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Car Insurance Mastery

Home & Property Security

Health Policy Insights

Financial Literacy & Life

Are you an insurance agent or do you sell policies?

No, Policy Help US is an independent, educational publication. We do not sell insurance, provide quotes, or handle claims. Our sole purpose is to provide unbiased, expert information to help you shop confidently. 

Collision covers damage to your car resulting from an accident with another vehicle or object (like a fence). Comprehensive covers damage from non-collision events, such as theft, fire, vandalism, or hitting a deer.

The Deductible is the amount of money you must pay out-of-pocket towards a covered loss before your insurance company starts to pay. Generally, choosing a higher deductible will result in a lower premium (monthly cost).

No. Standard homeowners policies typically exclude flood damage, which must be purchased separately through a specific flood insurance program (often the NFIP). Most policies also exclude earthquakes and routine wear and tear.

We recommend reviewing and re-shopping quotes for major policies (auto and home) at least once every year or whenever you experience a major life change (e.g., getting married, moving, buying a new car) to ensure you are getting the best rate.

No, Policy Help US is an independent, educational publication. We do not sell insurance, provide quotes, or handle claims. Our sole purpose is to provide unbiased, expert information to help you shop confidently. 

Collision covers damage to your car resulting from an accident with another vehicle or object (like a fence). Comprehensive covers damage from non-collision events, such as theft, fire, vandalism, or hitting a deer.

The Deductible is the amount of money you must pay out-of-pocket towards a covered loss before your insurance company starts to pay. Generally, choosing a higher deductible will result in a lower premium (monthly cost).

No. Standard homeowners policies typically exclude flood damage, which must be purchased separately through a specific flood insurance program (often the NFIP). Most policies also exclude earthquakes and routine wear and tear.

We recommend reviewing and re-shopping quotes for major policies (auto and home) at least once every year or whenever you experience a major life change (e.g., getting married, moving, buying a new car) to ensure you are getting the best rate.