Insurance decisions, side by side

life

Term vs. Whole Life Insurance

Term covers a fixed window at the lowest cost. Whole life is permanent coverage with cash value at 5-10x the price. The right choice depends on whether you need protection or a savings vehicle.

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auto

Full Coverage vs. Liability-Only Auto

Full coverage adds collision and comprehensive to the legally required liability. The break-even depends almost entirely on your vehicle's value vs. your annual premium.

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savings

High vs. Low Deductible

Raising your deductible cuts premium 8–15% but transfers more risk to you. The math only works if you have the cash on hand.

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liability

Renters Insurance vs. Umbrella Liability

Renters and umbrella both extend liability protection but solve different problems. Most renters need both — they cost under $400 combined.

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home

HO-3 vs. HO-5 Homeowners

HO-3 is the standard homeowner policy. HO-5 adds open-perils coverage on personal property and replacement cost defaults. For middle and upper-income homeowners, HO-5 is usually worth the 10–15% upcharge.

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