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Buy with Confidence | 1 of 6 - The Trustpilot Blog
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in others during the process can be downright overwhelming. " content="[object Object]" class="ResourcePreview__Wrapper-sc-jaop8e-0 bHrCuE ResourceList__SpacedVerticalPreview-sc-hakffs-1 bYWNPD"><a aria-labelledby="resource-preview-header-who-does-d-c-trust-with-big-financial-decisions" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 ResourcePreview__ThumbnailLink-sc-jaop8e-1 hRKPDT feAwAc" href="/blog/buy-with-confidence/who-does-d-c-trust-with-big-financial-decisions"><div class="react-aspect-ratio-placeholder" style="max-width:1920px;width:100%;--aspect-ratio:(1)"><img alt="Who does DC trust? " title="" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:cover;color:transparent" sizes="(min-width: 992px) 15vw, 25vw" srcSet="https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=96&fm=webp 96w, https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=128&fm=webp 128w, https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=256&fm=webp 256w, https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=384&fm=webp 384w, https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=640&fm=webp 640w, https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=750&fm=webp 750w, https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=828&fm=webp 828w, https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=1080&fm=webp 1080w, https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=1200&fm=webp 1200w, https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=1920&fm=webp 1920w, https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=2048&fm=webp 2048w, https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=3840&fm=webp 3840w" src="https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg?q=80&w=3840&fm=webp"/></div></a><div class="ResourcePreview__Info-sc-jaop8e-5 hhGuWn"><a class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 ResourcePreview__Pillar-sc-jaop8e-2 hRKPDT gggBzR" href="/blog/buy-with-confidence">Buy With Confidence</a><a class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="/blog/buy-with-confidence/who-does-d-c-trust-with-big-financial-decisions"><h3 id="resource-preview-header-who-does-d-c-trust-with-big-financial-decisions" class="ResourcePreview__Header-sc-jaop8e-3 kwWwXM">Who does D.C. trust with big financial decisions?</h3><span class="ResourcePreview__PublishedDate-sc-jaop8e-4 leLjNw">March 29, 2024</span></a></div></div><div summary="The stakes are high when making big financial decisions and our latest survey of consumers in Philadelphia reveals some eye-opening stats around who we trust when it comes to making those big purchases. Here are some of the highlights:" content="[object Object]" class="ResourcePreview__Wrapper-sc-jaop8e-0 bHrCuE ResourceList__SpacedVerticalPreview-sc-hakffs-1 bYWNPD"><a aria-labelledby="resource-preview-header-who-does-philadelphia-trust-with-big-financial-decisions" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 ResourcePreview__ThumbnailLink-sc-jaop8e-1 hRKPDT feAwAc" href="/blog/buy-with-confidence/who-does-philadelphia-trust-with-big-financial-decisions"><div class="react-aspect-ratio-placeholder" style="max-width:1920px;width:100%;--aspect-ratio:(1)"><img alt="Who does Philly trust? " title="" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:cover;color:transparent" sizes="(min-width: 992px) 15vw, 25vw" srcSet="https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=96&fm=webp 96w, https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=128&fm=webp 128w, https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=256&fm=webp 256w, https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=384&fm=webp 384w, https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=640&fm=webp 640w, https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=750&fm=webp 750w, https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=828&fm=webp 828w, https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=1080&fm=webp 1080w, https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=1200&fm=webp 1200w, https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=1920&fm=webp 1920w, https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=2048&fm=webp 2048w, https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=3840&fm=webp 3840w" src="https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg?q=80&w=3840&fm=webp"/></div></a><div class="ResourcePreview__Info-sc-jaop8e-5 hhGuWn"><a class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 ResourcePreview__Pillar-sc-jaop8e-2 hRKPDT gggBzR" href="/blog/buy-with-confidence">Buy With Confidence</a><a class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="/blog/buy-with-confidence/who-does-philadelphia-trust-with-big-financial-decisions"><h3 id="resource-preview-header-who-does-philadelphia-trust-with-big-financial-decisions" class="ResourcePreview__Header-sc-jaop8e-3 kwWwXM">Who does Philadelphia trust with big financial decisions?</h3><span class="ResourcePreview__PublishedDate-sc-jaop8e-4 leLjNw">March 29, 2024</span></a></div></div><div content="[object Object]" class="ResourcePreview__Wrapper-sc-jaop8e-0 bHrCuE ResourceList__SpacedVerticalPreview-sc-hakffs-1 bYWNPD"><a aria-labelledby="resource-preview-header-renters-insurance-guide" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 ResourcePreview__ThumbnailLink-sc-jaop8e-1 hRKPDT feAwAc" href="/blog/buy-with-confidence/renters-insurance-guide"><div class="react-aspect-ratio-placeholder" style="max-width:640px;width:100%;--aspect-ratio:(1)"><img alt="Renter's insurance guide" title="A man standing next to a car full of luggage" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:cover;color:transparent" sizes="(min-width: 992px) 15vw, 25vw" srcSet="https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=96&fm=webp 96w, https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=128&fm=webp 128w, https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=256&fm=webp 256w, https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=384&fm=webp 384w, https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=640&fm=webp 640w, https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=750&fm=webp 750w, https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=828&fm=webp 828w, https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=1080&fm=webp 1080w, https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=1200&fm=webp 1200w, https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=1920&fm=webp 1920w, https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=2048&fm=webp 2048w, https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=3840&fm=webp 3840w" src="https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg?q=80&w=3840&fm=webp"/></div></a><div class="ResourcePreview__Info-sc-jaop8e-5 hhGuWn"><a class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 ResourcePreview__Pillar-sc-jaop8e-2 hRKPDT gggBzR" href="/blog/buy-with-confidence">Buy With Confidence</a><a class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="/blog/buy-with-confidence/renters-insurance-guide"><h3 id="resource-preview-header-renters-insurance-guide" class="ResourcePreview__Header-sc-jaop8e-3 kwWwXM">Everything you need to know about renters insurance</h3><span class="ResourcePreview__PublishedDate-sc-jaop8e-4 leLjNw">February 16, 2024</span></a></div></div><div content="[object Object]" class="ResourcePreview__Wrapper-sc-jaop8e-0 bHrCuE ResourceList__SpacedVerticalPreview-sc-hakffs-1 bYWNPD"><a aria-labelledby="resource-preview-header-better-sleep" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 ResourcePreview__ThumbnailLink-sc-jaop8e-1 hRKPDT feAwAc" href="/blog/buy-with-confidence/better-sleep"><div class="react-aspect-ratio-placeholder" style="max-width:640px;width:100%;--aspect-ratio:(1)"><img alt="how to sleep better" title="someone sleeping with their head resting in their hand" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:cover;color:transparent" sizes="(min-width: 992px) 15vw, 25vw" srcSet="https://images.ctfassets.net/b7g9mrbfayuu/5DBzUGsU9VdIpc9BuZ0zMW/2306813d12e58fbffb57c98180f289de/how-to-sleep-better.jpg?q=80&w=96&fm=webp 96w, https://images.ctfassets.net/b7g9mrbfayuu/5DBzUGsU9VdIpc9BuZ0zMW/2306813d12e58fbffb57c98180f289de/how-to-sleep-better.jpg?q=80&w=128&fm=webp 128w, 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https://images.ctfassets.net/b7g9mrbfayuu/5DBzUGsU9VdIpc9BuZ0zMW/2306813d12e58fbffb57c98180f289de/how-to-sleep-better.jpg?q=80&w=1200&fm=webp 1200w, https://images.ctfassets.net/b7g9mrbfayuu/5DBzUGsU9VdIpc9BuZ0zMW/2306813d12e58fbffb57c98180f289de/how-to-sleep-better.jpg?q=80&w=1920&fm=webp 1920w, https://images.ctfassets.net/b7g9mrbfayuu/5DBzUGsU9VdIpc9BuZ0zMW/2306813d12e58fbffb57c98180f289de/how-to-sleep-better.jpg?q=80&w=2048&fm=webp 2048w, https://images.ctfassets.net/b7g9mrbfayuu/5DBzUGsU9VdIpc9BuZ0zMW/2306813d12e58fbffb57c98180f289de/how-to-sleep-better.jpg?q=80&w=3840&fm=webp 3840w" src="https://images.ctfassets.net/b7g9mrbfayuu/5DBzUGsU9VdIpc9BuZ0zMW/2306813d12e58fbffb57c98180f289de/how-to-sleep-better.jpg?q=80&w=3840&fm=webp"/></div></a><div class="ResourcePreview__Info-sc-jaop8e-5 hhGuWn"><a class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 ResourcePreview__Pillar-sc-jaop8e-2 hRKPDT gggBzR" href="/blog/buy-with-confidence">Buy With Confidence</a><a class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="/blog/buy-with-confidence/better-sleep"><h3 id="resource-preview-header-better-sleep" class="ResourcePreview__Header-sc-jaop8e-3 kwWwXM">How to sleep better: 7 steps towards your best night’s rest</h3><span class="ResourcePreview__PublishedDate-sc-jaop8e-4 leLjNw">February 15, 2024</span></a></div></div><div content="[object Object]" class="ResourcePreview__Wrapper-sc-jaop8e-0 bHrCuE ResourceList__SpacedVerticalPreview-sc-hakffs-1 bYWNPD"><a aria-labelledby="resource-preview-header-best-pet-insurance" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 ResourcePreview__ThumbnailLink-sc-jaop8e-1 hRKPDT feAwAc" href="/blog/buy-with-confidence/best-pet-insurance"><div class="react-aspect-ratio-placeholder" style="max-width:640px;width:100%;--aspect-ratio:(1)"><img alt="How to choose pet insurance" title="A dog lying on the beach" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:cover;color:transparent" sizes="(min-width: 992px) 15vw, 25vw" srcSet="https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=96&fm=webp 96w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=128&fm=webp 128w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=256&fm=webp 256w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=384&fm=webp 384w, https://images.ctfassets.net/b7g9mrbfayuu/4PKnuMYiW9OVsGd1UueQBl/55998d9dafaa47736e1a9eb7e764ce41/how-to-choose-pet-insurance.jpg?q=80&w=640&fm=webp 640w, 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","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Specifically, personal liability insurance covers:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Bodily Injury:","nodeType":"text"},{"data":{},"marks":[],"value":" If a visitor is injured at your home or apartment, for example, by falling on a wet floor, your insurance can cover their doctor bills and surgery. \n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Property Damage:","nodeType":"text"},{"data":{},"marks":[],"value":" If others sustain property damage from you or your household relatives, personal liability coverage can cover the costs of fixing their property. If your kiddo hits a baseball through your neighbor’s expensive stained-glass window, this may kick in. \n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Legal Expenses:","nodeType":"text"},{"data":{},"marks":[],"value":" If you’re sued by a ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/personal_injury_lawyer"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"personal injury attorney","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" arising from bodily injury or property damage to others, this coverage might pay for ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/lawyers_attorneys"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"hiring a lawyer","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" to defend you in court and cover any court costs and settlements resulting from the accident.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Dog bites: ","nodeType":"text"},{"data":{},"marks":[],"value":"Some ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/money_insurance?subcategories=insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"insurance companies","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" offer this, and some do not. If they do, they sometimes limit the coverage to certain breeds. You’ll want to double check this if you have any ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/the-new-dog-checklist"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"four-legged friends","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" at home. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"How does personal liability coverage work?","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"You can get personal liability coverage as part of your homeowners or renters insurance policy. Insurance companies typically offer coverage limits of $100,000, $300,000, or $500,000 of personal liability. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"People generally purchase a limit that matches or exceeds their net worth to shield their financial assets from being destroyed by someone’s accident or an erroneous lawsuit. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you feel you need more coverage than what home insurance provides, you can buy an umbrella liability insurance policy. You might purchase a $1,000,000 umbrella limit that sits above your liability limits in your homeowners, renters, and automobile insurance policies. Then if a covered liability claim hits the maximum amount of coverage you have in your home and ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/auto_insurance_agency"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"auto insurance","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" policies, the umbrella will begin paying up to a $1,000,000 limit. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"A qualified ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"insurance professional","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" can help you determine the right level of coverage for you. Reviews can give you insight into what it’s like to work with different ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/insurance_agency"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"insurance agents","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" or ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/insurance_broker"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"brokers","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":", like this one regarding ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/review/www.clements.com"},"content":[{"data":{},"marks":[],"value":"Clements Worldwide","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":":","nodeType":"text"}],"nodeType":"paragraph"},{"data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2IYygFYKxCG8G7K5mzeLcO","type":"Entry","createdAt":"2024-05-20T20:07:57.466Z","updatedAt":"2024-05-20T20:07:57.466Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of Clements Worldwide","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2YtU9BU205HRJ31B8lH4Fn","type":"Asset","createdAt":"2024-05-20T20:07:45.601Z","updatedAt":"2024-05-20T20:07:45.601Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"Review of Clements Worldwide","description":"Review of Clements Worldwide","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/2YtU9BU205HRJ31B8lH4Fn/b87d0eb384a70891db83384f61b155c6/Review_of_Clements_Worldwide.png","details":{"size":30360,"image":{"width":598,"height":190}},"fileName":"Review of Clements Worldwide.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/6638f45f8ccf916f4329543a"}}},"content":[],"nodeType":"embedded-entry-block"},{"data":{},"content":[{"data":{},"marks":[],"value":"Homeowners vs. renters personal liability coverage","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"The personal liability coverage between homeowners and renters policies is very similar, but there are nuances to consider when comparing the risks and responsibilities of ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/should-i-rent-or-buy-a-house"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"owning versus renting","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":". ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"First, homeowners will typically have higher coverage limits because they generally have more assets at risk — such as their house! This can make homeowners a bigger target for lawsuits. Plus, renters typically only need to worry about liability related to the contents within their rented dwelling, not outside premises or structures like garages. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"For these reasons, renters’ policies typically offer $100,000 and $300,000 limits and at a lesser cost. Some insurance companies might have $500,000 options, but it’s not as standard an offering as with homeowners policies. And renter’s insurance is not as apt to offer coverage for dog bites. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Regardless of policy, personal liability coverage is often considered the most affordable part of your homeowners or renters policy. So it doesn’t cost much more to buy the maximum limits offered.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"How to choose the right personal liability insurance ","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you have assets to protect, some level of protection for personal liability may well be worth it. Buying an umbrella policy might give you further peace of mind if you have a high net worth or valuable assets. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Another consideration is to partner with an insurance company that will guide you through the process and take the stress out of lawsuits and accidents. As you shop your insurance options, Trustpilot reviews that discuss claims handling can give you a good idea of the type of customer service you might expect from different insurers. 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Have you thought about financial protection in case of your injuries (homeowners and renters insurance), inability to work (","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/disability-insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"disability insurance","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":"), or death (","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/life-insurance-policies"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"life insurance","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":")? 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","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/car_leasing_service"},"content":[{"nodeType":"text","value":"leasing a car","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" isn’t as simple as getting the keys and turning the ignition. 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","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Full coverage insurance ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"refers to a combination auto insurance policy, a mix of both comprehensive and liability insurance.","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Nearly every U.S. state requires car owners to have some type of insurance. A “full coverage” policy often covers accidents and unexpected damage. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What is comprehensive auto insurance?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Comprehensive auto insurance covers any damage to the car that isn’t an accident. 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","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Liability auto insurance: Basics and requirements","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Liability insurance protects you and your finances if you cause a car accident. This policy helps pay for damage to the other driver’s car (property damage) and the possible injuries they sustained in the collision (bodily injury). This policy protects you from paying out of pocket for the other driver’s medical or car repair bills. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"In almost all states, some form of liability auto insurance is required. Typically, that means you must show the state you can cover the costs of a car accident. 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","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"New Hampshire, South Carolina, and Virginia don’t require liability insurance, but that doesn’t mean you’re off the hook for medical and property damage if you cause a car accident.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Full coverage auto insurance: What you need to know","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Full coverage auto insurance is an umbrella policy that usually includes:","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Collision insurance","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Comprehensive insurance","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Liability insurance","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"It’s all rolled into a single, tidy policy. 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","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Insuring your car isn’t a one-size-fits-all decision. Before committing to a company, check out their ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/insurance"},"content":[{"nodeType":"text","value":"Trustpilot reviews","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" to help you find a trustworthy provider. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Value versus savings. ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Car insurance premiums can jump through the roof with extra bells and whistles. 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","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Learn more: ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/car-rental-services-what-to-watch-out-for-to-ensure-a-smooth-trip"},"content":[{"nodeType":"text","value":"How to rent a car: What to watch out for to ensure a smooth trip","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Glass coverage","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Some companies offer a full glass coverage policy in addition to, but separate from, the comprehensive deductible. These policies are often “zero deductible,” meaning you won’t have to pay any costs out of pocket to replace a damaged or cracked windshield.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Insurance add-ons can provide peace of mind in the event of an accident. Whether your car is in the shop or needs a ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/auto_glass_shop"},"content":[{"nodeType":"text","value":"new windshield","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":", you’ll pay less out of pocket. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"E","marks":[],"data":{}},{"nodeType":"text","value":"njoy the ride with the right coverage","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Car insurance is a necessity for most car owners, and getting the right policy can put you at ease when you’re behind the wheel. But the search for the right company can be daunting. That’s where reviews can help. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"A positive customer service experience, like this review of ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/illinoisvehicle.com"},"content":[{"nodeType":"text","value":"Illinois Vehicle Auto Insurance","marks":[],"data":{}}]},{"nodeType":"text","value":", can give you deeper insight into an auto insurer, even before you sign a contract. 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","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/5-types-of-insurance-to-keep-you-and-your-assets-safe"},"content":[{"nodeType":"text","value":"Insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" is an important part of covering you and your family in case of the unexpected. Have you ever considered what would happen if you became disabled and were unable to work? It’s a stressful situation to consider, but not an uncommon one. In fact, a quarter of 20-year-olds will become disabled for more than a year before retirement, according to the Social Security Administration. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"In some cases, if you are unable to do any type of meaningful work, you might be able to collect Social Security Disability Insurance (SSDI) from the federal government. But these payments would not fully replace your lost income, and not every disabled person qualifies for SSDI. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This is why some people purchase private ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/disability_insurance_company"},"content":[{"nodeType":"text","value":"disability insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" coverage. Disability insurance replaces part of a worker’s income if they’re unable to work due to an injury or illness. Here’s why this customer purchased a policy through ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/meetbreeze.com"},"content":[{"nodeType":"text","value":"Breeze","marks":[],"data":{}}]},{"nodeType":"text","value":": ","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"21w8ZwsQ1WcsvZps986JGK","type":"Entry","createdAt":"2024-05-15T14:56:53.009Z","updatedAt":"2024-05-15T14:56:53.009Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of Breeze","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"7jMrTipkrnxrDeuUyB0Ehp","type":"Asset","createdAt":"2024-05-15T14:56:45.750Z","updatedAt":"2024-05-15T14:56:45.750Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"locale":"en-US"},"fields":{"title":"Review of Breeze","description":"","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png","details":{"size":105166,"image":{"width":1212,"height":470}},"fileName":"Review of Breeze.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/662e6e117f6967d3d37664a7"}}},"content":[]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Understanding types of disability insurance","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Disability insurance policies come in two main flavors: short-term and long-term. They both provide income if you’re unable to work but for different time frames. Many employers offer short- and long-term disability insurance as an HR benefit. If you don’t have employer-provided disability insurance, you may be able to purchase it on your own. If you are purchasing independently, Trustpilot reviews can help you understand the experiences of other customers with these different types of policies.","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Short-term disability insurance: Quick coverage when you need it most","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Under a short-term disability policy, you’d typically collect 40%–70% of your normal salary for six weeks up to a year for situations like pregnancy, accidents, injuries, or illnesses. It typically would not cover an injury sustained while on the job, because on-the-job injuries would fall under workers’ compensation. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Most short-term disability policies offer “own occupation” coverage, meaning you’d be covered if you’re unable to perform the tasks of your job. Under “own occupation” coverage, you may find another job and still receive full benefit payments. Short-term disability insurance with this coverage is preferable to insurance that requires you to be completely disabled from all forms of work. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Disability insurance policies also come with an elimination period. This is the amount of time you must wait before insurance benefits start. A 14-day elimination period is common, but it could be as long as 30 days. ","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Long-term disability insurance: Ensuring long-term security","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Long-term disability insurance covers 10%–60% of your income if you’re unable to work for an extended period of time due to a disability. Before you can collect long-term disability benefits, you must use up all the sick leave from your job and be disabled for a minimum amount of time, typically six months. You can use employer sick leave during the elimination period. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Long-term disability insurance policies may define work as “own occupation” or “any occupation.” Many “own occupation” policies transition to “any occupation” after paying benefits for two years. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Social Security Disability Insurance (SSDI) explained","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"SSDI is a government program for people who are unable to work for at least a year due to a disabling condition. It has a five-month waiting period and can require significant documentation to provide your disability. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"To qualify for SSDI, the disabled person must have held a job that paid into Social Security. Many local, state, or federal government jobs do not pay into Social Security, so those workers would not qualify. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"SSDI benefit checks may also be smaller than what you’d get from a private disability policy. The average monthly SSDI benefit was just over ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.ssa.gov/disabilityfacts/facts.html"},"content":[{"nodeType":"text","value":"$1,200 in 2019","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":", and if that was someone’s sole source of income, they would barely reach the federal poverty line. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Due to the stress and complexity of disability claims, some people use a company like ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/allsup.com"},"content":[{"nodeType":"text","value":"Allsup","marks":[],"data":{}}]},{"nodeType":"text","value":" to advocate for them: ","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2xWpzp5R9ZRfwnZYz4YEco","type":"Entry","createdAt":"2024-05-15T14:53:48.123Z","updatedAt":"2024-05-15T14:53:48.123Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of Allsup, LLC","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"5XmNjlTyMQNb0bwyr4GF7A","type":"Asset","createdAt":"2024-05-15T14:53:42.693Z","updatedAt":"2024-05-15T14:53:42.693Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"Review of Allsup, LLC","description":"Review of Allsup, LLC","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png","details":{"size":111382,"image":{"width":1194,"height":464}},"fileName":"Review of Allsup, LLC.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/663d4c1364636e9828573d51"}}},"content":[]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Choosing the right disability insurance for your needs","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Here’s a look at factors to consider when selecting disability insurance: ","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Employer options: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"If you have disability insurance through work, but you’re considering switching jobs, your policy may not move with you. That’s one reason to consider purchasing a private policy. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Elimination period: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"How long can you afford to wait before collecting disability benefits? A larger emergency fund may mean you can stay afloat during a longer elimination period. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Own occupation vs. any occupation: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"An “own occupation” policy may be more expensive compared to an “any occupation” policy, but it won’t be as strict at paying insurance benefits. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Premiums:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Your age and overall health, the percentage of income replaced, the waiting period, and the length of time covered will affect the cost of your policy. To ensure that you can keep up with premiums, you’ll wait to weigh factors you can choose (like waiting period or level of income protection) against how much you can afford in premiums. