Coverage Library
Every coverage explained in plain English
Definitions, who needs each coverage, cost ranges, common mistakes, and how each impacts your Insurance Health Score.
auto
Liability Insurance
Pays for injuries or property damage you cause to others — the legal foundation of every auto policy.
$400–$1800/yr
auto
Full Coverage Auto Insurance
Bundles liability with collision and comprehensive to repair or replace your own vehicle after a loss.
$1100–$3400/yr
life
Term Life Insurance
Pure death-benefit protection for 10-30 years at the lowest possible cost.
$180–$1200/yr
life
Whole Life Insurance
Permanent coverage with guaranteed cash value growth — but 5-10× the cost of equivalent term.
$1800–$12000/yr
renters
Renters Insurance
The cheapest insurance you will ever buy — and one of the most universally underpurchased.
$120–$380/yr