Category

Insurance concepts

Insurance concepts teaches you how insurance really works, what you are paying for, and how to avoid being undercovered. Once you understand the structure, policies become much easier to compare.
This section explains premiums, deductibles, limits, exclusions, endorsements, and claims processes in plain language. We also cover how insurers price risk and why certain factors raise or lower your cost.
The goal is confidence. When you know the concepts, you can buy coverage that fits your life and avoid paying for policies that look good but fail when you need them.