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Cost-of-living increases: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"The disability benefit that seems generous today likely won’t have as much buying power in 10 years due to inflation. Many policies do not have a cost-of-living rider, but it’s something to consider if you’re concerned about inflation. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Renewability:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Ideally, your disability insurance policy would be non-cancelable with a guaranteed renewal, so that your premiums can’t spike beyond what you can afford. ","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If you don’t have both types of disability coverage provided through work, then you may want to consider short-term and long-term policies to cover your bases. Do you have other insurance to cover your family in case of ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/life-insurance-policies"},"content":[{"nodeType":"text","value":"emergency","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":"? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The right disability insurance policies can ensure that you have an income even when you can’t work due to a temporary or long-term disability. Consult a disability insurance expert to discuss your specific needs. ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/disability_insurance_company"},"content":[{"nodeType":"text","value":"Reading Trustpilot reviews","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" can help you select a provider you can trust. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Trustpilot is a review platform that is open to all. The companies and profile pages referenced in this article are provided for informational purposes only and are not recommended, endorsed by, or representative of the views of Trustpilot. 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Essential insights for securing your future.","url":"https://images.ctfassets.net/b7g9mrbfayuu/6Zw5UASvVstfHGO1rcpwow/79a0271cd46872f5f55dea15481e3377/Life_insurance_Trustpilot.jpg","details":{"size":69904,"image":{"width":640,"height":427}},"fileName":"Life insurance Trustpilot.jpg","contentType":"image/jpeg","width":640,"height":427}},"intro":"Life doesn’t always go our way. Most people hope for a long, healthy life. Unfortunately, an unexpected illness or injury can derail those plans and force our families to change course. ","content":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Nobody wants to think about a loved one dying prematurely. But planning ahead by purchasing a ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/insurance?subcategories=life_insurance_agency"},"content":[{"nodeType":"text","value":"life insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" policy can offer survivors some financial protection as they cope with the loss. And educating yourself on your options and reading Trustpilot reviews can help you choose a reliable provider to ensure your loved ones are covered.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What is life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If someone dies while their life insurance policy is in force, their beneficiaries get a payout. They can use this money to cover medical or funeral costs, pay off a mortgage, fund a child’s education, or however else they see fit. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This can be an important financial planning tool if you have people who rely on you financially or logistically. If you’re the main wage earner in your family, your family will lose your income when you die. They would then need to replace that income or reduce their spending. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Here’s why one customer purchased life insurance from ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/choicemutual.com"},"content":[{"nodeType":"text","value":"Choice Mutual","marks":[],"data":{}}]},{"nodeType":"text","value":": ","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"3AccVSoOvECJIBZUYUjLdH","type":"Entry","createdAt":"2024-05-15T14:16:29.339Z","updatedAt":"2024-05-15T14:16:29.339Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of Choice Mutual","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"fVbVfPl6Ksh4gD5hbYNJ0","type":"Asset","createdAt":"2024-05-15T14:16:23.256Z","updatedAt":"2024-05-15T14:16:23.256Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"Review of Choice Mutual","description":"Review of Choice Mutual","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/fVbVfPl6Ksh4gD5hbYNJ0/05d710558fa520855ce1ba25744528ea/Review_of_Choice_Mutual.png","details":{"size":71134,"image":{"width":587,"height":338}},"fileName":"Review of Choice Mutual.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/66353291779ea7ffe86fb218"}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Parents and caregivers who don’t work outside the home might also need life insurance. If a stay-at-home parent died suddenly, the other parent would need to hire help to keep the house running and the children cared for. A life insurance payout could allow the surviving parent to hire help and continue working.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What types of life insurance are available? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Life insurance comes in a few different flavors, including term life, whole life, and supplemental life. ","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"What is term life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Term life insurance covers you for a specified term, often 10, 15, 20, or 30 years. A homeowner might choose a 30-year term life policy in case they pass away while their spouse is still paying off the mortgage. A new parent might choose a 20-year term life policy to cover their children in case the parent dies before their children are financially independent. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This customer chose a 20-year term life insurance policy from ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/efinancial.com"},"content":[{"nodeType":"text","value":"eFinancial Life Insurance","marks":[],"data":{}}]},{"nodeType":"text","value":": \n","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"4DnejMJUcTDBAqHAlbENyF","type":"Entry","createdAt":"2024-05-15T14:19:12.201Z","updatedAt":"2024-05-15T14:19:12.201Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of eFinancial Life Insurance","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"zga27n7L3izUTBeUHLe5f","type":"Asset","createdAt":"2024-05-15T14:19:02.017Z","updatedAt":"2024-05-15T14:19:02.017Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"locale":"en-US"},"fields":{"title":"Review of eFinancial Life Insurance","description":"","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/zga27n7L3izUTBeUHLe5f/6bc153c569253c7b9e3d1ad7829c8e67/Review_of_eFinancial_Life_Insurance.png","details":{"size":54199,"image":{"width":600,"height":280}},"fileName":"Review of eFinancial Life Insurance.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/652020b491a638d2a6e4eea2"}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Term life insurance is a popular option, because the premiums tend to be lower than whole life or supplemental life insurance. The simplest form of term life insurance is level term. This means the premiums remain at the same level throughout the term. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"With a yearly renewable term, you’re insured for a year at a time with the option to renew your policy each year at a higher premium. ","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"What is whole life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"While term life insurance covers you for a specific term, whole life insurance covers you for the entirety of your life, provided the premiums are paid up. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"It also accrues cash value that you can access while you’re still alive using a tax-free loan or withdrawal. Some people use this cash value for a down payment on a home or their children's higher education. However, borrowing or withdrawing from your whole life insurance policy means your survivors get a smaller death benefit later on. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Because whole life insurance offers policyholder benefits beyond death and covers you for a longer time frame, the premiums are generally more expensive than term life insurance for the same payout. And remember that checking Trustpilot reviews can help you evaluate the best whole life insurance providers for your needs. ","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"What is supplemental life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Supplemental life insurance is often available as an employee benefit. Some companies buy a small amount of life insurance for each employee and then allow those employees to purchase additional coverage. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Some people don’t qualify for term or whole life insurance privately due to their health, so supplemental life insurance purchased through an employer offers an alternative. Trustpilot reviews can assist you in finding supplemental life insurance policies that are well-regarded by other customers.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"How do I compare life insurance policies? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"There are several factors to consider when shopping around for life insurance. ","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How much coverage do your survivors need?","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Add up expenses like funeral costs, your mortgage, your kids’ college education, and your family’s living expenses. If you’re working, life insurance should replace your income, plus give your survivors a little extra for funeral costs or medical expenses. Some experts recommend buying a policy worth 10 times your income, plus whatever you’d plan to contribute to your children’s college education. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How much can you afford in premiums? ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"If your budget is tight, you might consider buying term life insurance, since the premiums are lower. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Is your insurable need time-limited or indefinite? ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"If you need to insure your loved ones until the mortgage is paid off or your kids reach adulthood, a term policy might suit your needs. But if your need lasts longer than 30 years, you might opt for whole life insurance. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Do you need a policy that accrues cash value? Or would a simpler term life policy suit your needs? ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Some people plan on using the cash value while they’re still alive to pay for future medical costs or a child’s education. Of course, there are other ways to fund these needs. ","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Life insurance can take many different forms, but its primary goal is giving your loved ones peace of mind in case something happens to you. Understanding different types of insurance can help you prepare for the unexpected. The right policy can free them from financial worries at a difficult time. Reading Trustpilot reviews can also help you choose a company you can trust, ensuring you make a well-informed decision for your future.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\nTrustpilot is a review platform that is open to all. The companies and profile pages referenced in this article are provided for informational purposes only and are not recommended, endorsed by, or representative of the views of Trustpilot. The Trustpilot companies linked in this post are expected to abide by ","marks":[{"type":"italic"}],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://legal.trustpilot.com/for-businesses/guidelines-for-businesses"},"content":[{"nodeType":"text","value":"Trustpilot’s Guidelines","marks":[{"type":"italic"}],"data":{}}]},{"nodeType":"text","value":", but have not been reviewed for compliance.","marks":[{"type":"italic"}],"data":{}}]}]}},{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"1hzrEaU3Ro1rUMjDMwcimR","type":"Entry","createdAt":"2024-05-01T20:33:51.961Z","updatedAt":"2024-05-15T14:21:13.816Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":32,"revision":2,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"article"}},"locale":"en-US"},"internalTitle":"5 types of insurance to keep you and your assets safe","title":"5 types of insurance to keep you and your assets safe","slug":"5-types-of-insurance-to-keep-you-and-your-assets-safe","metaDescription":"Explore different types of insurance coverage essential for protecting your valuable assets with our comprehensive guide at Trustpilot.","locale":"US","date":"2024-05-01","pillar":"buy-with-confidence","author":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2Z8WSXbtRz7ovE0Vvn18Jw","type":"Entry","createdAt":"2022-10-24T14:58:13.001Z","updatedAt":"2022-10-27T10:03:00.312Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":9,"revision":2,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"blogAuthor"}},"locale":"en-US"},"name":"Natalie Fidlow","title":"Finance Industry Expert","description":"Natalie has over 10 years of experience working with finance and fintech clients to address their professional insurance needs. She has a Chartered Financial Analyst designation, and when not chasing after her 3 sons, writes about all topics finance and fintech.","image":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"6olqAo71JXzMh4rBSzls8V","type":"Asset","createdAt":"2022-10-24T14:57:17.136Z","updatedAt":"2022-10-24T14:58:03.789Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":8,"revision":2,"locale":"en-US"},"title":"Natalie Fidlow - Finance Content Writer","description":"","url":"https://images.ctfassets.net/b7g9mrbfayuu/6olqAo71JXzMh4rBSzls8V/4f59dab271b113658c8fbf6ffe099132/Natalie_Fidlow_headshot.jpg","details":{"size":74384,"image":{"width":481,"height":640}},"fileName":"Natalie Fidlow headshot.jpg","contentType":"image/jpeg","width":481,"height":640}},"thumbnail":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2wrkr8NFvtDXoqmoIvxyrP","type":"Asset","createdAt":"2024-05-01T20:22:28.150Z","updatedAt":"2024-05-01T20:22:28.150Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":5,"revision":1,"locale":"en-US"},"title":"TP Industries 12","description":"","url":"https://images.ctfassets.net/b7g9mrbfayuu/2wrkr8NFvtDXoqmoIvxyrP/cb41f5d5823d26914073938699e9fa9b/TP_Industries_12.jpg","details":{"size":402305,"image":{"width":1280,"height":1280}},"fileName":"TP_Industries_12.jpg","contentType":"image/jpeg","width":1280,"height":1280},"featuredResource":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2VbHj2qROS1Q5n8hdyCWxa","type":"Entry","createdAt":"2024-05-01T20:33:47.646Z","updatedAt":"2024-05-01T20:33:47.646Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"title":"5 types of insurance to keep you and your assets safe","description":"5 types of insurance to keep you and your assets safe","image":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"25BkWPEWFtUgzQtQDe5MKV","type":"Asset","createdAt":"2024-05-01T20:24:04.434Z","updatedAt":"2024-05-01T20:24:04.434Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":6,"revision":1,"locale":"en-US"},"title":"5 types of insurance to keep you and your assets safe","description":"5 types of insurance to keep you and your assets safe\n\n","url":"https://images.ctfassets.net/b7g9mrbfayuu/25BkWPEWFtUgzQtQDe5MKV/f5a2463bad199b704c69dc0ed6594442/TP_Industries_12.jpg","details":{"size":325875,"image":{"width":1280,"height":960}},"fileName":"TP_Industries_12.jpg","contentType":"image/jpeg","width":1280,"height":960}},"intro":"Life throws curveballs. From fender benders to unexpected illnesses, financial security can vanish faster than you can say “out-of-pocket expense.” That’s where insurance comes in. It can’t prevent life from happening — it’s not bubble wrap! But insurance does act like a safety net. ","content":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Whether you’re concerned about ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/money-moments"},"content":[{"nodeType":"text","value":"covering your mortgage","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":", managing unforeseen costs, or providing for your family in case you pass away, you can turn to insurance to cover you and provide peace of mind.