Most people sign insurance policies and utility contracts without understanding what they bought. That’s a problem when you need to file a claim or when your electric bill doubles in the summer.
This section breaks down the policies and bills you’re already paying for so you can make better decisions about coverage, understand what your money actually buys, and stop overpaying for things you don’t need.
Insurance
Insurance companies count on you not reading the fine print. We’re here to fix that.
Auto Insurance: What Your Policy Actually Covers
You’ve been paying for auto insurance for years, but do you know what “full coverage” means? (Spoiler: it’s not a real thing.) Learn what each coverage type does, when to file a claim, and how deductibles actually work.
Best for: Anyone who’s ever nodded along during an insurance sales pitch without understanding a word.
[Read the Auto Insurance Guide]
Homeowners Insurance: What’s Covered (And What Definitely Isn’t)
Your home is probably your biggest asset. Your homeowners policy probably doesn’t cover as much as you think. Floods? Nope. Earthquakes? Try again. Learn what you’re actually insured for and what gaps you need to fill.
Best for: Homeowners who assume their policy covers “everything” until they file a claim.
[Read the Homeowners Insurance Guide]
Personal Umbrella Policies: Extra Protection You Probably Need
An umbrella policy sits on top of your other insurance and protects you when someone sues you for more than your standard coverage. It’s cheaper than you think and more useful than most people realize.
Best for: Anyone with assets to protect or teenagers who just started driving.
[Read the Umbrella Policy Guide]
Utilities
Your electric company is very good at making their billing structure complicated. Let’s fix that.
How to Read Your Electric Bill
Your bill has more line items than a restaurant receipt, and half of them don’t make sense. Learn what you’re actually paying for, what fees are unavoidable, and which charges you might be able to reduce.
Best for: Anyone who’s looked at their electric bill and immediately put it down in frustration.
[Read the Electric Bill Guide]
The Thermostat Question: Constant Temperature vs. Turning It Down
Everyone has a theory about thermostats. Most of them are wrong. We’ll show you the actual cost difference between keeping your house at 72 degrees all day and adjusting the temperature when you’re gone.
Best for: Settling the argument with your spouse about whether it’s worth turning down the heat.
[Read the Thermostat Cost Analysis]
Electric Plans Explained: Fixed, Variable, and Everything In Between
Free nights. Free weekends. Usage credits. Time-of-use rates. Electric companies offer so many plans that comparing them is nearly impossible. We break down what each plan actually means and who benefits from it.
Best for: Anyone who’s tried to compare electricity plans and gave up after 10 minutes.
[Read the Electric Plans Guide]
Electricity Plan Calculators
We’ve built calculators to help you estimate your actual costs across different electricity plans. Enter your usage patterns and see which plan saves you the most money.