The longer versions.

The questions from the homepage, answered properly. Plus whatever else is worth writing down.

27 August 2026

Why did my premium go up when nothing changed?

Your rate is not only about you. Most increases come from things happening across an insurance company’s whole book — and a few that really are about your household.

27 August 2026

Am I covered for this?

Usually a two-minute question with your declarations page in front of us. But five situations come up over and over, and the answers surprise people — water most of all.

27 August 2026

How much do I actually need?

Two numbers do most of the work — your auto liability limit and your home’s dwelling limit. Almost everyone set theirs years ago and has not looked since.

27 August 2026

Is this online quote too good to be true?

Three things could be going on, and you cannot tell which from the price. Sometimes it is genuinely a good deal — here is how to tell the difference.