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"But with so many different types of insurance out there, it’s easy to feel overwhelmed. Where do you start? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This guide walks through the essential insurance types to consider. It’s what most experts consider the low-hanging fruit coverage that can defend you against unwanted surprises at every stage of your life.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Insurance provides stability — more than you know","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Pop quiz: How many types of insurance do you currently pay for? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Health insurance for your family and ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/pet-insurance-coverage"},"content":[{"nodeType":"text","value":"your pets","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" might be top of mind. Then there’s insurance you need to have for driving. And there might be one-offs, like ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/the-best-travel-insurance"},"content":[{"nodeType":"text","value":"travel insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" for an expensive trip. Got a number in your head?","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"OK, did you include Medicare, Social Security, and unemployment? They’re all insurance programs you and/or your employer pay for to help you if you become disabled or unemployed. And they help pay for expenses later in life so you can retire. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Did you also consider depositor’s insurance, which protects the money you have in the bank? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Insurance is used by governments and businesses to provide stability and promote a healthy economy. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Key insurance types for you","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"As you spend your lifetime building your personal wealth, it’s also important to take proactive steps to protect yourself and your family from large financial losses. Imagine insurance as a toolbox, with each policy designed to handle a different financial threat you could encounter in your daily life. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Here’s a quick peek at five common types of insurance people use to keep their finances on track:","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Auto insurance ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Almost all states in the U.S. require drivers to have some form of ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/auto_insurance_agency"},"content":[{"nodeType":"text","value":"auto insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" coverage. A bare-bones policy typically covers liability for any damage or injury you may cause to others. It includes coverage for accidents involving underinsured or uninsured drivers, personal injury, and medical payments. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If you finance or ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/car_leasing_service"},"content":[{"nodeType":"text","value":"lease a car","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":", lenders often require you to purchase full coverage policies. These include collision coverage, which pays to repair or replace your vehicle, and comprehensive coverage if it’s stolen. Most people buy full coverage policies. With new cars averaging over $40,000 and used cars becoming increasingly expensive to fix, they simply can’t afford to be left uncovered. It’s something to think about.\n","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Home and renters insurance","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Your home is likely the biggest investment you’ll ever make, and for many homeowners, it’s also their primary source of wealth. You don’t want it to go up in smoke — literally! ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Homeowners insurance covers your house and belongings against fire, weather events, theft, and vandalism. It will also cover legal costs and damages others experience on your property. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This insurance is required in order to ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/how-to-choose-a-mortgage-broker"},"content":[{"nodeType":"text","value":"get a mortgage","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" to buy a home. It’s a smart investment, unless you have the massive funds on hand to rebuild your home and replace your valuables in case of a large loss, like a fire. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If you ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/should-i-rent-or-buy-a-house"},"content":[{"nodeType":"text","value":"rent instead","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":", you might consider ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/renters_insurance_agency"},"content":[{"nodeType":"text","value":"renters insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":", which covers the contents inside your apartment or home. The owner will likely have a ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/landlord_insurance_company"},"content":[{"nodeType":"text","value":"landlord policy","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" to cover the structure.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"To protect your home and valuables, check out our ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/choosing-best-homeowners-insurance"},"content":[{"nodeType":"text","value":"homeowners insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" and ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/renters-insurance-guide"},"content":[{"nodeType":"text","value":"renters insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" guides.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Disability insurance essentials","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"What if illness or injury sidelines your income-generating abilities? Disability insurance replaces a portion of your paycheck if you become unable to work. According to the Social Security office, one in four 20-year-olds will become disabled for more than one year before they retire. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Many employers offer both short- and long-term disability insurance, which can be a good option. If not, you can purchase it from a ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/disability_insurance_company"},"content":[{"nodeType":"text","value":"disability insurance company","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":". The best policies replace 40% to 70% of your income. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Short-term disability covers 40%–70% of an employee’s salary for a few weeks and up to a year due to common conditions such as pregnancies, broken bones, and back pain. Long-term disability can cover roughly 60% of your salary if you are unable to work longer due to reasons such as cancer or mental health issues. You’ll want to be aware of potential waiting periods and limitations on the coverage.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Read “Disability insurance: Your safety net explained” for the basics of protecting yourself if you lose your ability to work.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Fundamentals of life insurance","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Life insurance ensures that your loved ones aren’t left financially stranded if you pass away. There are two main types of life insurance. Term life insurance provides coverage for a set number of years and pays out a death benefit if you pass away during the term of the policy. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Alternatively, whole life is permanent life insurance that doesn’t expire as long as you pay the premiums. Besides paying out if you die, it offers an investment vehicle component to build funds you can use or borrow against during your life. Some people tap their whole life policies to make large purchases or pay for their kids’ college.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Factors to consider when deciding on life insurance include your yearly earnings, if you have young kids or other dependents, future educational costs, and funeral expenses that the policy could cover.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Personal liability insurance options","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"No matter how careful you are, we live in a litigious society, and you might find yourself getting sued. Let’s say your dog accidentally tackles your neighbor, sending them to the ER. Personal liability insurance kicks in to defend you against lawsuits and pay for injury or damage you or members of your household are on the hook for. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"You will generally find coverage for personal liability in your homeowners or renters policy, but coverage amounts are often limited to $100,000 to $500,000. If you feel that you need additional coverage, you can increase your personal liability coverage limit by purchasing an umbrella policy from your insurance company. 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It might also put a target on your back, so you might give thought to beefing up personal liability coverage on your homeowners insurance and buying an umbrella policy.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Budget honestly:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Insurance premiums are an investment, so factor them into your monthly expenses and ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/financial-planning"},"content":[{"nodeType":"text","value":"financial plan","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":".","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Compare quotes:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Don’t settle for the first quote! Get proposals from a few different insurers to find the best coverage at the most competitive price. Check Trustpilot reviews. They can be a great resource to see what other customers have experienced with different insurance companies.","marks":[],"data":{}}]}]}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Common mistakes and misconceptions","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Even the savviest buyer can make mistakes. Here are some insurance faux pas to avoid:","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Not shopping around. ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"I can’t stress this enough. If you don’t get quotes from other insurance companies periodically, you could be paying more than you need and not getting competitive coverage terms. 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Further, don’t expect a claim to be paid if you have neglected your home.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Not giving timely notice of a claim: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"An insurance policy is a legal contract that is enforced as long as you obey its rules. Most insurance requires notice as soon as possible. You risk denial otherwise.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Forgetting to update your policies:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Your insurance needs evolve as your life does. Regularly review and adjust your coverage accordingly. If you need help, enlist an ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/insurance_broker"},"content":[{"nodeType":"text","value":"insurance broker, ","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":"or talk to your ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/insurance_agency"},"content":[{"nodeType":"text","value":"insurance agent","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":".","marks":[],"data":{}}]}]}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Secure your future with the right insurance","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"It can take a lifetime to build personal wealth and just one moment to potentially destroy it if you aren’t covered by insurance. Don’t be afraid to delve deeper! You might find that some insurance may not be worth the cost or the hassle. And whether you prefer to work with an insurance broker, or buy insurance online, you have options. 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","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Remember, a little insurance know-how can go a long way toward protecting your assets and ensuring a smooth ride, even when life throws its inevitable curveballs.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"\nTrustpilot is a review platform that is open to all. The companies and profile pages referenced in this article are provided for informational purposes only and are not recommended, endorsed by, or representative of the views of Trustpilot. The Trustpilot companies linked in this post are expected to abide by ","marks":[{"type":"italic"}],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://legal.trustpilot.com/for-businesses/guidelines-for-businesses"},"content":[{"nodeType":"text","value":"Trustpilot’s Guidelines","marks":[{"type":"italic"}],"data":{}}]},{"nodeType":"text","value":", but have not been reviewed for compliance.","marks":[{"type":"italic"}],"data":{}}]}]}},{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"5uhINdHe89hwg45LW7cKJq","type":"Entry","createdAt":"2024-03-29T17:39:39.849Z","updatedAt":"2024-03-29T17:39:39.849Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":20,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"article"}},"locale":"en-US"},"internalTitle":"Who does D.C. trust with big financial decisions?","title":"Who does D.C. trust with big financial decisions?","slug":"who-does-d-c-trust-with-big-financial-decisions","locale":"US","date":"2024-03-29","pillar":"buy-with-confidence","author":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"7wqYtoxiWYMQ6LhTQ8B6jU","type":"Entry","createdAt":"2021-03-18T18:32:22.362Z","updatedAt":"2021-03-18T18:32:22.362Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"blogAuthor"}},"locale":"en-US"},"name":"Trustpilot","title":" ","image":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"5ioVj658RdFgWidZRDhAYt","type":"Asset","createdAt":"2021-03-18T18:32:14.608Z","updatedAt":"2021-08-24T12:05:30.569Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":7,"revision":2,"locale":"en-US"},"title":"Social media star avatar","url":"https://images.ctfassets.net/b7g9mrbfayuu/5ioVj658RdFgWidZRDhAYt/69f4c4e653626726577e8c402c3ccb03/SoMe_Avatar_1200_x_1200.jpg.png","details":{"size":182886,"image":{"width":1804,"height":1804}},"fileName":"SoMe_Avatar_1200_x_1200.jpg.png","contentType":"image/png","width":1804,"height":1804}},"thumbnail":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"4gIRgGXF9vIESXYNSIOsNT","type":"Asset","createdAt":"2024-03-29T17:33:36.622Z","updatedAt":"2024-05-24T08:13:01.561Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":8,"revision":2,"locale":"en-US"},"title":"Who does DC trust? ","description":"","url":"https://images.ctfassets.net/b7g9mrbfayuu/4gIRgGXF9vIESXYNSIOsNT/65e51a198a6de3e62eb5e761608c8bbf/Who_does_DC_Trust__1__1_1920x1080.jpg","details":{"size":2109018,"image":{"width":1920,"height":1080}},"fileName":"Who_does_DC_Trust__1_ 1_1920x1080.jpg","contentType":"image/jpeg","width":1920,"height":1080},"featuredResource":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2pHlHh2Q4gMgbpDPK8cSyG","type":"Entry","createdAt":"2024-03-29T17:34:04.115Z","updatedAt":"2024-05-23T14:54:35.363Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":7,"revision":2,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"title":"Who does DC trust? ","image":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"1d2HgLExhwlFXdcnG0X7ZS","type":"Asset","createdAt":"2024-05-23T14:54:31.281Z","updatedAt":"2024-05-23T14:54:31.281Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":5,"revision":1,"locale":"en-US"},"title":"Who does DC trust","description":"","url":"https://images.ctfassets.net/b7g9mrbfayuu/1d2HgLExhwlFXdcnG0X7ZS/3341b60f65bbe2a45ae2ad93ae6f753b/DSC06554.jpg","details":{"size":47625,"image":{"width":640,"height":427}},"fileName":"DSC06554.jpg","contentType":"image/jpeg","width":640,"height":427}},"summary":"Making big purchases like buying a home, taking out a mortgage or signing a rental agreement are intimidating and having to put your trust in others during the process can be downright overwhelming. ","intro":"Making big purchases like buying a home, taking out a mortgage or signing a rental agreement are intimidating and having to put your trust in others during the process can be downright overwhelming. ","content":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"But who we choose to lean on when making those important decisions is vital as the wrong choice can have legal and financial consequences. