Insurance resources & guides

Quick, plain-English explanations to help you request the right coverage in California — and know what questions to expect.

Educational content only — not legal, tax, or insurance advice. Coverage availability and eligibility vary by risk and carrier guidelines.

Auto insurance basics

What drivers usually ask about when requesting an auto insurance quote.

Liability limits: what you pay if you’re responsible for injuries or property damage.
Comprehensive & collision: coverage for damage to your vehicle (often with a deductible).
Uninsured/underinsured motorist: helps when the at-fault driver lacks adequate coverage.
What to have ready: drivers (DOB + license), vehicle details, garaging ZIP, current insurer/limits, recent accidents.

A few concepts that impact pricing and underwriting on homeowners quotes.

Dwelling coverage (Coverage A): the cost to rebuild the home (not the market value).
Roof year, construction & occupancy: major drivers of eligibility and pricing.
Deductibles: higher deductibles can reduce premium, but increase out-of-pocket costs after a claim.
What to have ready: address, year built, square footage, roof year, prior claims, desired coverage.

Common commercial coverages and what underwriters usually request.

General liability: foundational coverage for third-party injury/property damage claims.
Workers’ comp: typically required when you have employees.
COI requests: certificates are common for landlords, clients, and vendors.
E&O / professional liability: for businesses that provide advice or professional services.
What to have ready: business name/structure, operations description, revenue/payroll, years in business, prior claims.

How people typically decide between term life, whole life, and MYGA annuities.

Term life: coverage for a set period (often the most cost-effective for income replacement).
Whole life: permanent coverage with cash value features (varies by policy design).
MYGA: fixed annuity structure that can be used for predictable growth goals (subject to terms).
What to have ready: DOB, tobacco status, coverage amount goal, health considerations, timeline.

Health coverage needs vary by household size, doctors, medications, and enrollment timing.

Individual & family plans: review expected care usage, preferred providers, and prescription needs.
Enrollment timing: eligibility can depend on open enrollment or qualifying events.
What to have ready: household size, ZIP, preferred doctors, existing coverage, and goals.

If you’re unsure which product page to use, start with the Insurance Finder and we’ll route your request correctly.