurance company was dropping me at renewal. Not raising my rate — dropping me entirely. I remember standing in my kitchen re-reading it because I genuinely thought there was some mistake. There wasn’t. If you’ve just been through a first DUI, there’s a … Read more
A few years back, I got a call from my insurance agent telling me my commercial auto policy was jumping almost 40% at renewal. No accidents, no tickets, nothing had changed on my end except gas prices and apparently the entire insurance market. That phone call sent me down a multi-week rabbit hole of quotes, … Read more