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Our latest survey of consumers in Washington DC shows some insightful trends when it comes to trust when making important financial decisions. These are some of the highlights:","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Not reading the terms and conditions is common","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Only (53%) of consumers in DC admit to reading the Terms \u0026 Conditions fully.","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Nearly two in five merely skim them before making large financial decisions. ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Nearly one in every five (19%) of respondents in D.C. who don't read the Terms \u0026 Conditions fully say they have found themselves in financial or legal trouble because of it.","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":" And there are many reasons why D.C. consumers are shying away from reading Terms \u0026 Conditions in full: ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"41% say they can’t be bothered to read the small print in full because it’s too long","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"29% of D.C. respondents say they they trust the company they are dealing with enough","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"34% of D.C. respondents believe the information they already have is sufficient","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"23% of D.C. respondents say they feel intimidated by financial jargon","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2M29Ipbvxo7lOck3edj8OJ","type":"Entry","createdAt":"2024-03-29T17:38:43.808Z","updatedAt":"2024-03-29T17:38:43.808Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":6,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"linkDivider"}},"locale":"en-US"},"fields":{"linkText":"Deciphering the fine print: A guide to understanding T\u0026Cs","url":"https://www.trustpilot.com/blog/trends-in-trust/terms-and-conditions-glossary"}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Nearly three-quarters (74%) of D.C. residents just consult two people or less when making big financial purchases of $5,000 or more.","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Loved ones are a source of support in those big money moments","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Consumers are turning to other sources for financial advice and leaning on them to help with buying decisions, including getting them to read through Terms \u0026 Conditions:","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Nearly a third (30%) rely on their partner. ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Meanwhile, 31% turn to local financial experts. ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Be careful who you trust","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"24% of D.C. residents say they regret trusting a third party to read through the Terms \u0026 Conditions.","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Trusting others when making such big financial decisions can be overwhelming, especially when these purchases often come with a load of industry terminology and rules that we don’t come across in everyday life. Researching and validating the credentials of the people you choose to support you in those crucial moments is vital to save yourself from any legal or financial implications and make the process as smooth as possible.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}}]}]}},{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"32iBnTpG8VcxKVrrb9lUxj","type":"Entry","createdAt":"2024-03-29T17:50:07.753Z","updatedAt":"2024-04-04T14:36:05.299Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":22,"revision":3,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"article"}},"locale":"en-US"},"internalTitle":"Who does Philadelphia trust with big financial decisions?","title":"Who does Philadelphia trust with big financial decisions?","slug":"who-does-philadelphia-trust-with-big-financial-decisions","locale":"US","date":"2024-03-29","pillar":"buy-with-confidence","author":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"7wqYtoxiWYMQ6LhTQ8B6jU","type":"Entry","createdAt":"2021-03-18T18:32:22.362Z","updatedAt":"2021-03-18T18:32:22.362Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"blogAuthor"}},"locale":"en-US"},"name":"Trustpilot","title":" ","image":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"5ioVj658RdFgWidZRDhAYt","type":"Asset","createdAt":"2021-03-18T18:32:14.608Z","updatedAt":"2021-08-24T12:05:30.569Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":7,"revision":2,"locale":"en-US"},"title":"Social media star avatar","url":"https://images.ctfassets.net/b7g9mrbfayuu/5ioVj658RdFgWidZRDhAYt/69f4c4e653626726577e8c402c3ccb03/SoMe_Avatar_1200_x_1200.jpg.png","details":{"size":182886,"image":{"width":1804,"height":1804}},"fileName":"SoMe_Avatar_1200_x_1200.jpg.png","contentType":"image/png","width":1804,"height":1804}},"thumbnail":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"27MdGXXRildxoaMtFUgIer","type":"Asset","createdAt":"2024-03-29T17:47:01.754Z","updatedAt":"2024-05-24T08:14:05.525Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":7,"revision":2,"locale":"en-US"},"title":"Who does Philly trust? ","description":"","url":"https://images.ctfassets.net/b7g9mrbfayuu/27MdGXXRildxoaMtFUgIer/ae0db2bf63ecd28d58f7e15b8b1e1f5f/Who_does_Philly_Trust_1_1920x1080.jpg","details":{"size":1498634,"image":{"width":1920,"height":1080}},"fileName":"Who_does_Philly_Trust 1_1920x1080.jpg","contentType":"image/jpeg","width":1920,"height":1080},"featuredResource":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"7LlOdoJhF0vr6urc5XSPsN","type":"Entry","createdAt":"2024-03-29T17:47:26.315Z","updatedAt":"2024-05-23T14:55:24.758Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":7,"revision":2,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"title":"Who does Philly trust? ","image":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"3d9newmOzu3LYLtyF2bCNi","type":"Asset","createdAt":"2024-05-23T14:55:21.746Z","updatedAt":"2024-05-23T14:55:21.746Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"title":"Who does Philly trust","description":"","url":"https://images.ctfassets.net/b7g9mrbfayuu/3d9newmOzu3LYLtyF2bCNi/8041e276345d88fb43c26686b2b82dd6/DSC06765.jpg","details":{"size":34520,"image":{"width":640,"height":427}},"fileName":"DSC06765.jpg","contentType":"image/jpeg","width":640,"height":427}},"summary":"The stakes are high when making big financial decisions and our latest survey of consumers in Philadelphia reveals some eye-opening stats around who we trust when it comes to making those big purchases. Here are some of the highlights:","intro":"The stakes are high when making big financial decisions and our latest survey of consumers in Philadelphia reveals some eye-opening stats around who we trust when it comes to making those big purchases. Here are some of the highlights:","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Avoiding terms and conditions is common in Philly","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Only 55% of consumers in Philly admit to reading the Terms \u0026 Conditions fully.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Nearly two in five people merely skimming terms and conditions before making large financial decisions, such as signing a rental lease, taking out a mortgage, or buying a car.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Nearly one in every five (19%) of respondents in Philly who don't read the T\u0026Cs fully say they have found themselves in financial or legal trouble because of it.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":" And there are many reasons why Philly consumers are shying away from reading the T\u0026Cs: ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"39% say they can’t be bothered to read the print in full because it’s too long","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"32% say they don’t read the print in full because they trust the company they are dealing with enough","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"38% believe information they already have is sufficient","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"24% feel intimidated by financial jargon","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"5rfpLscy9m1L5BISFbBFwR","type":"Entry","createdAt":"2024-03-29T17:49:27.044Z","updatedAt":"2024-03-29T17:49:27.044Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"linkDivider"}},"locale":"en-US"},"fields":{"linkText":"Deciphering the fine print: A guide to understanding T\u0026Cs","url":"https://www.trustpilot.com/blog/trends-in-trust/terms-and-conditions-glossary"}}},"content":[],"nodeType":"embedded-entry-block"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Nearly three-quarters (74%) of Philly residents just consult two people or less when making big financial purchases of $5,000 or more. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Loved ones are a source of support in those big money moments","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Consumers are turning to other sources they trust for financial advice and leaning on them to help with buying decisions, including getting them to read through Terms \u0026 Conditions.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Nearly a third (31%) of Philly consumers rely on their partner. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Meanwhile, 29% turn to local financial experts.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Be careful who you trust","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"42% of Philly residents say they regret trusting a third party to read through the Terms \u0026 Conditions","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Trusting others when making such big financial decisions can be overwhelming, especially when these purchases often come with a load of industry terminology and rules that we don’t come across in everyday life. Researching and validating the credentials of the people you choose to support you in those crucial moments is vital to save yourself from any legal or financial implications and make the process as smooth as possible.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"To learn more about how Trustpilot can support your financial journey, visit the ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/money-moments?refresh=ipoiuytrdcvgt"},"content":[{"data":{},"marks":[{"type":"underline"},{"type":"bold"}],"value":"Trustpilot Financial Hub","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[{"type":"bold"}],"value":" and read through our guide to big money moments.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"\n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"}},{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"6LJ25ZkO1EeERtS58qrC6C","type":"Entry","createdAt":"2022-11-24T09:49:45.316Z","updatedAt":"2024-02-16T13:55:51.160Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":42,"revision":7,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"article"}},"locale":"en-US"},"title":"Everything you need to know about renters insurance","slug":"renters-insurance-guide","metaDescription":"What is renters insurance? What does it cover? How much does it cost? Do I need it? Here's everything you need to know about renters insurance and how to choose the right kind.","locale":"US","date":"2024-02-16","pillar":"buy-with-confidence","author":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"5DEbvrbAVH3bDDb70BmJOD","type":"Entry","createdAt":"2022-11-16T12:11:18.665Z","updatedAt":"2022-11-16T12:11:18.665Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":6,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"blogAuthor"}},"locale":"en-US"},"name":"Lauren B. Stevens","title":"Freelance Writer and Editor","description":"Lauren B. Stevens is an award-winning writer and editor with a decade of experience creating content for global brands. 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Stevens","description":"Freelance writer and editor","url":"https://images.ctfassets.net/b7g9mrbfayuu/2sIAFu2UNssE8KSNDFrPVg/64db18a3df75e3f01b3b75aac07376d7/LB_Stevens.jpg","details":{"size":43724,"image":{"width":300,"height":300}},"fileName":"LB Stevens.jpg","contentType":"image/jpeg","width":300,"height":300}},"thumbnail":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"4uwSWEVK5YjltZkYK7Oxkk","type":"Asset","createdAt":"2022-11-24T09:46:40.468Z","updatedAt":"2023-09-26T09:01:44.607Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":18,"revision":3,"locale":"en-US"},"title":"Renter's insurance guide","description":"A man standing next to a car full of luggage","url":"https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg","details":{"size":98313,"image":{"width":640,"height":480}},"fileName":"rental-insurance.jpg","contentType":"image/jpeg","width":640,"height":480},"featuredResource":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"1808IWlKGxqlHNLt39VJek","type":"Entry","createdAt":"2022-11-24T09:47:08.260Z","updatedAt":"2023-09-26T09:01:54.921Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":5,"revision":2,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"title":"Renter's insurance guide","featured":false,"image":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"4uwSWEVK5YjltZkYK7Oxkk","type":"Asset","createdAt":"2022-11-24T09:46:40.468Z","updatedAt":"2023-09-26T09:01:44.607Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":18,"revision":3,"locale":"en-US"},"title":"Renter's insurance guide","description":"A man standing next to a car full of luggage","url":"https://images.ctfassets.net/b7g9mrbfayuu/4uwSWEVK5YjltZkYK7Oxkk/ecd11bc0c995e8628f90ac243ba4ae44/rental-insurance.jpg","details":{"size":98313,"image":{"width":640,"height":480}},"fileName":"rental-insurance.jpg","contentType":"image/jpeg","width":640,"height":480}},"intro":"So you found the perfect rental. The view is amazing and after a little shopping splurge, you’ve filled it with some pretty incredible furniture and artwork. It feels almost too good to be true, and it has you thinking: What if something happens to your rental? What if there’s a kitchen fire, say, or a pipe breaks? Who has your back now? \n","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"That’s where renters insurance comes in. At the most basic level, renters insurance exists to protect people when something unexpected happens to their home. But there are nuances to the policies, and various types to choose from. Which coverage is right for you? Use this renters insurance guide to learn the why, how, and what of renters insurance coverage and arm yourself with the information you need to purchase your policy.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"What does renters insurance cover?","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"Renters insurance","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" protects your belongings, but not the building itself (your landlord has insurance to cover the structure and any furnishings provided with the rental), in the case of a catastrophic event such as a home fire. It may also kick in to help cover the cost of additional living expenses, such as hotel bills, if you have to move out while your home is being repaired. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Renters insurance also protects you by offering liability coverage. Say, for example, a guest staying at your rental home trips, strikes her head on your coffee table, and requires medical attention. If you’re in the US, you might normally be on the hook for covering those medical bills. But your renters insurance policy will help with these costs. