Author name: nik pick

Use a replacement cost value (RCV) policy, not an actual cash value (ACV) policy. The Day My 5-Year-Old TV Was […]

Use a policy with a fixed annual deductible, not a per-incident deductible. The Year My Dog Had Three “Incidents” and

Use an independent insurance agent, not a captive agent, to get objective advice and more options. The Agent Who Showed

Use a public adjuster for a large claim, not just the insurance company’s adjuster. The Adjuster Who Worked for Me,

Use a plain-language summary of your policy, not just the full legal document, for initial understanding. The Cheat Sheet That

Use a business owner’s policy (BOP), not just a general liability policy, to bundle property and liability coverage. The Two

Use a comprehensive annual travel insurance plan, not single-trip policies, if you travel more than twice a year. How I

Use an “own-occupation” disability policy, not an “any-occupation” policy. The Day My Insurer Told Me a Surgeon Could Be a

Use an accelerated underwriting process, not a fully underwritten one, if you’re healthy and want coverage fast. How I Got

Use a health savings account (HSA) with a high-deductible plan, not a low-deductible PPO, for long-term tax advantages. How My