Insurance Basics
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How Does an Insurance Deductible Work?
What a deductible actually is, how it interacts with your premium, and how to decide between a high and low deductible.
Articles by Insurance Simplified USA Editorial Team
Insurance content on this site is researched and maintained by the editorial team. See our Editorial Policy and Sources pages for how content is researched, fact-checked, and updated.
Insurance Basics
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How to File an Insurance Claim: A Step-by-Step Guide
A practical, line-of-business-independent walkthrough of how insurance claims actually get filed and processed, from reporting to payout.
Renters Insurance
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Do You Really Need Renters Insurance?
Your landlord’s insurance almost certainly doesn’t cover your belongings — here’s what renters insurance actually protects and why it’s often worth the cost.
Medicare
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Medicare Part A vs. Part B: What’s the Difference?
Medicare Part A and Part B cover very different things — here’s exactly what each one pays for, and what it typically costs.
Health Insurance
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HMO vs. PPO: How to Choose the Right Health Plan
The real trade-off between HMO and PPO health plans, and a simple question that helps most people decide.
Life Insurance
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Term vs. Whole Life Insurance: Which Is Right for You?
Term and whole life insurance solve different problems at very different price points. Here’s how to tell which one actually fits your situation.
Life Insurance
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How Much Life Insurance Do You Actually Need?
A practical, needs-based way to estimate how much life insurance coverage makes sense for your situation, using the D.I.M.E. method.
Home Insurance
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Homeowners Insurance Explained: What It Covers and What It Doesn’t
A plain-English breakdown of what a standard homeowners policy covers, common exclusions, and how much coverage you need.
Car Insurance
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What Is SR-22 Insurance and Who Needs It?
SR-22 isn’t actually an insurance policy — here’s what it really is, who typically needs one, and how long it usually lasts.
Car Insurance
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Liability vs. Full Coverage Car Insurance: What’s the Difference?
A clear breakdown of what liability-only and ‘full coverage’ car insurance each include, and when each makes sense.