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Why you need renters insurance","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"It might seem like overkill — paying for coverage from a fire that’s unlikely (you hope!) to ever happen. But take a quick mental inventory of your belongings. Start with the most expensive items you own: your laptop, television, furniture, and other items that were an investment to purchase. Do you have enough cash to replace these items if a disaster destroyed everything in your apartment today? Suppose a guest at your holiday party is seriously injured, can you easily manage medical and legal costs? 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","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"In a nutshell, renters insurance is used to:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"replace your belongings if they're lost, stolen, or damaged","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"protect you (and your assets) if an accident occurs and you’re liable for damages","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"help cover the costs of additional living expenses while your rental home is being repaired from an event like a fire","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"What is a covered loss?","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"A standard or basic renters insurance policy clearly states what events or disasters qualify as situations in which property loss will be covered. The ","nodeType":"text"},{"data":{"uri":"https://www.iii.org/article/your-renters-insurance-guide#Renters%20insurance%20protections"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"Insurance Information Institute","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" lists the following events as covered under standard renters insurance policies: Smoke, fire, lightning, vandalism, theft, explosion, windstorm, and certain types of water damage (e.g., a burst pipe). ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"What events aren’t covered?","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Most standard policies don’t cover floods or earthquakes. However, you can purchase flood insurance through another provider, such as the ","nodeType":"text"},{"data":{"uri":"https://www.floodsmart.gov/"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"National Flood Insurance Program","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":". Earthquake coverage may be purchased separately or added to your policy, depending on where you live; these policy additions are called riders, floaters, or endorsements.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Different types of renters insurance ","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Everyone’s needs are different, so you’ll want to do your homework. Depending on your living situation and finances, you may decide you need more coverage for your personal assets and less coverage for home injuries, or vice-versa. Renters insurance offers three types of coverage: Personal property, liability, and additional living expenses. 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Personal property coverage applies to your belongings and the cost to replace and repair those items, up to your policy’s stated limits. Be sure you understand the policy’s limit, as this is the maximum amount of coverage you’ll receive for lost or damaged items. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Liability","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Liability insurance covers the costs of repairs from damage you’ve caused and medical expenses if you’re responsible for an accident involving bodily injury. For instance, say your guest is cooking on the stove and the gas burner malfunctions, causing him to burn his hand and need medical attention. You can be liable for those bills, but in this instance, your insurance policy would cover the cost of the person's medical bills up to your coverage limit.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Additional living expenses","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"If a fire or burst pipe sends you to a temporary living arrangement, like a hotel, this type of renters insurance covers the cost of additional living expenses.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"How to estimate your coverage amount","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"After moving into your new rental, take stock of what you own. This inventory list will help you start to estimate the amount of renters insurance coverage you need. Most insurance companies offer a home inventory checklist you can use. It’s wise to save your list to a cloud-based app, so a record of your possessions will be accessible even if your home computer is destroyed.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"As you complete your home inventory, include details about each item, including purchase date and value. Inventory apps, like ","nodeType":"text"},{"data":{"uri":"https://undermyroof.app/"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"Under My Roof","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":", are convenient ways to keep tabs on your stuff — some even make it possible to upload photos of items to accompany the information. Once your inventory is complete, you should have a rough idea of the value you need to insure. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Policy deductible","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Another factor in your coverage is your policy deductible. Your deductible is the amount of money you’re responsible for paying out of pocket when you experience an insured loss. For example, if your deductible is $1,000 and you experience an insured loss of $4,500, your insurance company will issue a claim check for $3,500. The amount of your deductible will affect your policy premium; the lower the deductible, the higher the insurance premium.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Actual cash value vs. replacement cost","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"An actual cash policy depreciates the value of your belongings over time, issuing a payout based on their value at the time of loss. This type of policy is generally less expensive. While more expensive, a renters insurance policy with replacement cost coverage will pay out the cost to replace items you own with new versions. So, if your television is 10 years old, your policy would pay you the cost of replacing it with a new model.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"It’s worth noting that your policy will only pay to replace items up to your policy limits. So, if your individual item limit for electronics is $1,000 and you have high-value electronics worth more than the policy limit, you’ll want to consider adding additional coverage.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"According to the ","nodeType":"text"},{"data":{"uri":"https://www.iii.org/article/floaters-and-endorsements-special-coverage-valuables"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"Insurance Information Institute","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":", you’re able to increase your policy coverage for valuable items in two ways:\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Raise the liability limits.","nodeType":"text"},{"data":{},"marks":[],"value":"For example, you could try increasing your item limit for electronics. However, the overall limit for loss may still not be enough to replace items if you lose all of your electronics. \n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Purchase a policy endorsement or floater policy.","nodeType":"text"},{"data":{},"marks":[],"value":"This covers losses of any type (e.g., dropping an engagement ring down a sink drain) and allows you to insure individual items for their total values.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you go the route of an endorsement or floater policy (typically used to cover expensive items such as artwork, antiques, or jewelry), items to be insured must have an accompanying professional appraisal or purchase receipt.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Do you need a policy rider? ","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Depending where you live, sometimes you need coverage beyond what your basic policy offers, such as protection from natural disasters like hurricanes, floods, and earthquakes. You might consider discussing these needs with an insurance agent — a licensed professional adept at helping people find the insurance products and policies that best fit their lifestyles. Some additional policy endorsements you might discuss include:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Scheduled property ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Pet damage","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Identity theft","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"At-home business","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Earthquake coverage","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"How to choose the right insurance company for your needs","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you own a car and have a policy with a standard property and casualty insurance company, you might start your search with them. Most major insurance providers offer discounts if you hold multiple policies (auto and renters insurance) with the same company. Some companies also offer additional discounts for security systems or if you have no previous insurance claims.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"A great way to get an idea of the marketplace and narrow down your options is to read ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"insurance reviews","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" so you can get a sense of carriers to explore (and ones to avoid).","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Many major insurance companies allow people to apply for policies online, but if you’re new to insurance, you could consider working with an insurance broker who’s familiar with many different insurance carriers and can help narrow down the best fit for your needs. When you work directly with an insurance agent or broker, you can request an annual policy review. Annual reviews ensure your coverage still meets your needs (and whether you need to update your policy if you’ve made any significant purchases in the last year).","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Whatever type of renters insurance policy you purchase, know that you are not locked in for life — or even for the duration of your rental. You can review and change your policy at any time, so don’t hesitate to move forward with coverage that works for you. 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An unhealthy sleep cycle can leave you feeling drained and exhausted. And lack of sleep or insomnia can put an enormous strain on every area of life from work to relationships.","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"However, there are ways to encourage better sleep by adopting the right bedtime habits. In this article we’ll look at seven things you can try to","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":" help you have a better, deeper sleep","nodeType":"text"},{"data":{},"marks":[],"value":" and wake up feeling refreshed.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you're keen to improve your nighttime rest, then you're in the right place.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"1. Exercise for more restorative sleep","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Daytime activities and what you do before bed can optimize sleep health. Doing 30 minutes of","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/dancing_gymnastics"},"content":[{"data":{},"marks":[],"value":" aerobic","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":", cardio or","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/fitness_weight_lifting"},"content":[{"data":{},"marks":[],"value":" resistance training","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" per day can help you fall asleep faster and sleep better. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Exercise","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/outdoor_activities"},"content":[{"data":{},"marks":[],"value":" outdoors","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" in the morning if possible, for exposure to bright light that regulates the body's internal clock. Try","nodeType":"text"},{"data":{"uri":"https://www.health.harvard.edu/blog/8753-201512048753"},"content":[{"data":{},"marks":[],"value":" gentle yoga poses","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" before bed, focusing on breathing to aid stress, anxiety, depression, and sleep. But don’t exercise within 90 mins of going to bed to give your body time to cool down and relax.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"2. Proper nutrition can improve sleep quality","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"It's not just falling asleep that's important but remaining asleep throughout the night too. With so many tips for better sleep, it's hard to know where to start. Consider what you eat and drink throughout the day, any medications you take, and how you spend your evenings. These all contribute to your sleep quality.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Food and drink ","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Eat healthy food to keep you full for longer periods, so you don't wake up hungry at night. Don’t overeat, eat slowly and mindfully to assist digestion. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Stay clear of spicy foods before bed, as well as treats with sugar. Caffeine is a no-no and alcohol may send you to sleep quickly but causes disruptive sleep patterns. 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You may find that magnesium in food or supplement form can improve your sleep routine. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"The hormone melatonin plays a big role in your natural sleep-wake cycle. Melatonin supplements may help treat some sleep disorders.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Where legal, CBD oil or gummies like those from","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/review/fusioncbdproducts.com"},"content":[{"data":{},"marks":[],"value":" Fusion CBD Products","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" are sometimes effective for sleep and anxiety issues, but","nodeType":"text"},{"data":{"uri":"https://www.sleepassociation.org/sleep-treatments/cbd/"},"content":[{"data":{},"marks":[],"value":" do your research","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" before buying. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"But as always, consult your doctor before adding new supplements to your sleep routine. \n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2iRUaFLxq0yvE1QeLfgems","type":"Entry","createdAt":"2022-02-08T20:35:07.662Z","updatedAt":"2022-02-08T20:35:07.662Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of Heights","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"1VfgvGisNEXXy3d4MIs0kI","type":"Asset","createdAt":"2022-02-08T20:34:53.815Z","updatedAt":"2022-02-08T20:34:53.815Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":5,"revision":1,"locale":"en-US"},"fields":{"title":"Review of Heights","description":"Five star review of Review of Heights on Trustpilot","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/1VfgvGisNEXXy3d4MIs0kI/02fb23de1be3ce7d8c74b457b168eb9b/Review_of_Heights.png","details":{"size":101278,"image":{"width":1170,"height":444}},"fileName":"Review of Heights.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/61ddc766a16c1e751f661335","articleWidth":true}}},"content":[],"nodeType":"embedded-entry-block"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"4. Turn off electronics before bed to fall asleep easier","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"We live in a world dominated by electronics like phones, laptops, and televisions. Try these healthy sleep habits to decompress and unwind before bed: ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Reduce any blue light exposure from your devices as it tricks the body into thinking it is daytime. There are lots of free blue light filters that reduce the blue light at nighttime. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Turn off any devices at least 30 minutes before bed, earlier if possible. Consider leaving devices in a different room from where you sleep and make your bedroom an electronics-free zone. 