How to Estimate Your Homeowners Insurance

How to Estimate Your Homeowners Insurance

According to the Insurance Information Institute, the average cost for homeowners insurance nationwide is about $1,200. Homeowners in some states, like Oregon, pay an average of just $650 per year. While those who live in areas at higher risk for a natural disaster, like Florida, pay closer to $2,000. In addition to where you live,…

Fully Accessible Guide to Smart Home Tech for the Disabled and Elderly

Fully Accessible Guide to Smart Home Tech for the Disabled and Elderly

This guide has been designed and optimized for Web Content Accessibility Guidelines 2.0, and was built to meet the needs of those with visual and hearing disabilities. See our disclosure below for more information. Smart home technology has come a long way in the last few years. While it was once a novelty, smart devices…

Amazon is Building an Emotion Detector and Wait That’s Just a Mood Ring

Amazon is Building an Emotion Detector and Wait That’s Just a Mood Ring

Amazon is apparently working on a new wrist-worn device that can detect human emotion, according to a Thursday Bloomberg report. If you never imagined the world needed a “smart” mood ring, you’re probably not alone. While Amazon’s emotion detector is still in the works and might never actually go to market, Bloomberg reports it would…

How to Battle Porch Pirates

How to Battle Porch Pirates

Online shopping is on the rise, and the resulting sea of package deliveries has tempted thieves coined “porch pirates.” The Department of Commerce reported that online shopping consisted of 10% of all retail sales in the U.S. (Q1 2019). Package delivery is more popular than ever, and so is the resulting property theft – in…

Here’s What Makes Nationwide Rideshare Insurance Different

Here’s What Makes Nationwide Rideshare Insurance Different

Rideshare insurance is a necessity for Uber and Lyft drivers, but an oddball in the insurance world. It’s very limited coverage that only applies at select times: specifically, when a driver has their rideshare app turned on, but hasn’t yet accepted a ride or picked up a customer. It’s also primarily meant for collision and…

Insurance Experts Are Split Over Aladdin’s Magic Carpet

Insurance Experts Are Split Over Aladdin’s Magic Carpet

Obviously, my biggest concern about Disney’s live-action “Aladdin” remake is how they’ll pull off a giant blue CGI Will Smith. But since I write about insurance, I can’t stop thinking about the magic carpet Aladdin uses to fly around the city of Agrabah. You know, the sentient Persian rug that makes “A Whole New World”…

How a Home DNA Test Could Complicate Your Life Insurance Application

How a Home DNA Test Could Complicate Your Life Insurance Application

As morbid as it sounds, life insurance companies want to know how long you’ll be around, and figuring that out involves a complex underwriting assessment of your “risks” — physical health, genetic profile, and perhaps even your social media activity, all to assess whether you qualify and how much you end up paying for coverage.…

How to Choose the Right Homeowners Insurance Deductible

How to Choose the Right Homeowners Insurance Deductible

Everything about insurance is a trade-off. Your insurance provider takes on your risk, you take on their bill. You pay money now; they’ll pay money later. Even the pay structure of insurance involves a trade-off: You can pay a high premium, then pay a lower deductible in case of a claim… or you can pay…

Xbox Game Pass Ultimate and the Disappearance of the Disc

Xbox Game Pass Ultimate and the Disappearance of the Disc

The gaming world is going all-digital and trying its hand at streaming services. With Microsoft’s recent announcement of an Xbox Game Pass Ultimate (coming later this year) and an Xbox One S All-Digital Edition (available now), all signs point to the gaming industry moving away from physical discs. For $250, the Xbox One S All-Digital…

Is Unoccupied and Vacant Home Insurance Worth It?

Is Unoccupied and Vacant Home Insurance Worth It?

What Is Unoccupied and Vacant Home Insurance? Unoccupied and vacant home insurance is a type of insurance that protects homes that are uninhabited. Say, for example, you’re going on an extended vacation or flipping a house — unoccupied or vacant home insurance can be purchased as an additional endorsement on your regular homeowners policy or…