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Get cozy to tell your mind and body that it's bedtime","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"The more relaxed you feel, the faster you’re likely to fall asleep. In the run-up to bedtime try these ideas as part of your relaxing and restorative sleep routine","nodeType":"text"},{"data":{},"marks":[{"type":"bold"}],"value":":","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"A warm bath or shower","nodeType":"text"},{"data":{},"marks":[],"value":" before bed can relax tense, tired muscles to help de-stress. You can try soaking in epsom salts. They're rich in magnesium, which can help calm your body. 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Apps like ","nodeType":"text"},{"data":{"uri":"https://uk.trustpilot.com/review/calm.com"},"content":[{"data":{},"marks":[],"value":"Calm","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" and","nodeType":"text"},{"data":{"uri":"https://uk.trustpilot.com/review/headspace.com"},"content":[{"data":{},"marks":[],"value":" Headspace","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" have specialized sleep meditations to try. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Consider a sleep mask","nodeType":"text"},{"data":{},"marks":[],"value":" to block out unwanted light and earplugs for a proper feeling of hibernation. 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Check out out guide to help you find the best pet insurance for your dog or cat.","locale":"US","date":"2024-02-14","pillar":"buy-with-confidence","author":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"6WjuZIwYhELJ0uj2j9mdCo","type":"Entry","createdAt":"2022-11-16T11:18:10.018Z","updatedAt":"2022-11-16T11:18:10.018Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":6,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"blogAuthor"}},"locale":"en-US"},"name":"Ana Merkulova","title":"Content Writer","description":"Ana writes about pets, careers, and the outdoors. 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In a survey by Forbes Advisor, 63% of pet parents said that they would struggle to pay a surprise vet bill. Forty-two percent said a bill of $999 would put them in debt. ","content":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Pet insurance could provide some relief. In fact, pet insurance is becoming increasingly popular: The North American Pet Health Insurance Association says that ","nodeType":"text"},{"data":{"uri":"https://naphia.org/industry-data/"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"4.41 million pets ","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":"were insured at the end of 2021 and that number is expected to increase for 2022. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you’re considering buying pet insurance, this guide is for you, with pointers on: ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"How pet insurance works","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Factors that determine costs","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Where and how to find a reputable provider","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Things to think about before you sign a policy","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"How does pet insurance work?","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Pet insurance is similar to health insurance for humans. You pay premiums to an insurance company, and they agree to cover a predetermined set of services. Some veterinary clinics accept payment directly from pet insurance companies, while others will ask you to pay upfront and then file a claim for reimbursement.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"What’s covered (and not) by pet insurance ","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Your coverage will depend on your policy type (more on those in a bit). For the most part, pet insurance covers treatments for unexpected illnesses. That includes chronic conditions your pet may develop while enrolled in the policy. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Most policies will not cover care for pre-existing conditions, including conditions that are suspected but not yet confirmed. Some insurance companies also won’t cover hereditary or congenital conditions, like hip dysplasia for German Shepherds and Maine Coons.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Similarly, preventative care like wellness exams, vaccinations, and spay/neuter surgeries are not covered, but insurers often offer a separate policy for those services. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Non-medically necessary expenses (groomer visits, training, boarding) are usually not covered.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Types of policies available","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"When selecting a pet insurance policy, you’ll usually be choosing between these options:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Accident-only.","nodeType":"text"},{"data":{},"marks":[],"value":" This policy will only cover treatments needed after an accident. It’s the claim you hope you’ll never need to file, but if your pet got hit by a car, you should be covered for things like X-rays, bone setting, wound treatment, and antibiotics. Other expenses usually covered include treatment for accidental poisoning, bite wounds and lacerations, burns, and snake bites.\n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Accident and illness.","nodeType":"text"},{"data":{},"marks":[],"value":" As the name implies, in addition to treatment for accidents, A\u0026I insurance will also cover treatment for illnesses. Surgeries, diagnostic tests, prescription medications, and procedures needed to treat sudden illness are covered. Most of these plans do not cover treatment for pre-existing conditions or preventative care (vaccinations, spay/neuter surgeries, flea/tick treatments).","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Wellness plans. ","nodeType":"text"},{"data":{},"marks":[],"value":"These plans cover costs traditionally left out of other pet insurance plans: vaccinations, wellness exams, dental treatments, and other preventative care. They are often offered as an add-on—or a rider, in insurance-speak—to accident-only or accident and illness policies, though some insurance companies sell it as a separate plan.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Other add-on plans (riders).","nodeType":"text"},{"data":{},"marks":[],"value":" Add-ons can be purchased in addition to your primary policy. For example, some A\u0026I policies don’t cover cancer treatments, but the insurance company may offer to cover them as an “add-on/rider” to your main policy for an additional cost. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"How much will pet insurance cost? ","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Policies range by your geographic location and setting, but in general, according to ","nodeType":"text"},{"data":{"uri":"https://naphia.org/industry-data/section-3-average-premiums/"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"data from the North American Pet Health Insurance Association (NAPHIA","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[{"type":"underline"}],"value":")","nodeType":"text"},{"data":{},"marks":[],"value":", the average monthly premiums for 2021 were: ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"$19.93, accident-only plans for dogs","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"$48.66, accident and illness for dogs","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"$10.85, accident-only plans for cats","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"$28.57, accident and illness for cats","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"Whether your policy is higher or lower than that will depend on ","nodeType":"text"},{"data":{"uri":"https://www.valuepenguin.com/pet-insurance/average-cost-of-pet-insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"several variables","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":", including the following.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Your type of pet ","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Dogs tend to have higher vet bills because they ","nodeType":"text"},{"data":{"uri":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7143178/"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"go to the vet more often","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" than other pets, so they are more expensive to insure.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Pet insurance for purebred animals can also be more expensive. Many purebred dogs and cats are predisposed to hereditary conditions and are likely to have more vet expenses.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Older pets, who are more likely to be in poor health, will also have higher premiums.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Your location","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Your premiums will vary by location, based on the estimated cost of vet care in your area. If you’re in a large metro area, you’ll likely pay more for pet insurance.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"What type of coverage you want","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"As noted, your costs will also depend on the type of policy you want. Here are some variables to consider.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Accident-only vs. accident and illness:","nodeType":"text"},{"data":{},"marks":[],"value":" A\u0026I policies have higher premiums because the insurance company must cover more expenses. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Lifetime vs. annual coverage:","nodeType":"text"},{"data":{},"marks":[],"value":" Lifetime coverage covers your pet year after year, for the rest of their life. Annual coverage ends at the end of your plan year and has to be renewed in order to continue. Policies with lifetime coverage are usually more expensive, since the insurance company is promising to cover your pet’s health expenses as they age, which can frequently go up.\n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Add-ons/riders:","nodeType":"text"},{"data":{},"marks":[],"value":" If you want to add coverage for wellness visits, vaccines, or treatment for a certain condition, your costs will be higher.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Deductible:","nodeType":"text"},{"data":{},"marks":[],"value":" A deductible is an amount you must pay out-of-pocket before the insurance company starts covering your costs. For instance, if you have a $2,000 deductible, your insurance won’t start reimbursing you until you pay $2,000 worth of vet bills out of pocket. Plans with higher deductibles have lower premiums, or the set amount you’ll have to pay annually. But you may have to pay out of pocket for a while before you meet your deductible. Plans with lower deductibles have higher premiums (your set annual cost), but you won’t have to keep paying for vet bills out of pocket for too long. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Reimbursement rate:","nodeType":"text"},{"data":{},"marks":[],"value":" A reimbursement rate is the percentage of covered veterinary expenses that your pet insurance company will cover. Most policies offer 80%-90% reimbursement rates. For example, if your veterinary bill is $1,000 and you have an 80% reimbursement rate, the insurance company will pay for $800 of that bill. Typically, the higher the reimbursement rate, the higher the premium.\n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Discounts:","nodeType":"text"},{"data":{},"marks":[],"value":" Some insurance companies will offer discounts for multi-pet policies, group policies, or bundled policies. They may also extend a lower rate for certain individuals like veterans or seniors. If you get a discounted premium, your costs may be lower.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"How to find the right pet insurance policy","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you’ve had your pet for a while, review their medical history and estimate how often your pet might visit the vet each year. Make note of any existing health conditions you want covered. If you are new to pet ownership, talk with fellow pet owners about their experience with costs for illness, accidents, and chronic health conditions. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Then, take a look at your budget and see, should your pet incur such vet costs, how much you could realistically afford to pay out of pocket each year. With that in mind, you’ll have a sense of what type of pet insurance policy you might want. 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","nodeType":"text"},{"data":{},"marks":[],"value":"Give this section (what’s not included) an extra once-over, so you’re not surprised down the road.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Benefit limits.","nodeType":"text"},{"data":{},"marks":[],"value":" Some policies will limit how much they will pay annually. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Payment terms","nodeType":"text"},{"data":{},"marks":[],"value":". Understand how much you’re paying for your premium and deductible and when coverage kicks in. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Waiting periods.","nodeType":"text"},{"data":{},"marks":[],"value":" Some policies will cover a condition after a waiting period. A common example is hip dysplasia in German Shepherds. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Steps to file a claim.","nodeType":"text"},{"data":{},"marks":[],"value":" Don’t wait until an emergency arises to figure out how you can access your benefits. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Renewals, cancellations, disputes.","nodeType":"text"},{"data":{},"marks":[],"value":" If you ever have a dispute with your insurance company, it’s good to know your options are ahead of time.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Not sure what something in your policy means? 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","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"I have an older pet with a chronic condition. Is pet insurance still worth it?","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"It could be. You’ll want to do some research and check reviews from other pet owners with older pets. Take a look at your current vet expenses and compare them with premium estimates to figure out what makes sense.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"My pet is pretty healthy. 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Your report contains information such as your name, social security number, address, and employment history as well as a list of your credit accounts, their balance, credit limit, and payment history. Late payments, bankruptcies, and collections can be listed too. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"What’s a credit score?","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Your credit score is a three-digit number that is derived from the information on your credit report. Credit bureaus generate your credit score based on their individual criteria (meaning it can differ depending on the bureau you check). 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Keeping an eye on your credit report regularly can help ensure accuracy and identify any potential errors or fraudulent activity.\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Loan and credit card approvals","nodeType":"text"},{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"heading-3"},{"data":{},"content":[{"data":{},"marks":[],"value":"Lenders use your credit report to determine your creditworthiness, which affects whether they approve you for","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/credit_debt_services"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":" loans or credit cards","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":". 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Going through these photos and reminiscing about the memories and stories behind them can be a heartwarming way to celebrate your relationship.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Memory lane game","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Design a playful game or treasure hunt around your home or neighborhood, focusing on places that are significant to your relationship. Save money, revisit your shared history and have a laugh while doing it, what more could you ask for?","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Make a donation","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Make a ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/charity"},"content":[{"nodeType":"text","value":"charitable donation","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" to a cause that's important to your partner. A thoughtful gesture like this shows that you understand and share their values which could mean more than any physical gift.","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"4yIJiCJ6vj1TcQ3an9Eer9","type":"Entry","createdAt":"2024-02-08T13:38:10.262Z","updatedAt":"2024-02-08T13:38:10.262Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":5,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"valentines day gifts and experiences","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"3DSKhi5HGyfKgOkrlnMY1H","type":"Asset","createdAt":"2024-02-08T13:37:26.758Z","updatedAt":"2024-02-08T13:37:26.758Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":5,"revision":1,"locale":"en-US"},"fields":{"title":"valentines day ideas on a budget","description":"","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/3DSKhi5HGyfKgOkrlnMY1H/fdfabcd5d4c032b2c67bc73c790e19ec/valentines-day-ideas-budget.jpg","details":{"size":164874,"image":{"width":640,"height":853}},"fileName":"valentines-day-ideas-budget.jpg","contentType":"image/jpeg"}}}}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Valentine's Day isn't about grand gestures or expensive gifts. It's about showing love and appreciation in ways that truly matter. This year, embrace these budget-friendly ideas to create a day filled with love, laughter, and unforgettable memories. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}},{"nodeType":"text","value":"Trustpilot is a review platform that is open to all. The companies and profile pages referenced in this article are provided for informational purposes only and are not recommended, endorsed by, or representative of the views of Trustpilot. 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When she's not acting as Trustpilot's cheerleader for all things consumer, you can find her training for her next marathon or cooking homemade pizza in her small, Brooklyn kitchen. \n","image":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"3w79pfY4mhvV313avLN7V","type":"Asset","createdAt":"2020-05-07T15:43:32.636Z","updatedAt":"2021-10-01T11:48:03.099Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":16,"revision":2,"locale":"en-US"},"title":"Lauren Sims, Consumer Marketing Manager, Trustpilot","url":"https://images.ctfassets.net/b7g9mrbfayuu/3w79pfY4mhvV313avLN7V/efa4cdd994e8f9a4b0859ae30a77cc7d/Lauren_Sims_Profile_1.png","details":{"size":870586,"image":{"width":800,"height":800}},"fileName":"Lauren_Sims_Profile_1.png","contentType":"image/png","width":800,"height":800}},"thumbnail":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"3zMnQZn4lTazE67vp9htoC","type":"Asset","createdAt":"2023-05-23T11:13:44.963Z","updatedAt":"2024-02-02T10:26:26.001Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":28,"revision":5,"locale":"en-US"},"title":"Donate unwanted items during a house clean out","description":"A close up of a phone taking a photo of a basketball and sneakers","url":"https://images.ctfassets.net/b7g9mrbfayuu/3zMnQZn4lTazE67vp9htoC/5cc5dc772848e789be8c182bd12c9e4b/donating-unwanted-items.jpg","details":{"size":163319,"image":{"width":1920,"height":1280}},"fileName":"donating-unwanted-items.jpg","contentType":"image/jpeg","width":1920,"height":1280},"featuredResource":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"206J3I6dO37W4DLYVGdfkw","type":"Entry","createdAt":"2023-05-23T11:14:13.854Z","updatedAt":"2023-05-23T11:14:13.854Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"title":"How to donate unwanted items during a house clean out","image":{"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"3zMnQZn4lTazE67vp9htoC","type":"Asset","createdAt":"2023-05-23T11:13:44.963Z","updatedAt":"2024-02-02T10:26:26.001Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":28,"revision":5,"locale":"en-US"},"title":"Donate unwanted items during a house clean out","description":"A close up of a phone taking a photo of a basketball and sneakers","url":"https://images.ctfassets.net/b7g9mrbfayuu/3zMnQZn4lTazE67vp9htoC/5cc5dc772848e789be8c182bd12c9e4b/donating-unwanted-items.jpg","details":{"size":163319,"image":{"width":1920,"height":1280}},"fileName":"donating-unwanted-items.jpg","contentType":"image/jpeg","width":1920,"height":1280}},"intro":"Tackling a house clean out can generate tons of waste, including millions of unwanted household items annually.","content":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The Environmental Protection Agency (EPA) claims around ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.epa.gov/facts-and-figures-about-materials-waste-and-recycling/durable-goods-product-specific-data"},"content":[{"nodeType":"text","value":"9 million tons of furniture","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" alone are discarded in the United States each year. This figure does not include other household items such as clothing and electronics, which are usually the first to be thrown away when cleaning out a house.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"But there's a silver lining - you have a whole host of options to declutter your home while contributing positively to your community and the environment. Donating unwanted items, participating in a gifting economy, selling on resale sites, and opting for proper recycling are all responsible ways to rehome items during a house clean out.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"How to donate items during a house clean out ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Some items may indeed be destined for the landfill, but a large number of them might still have a second life. You might even earn some extra cash from these items. Here are some strategies to consider when decluttering your house.\n","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"1. Donation and charity shops","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Cleaning out your house is the perfect time to donate household items. ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/charity"},"content":[{"nodeType":"text","value":"Charities","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" and donation shops offer an excellent way to declutter while supporting those in need. If you're wondering where to donate household items, there are numerous local and national charities that accept a wide range of donations, such as clothing, furniture, books, and more.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Well-known organizations like Goodwill and The Salvation Army sell donated household items at low costs. However, it's always a good idea to check with your local charity shop before arriving with large items or massive donations. Depending on their space and current inventory, they may only accept specific items.\n","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"For unused, unexpired food and bathroom items, consider donating them to shelters or food pantries. This option is ideal for disposing of collected hotel toiletries or those uneaten cans of soup sitting on your pantry shelf.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/trends-in-trust/fundraising-fraud-how-to-make-sure-your-money-supports-the-right-cause"},"content":[{"nodeType":"text","value":"Read our charity scams guide","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" to ensure your donations go to the right place. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"2. Gifting economy groups\n","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Thanks to social media, gifting economy groups have grown in popularity as a resource for donating household items to your community. Operating on the principle of giving and receiving freely, these groups are an excellent option for items found during a house clean out that may not fit traditional donation categories.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"In my own local gifting group, I’ve seen half uneaten birthday cake, expired camera film, and a box of empty jam jars be offered and enthusiastically accepted by someone in the community. Some people have even successfully gifted ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.nytimes.com/2021/10/22/realestate/buy-nothing-facebook-group.html"},"content":[{"nodeType":"text","value":"dryer lint","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":". \n","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Below are some gifting economy resources:\n","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Buy Nothing Project and Freecycle Network ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"are worldwide networks of hyper-local gift economies. Items are given and taken freely, and participation is usually through Facebook or social media groups. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"OLIO","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" is an app that connects neighbors with each other and with local shops so surplus food and other items can be shared, not thrown away.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Little Free Library","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" is a global network of small, free-standing book exchanges where people can take a book or leave a book. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Really Really Free Market","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" is a temporary market held in various cities where people bring items to give away and take what they need.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Craigslist","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" is best known as a place to buy and sell items, however there is a \"Free\" section where people can list items they're giving away.","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"3. Resale sites","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Resale sites are an ideal way to convert high-quality, unwanted items from a house clean out into cash. These platforms cater to a wide range of used items, from clothes and furniture to electronics and cars.\n","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Examples include:","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/poshmark.com"},"content":[{"nodeType":"text","value":"Poshmark","marks":[{"type":"underline"},{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" online marketplace that allows individuals to buy and sell new or gently used clothing, shoes, accessories, and home goods.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/aptdeco.com"},"content":[{"nodeType":"text","value":"AptDeco","marks":[{"type":"underline"},{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" is a platform that specializes in selling high-quality pre-owned furniture and home decor, with a focus on sustainability and affordability, and provides a streamlined and hassle-free selling process for sellers.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/www.rubylane.com"},"content":[{"nodeType":"text","value":"Ruby Lane","marks":[{"type":"underline"},{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" is an online marketplace for antique and vintage jewelry, art, and home decor. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/ebay.com"},"content":[{"nodeType":"text","value":"eBay","marks":[{"type":"underline"},{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" is an online marketplace where you can sell just about anything, but is particularly good for electronics, antiques, and collectibles. \n","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"These sites are a great way to get rid of unwanted items, but may take time to sell, and may require you to actively manage inquiries about your listings. \n","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"4. Consignment sites","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If you're short on time or have specialty or luxury goods, consider selling through a consignment site. While these sites have stringent standards and offer less profit than direct selling, they manage the resale process, making your house clean out less cumbersome. Some consignment services include:\n","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/therealreal.com"},"content":[{"nodeType":"text","value":"The RealReal","marks":[{"type":"underline"},{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" is a platform where sellers can consign their high-end fashion items for resale, with the assurance of expert authentication and a streamlined selling process.","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/www.rei.com"},"content":[{"nodeType":"text","value":"REI Used Gear","marks":[{"type":"underline"},{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"is an online consignment platform where sellers can sell their gently used outdoor gear. REI pays consignees with REI credit. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/www.gazelle.com"},"content":[{"nodeType":"text","value":"Gazelle","marks":[{"type":"underline"},{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" buys and resells phones, tablets and laptops. Gazelle will generate an instant quote based on an item description, and after inspection they pay the seller within 2-3 business days.","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\n","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"5. Specialty recycling","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"You may have some defunct items that are good candidates for specialty recycling during your house clean out. Specialty recycling are items that can’t be thrown in your everyday recycling bin, but might be accepted by some retailers or recycling centers. \n","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Electronics","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" can often be dropped off at your local electronics retailer for free recycling. Everything from headphones, cords, batteries, and televisions can be recycled through these programs. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Textiles and damaged fabric and shoes","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" can be given to local textile recycling centers or consider donating them to charitable organizations that repurpose textiles. Many animal shelters will take blankets and towels, even if they’re stained or ripped. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Expired food ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"can often be composted in your backyard or look for local composting facilities that accept organic waste. Check your local farmers market – that’s where I drop my compost and fabric scraps.","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"6. Landfill","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Sometimes, throwing an item out really is the best option. If you’ve offered a broken, damaged, or low-quality item through your gifting economy with no one interested in upcycling it, and if it’s not a specialty item that can be recycled, it’s time to throw it away. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Don’t fall victim to ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.livescience.com/planet-earth/aspirational-recycling-how-bad-is-it-to-put-things-in-the-recycling-that-cant-be-recycled"},"content":[{"nodeType":"text","value":"aspirational recycling","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" (and inadvertently do more harm than good), rather, toss the item. If it needs to be replaced, use ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"http://trustpilot.com"},"content":[{"nodeType":"text","value":"Trustpilot","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" to find a high quality replacement that will last for years. \n","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Remember, conducting a responsible house clean out is about finding the best ways to declutter, while keeping in mind where to donate household items or how best to dispose of them. And when you’re ready to find a replacement, check out our ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/furnishing-a-home-on-a-budget"},"content":[{"nodeType":"text","value":"guide to furnishing your home","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":". 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