Author name: nik pick

That “Hobby Farm” Endorsement on Your Homeowners Policy is Almost Worthless. I Sold a Few Eggs and It Voided My […]

Your House Burns Down. One Coverage Rebuilds the Walls, The Other Replaces Your Couch. The Two Promises of a Homeowners

That Detached Garage Isn’t Covered as Much as You Think. The Coverage A vs. B Problem. My Garage Was Worth

The Good (DP-2) vs. The Best (DP-3) Landlord Insurance Policy. The Subtle but Critical Upgrade to “All-Risk.” A DP-2 policy

The DP-1 “Bare Bones” Policy: The Riskiest Way to Insure Your Rental Property. My Tenant’s Fire Cost Me a Fortune

Are These the Same Thing? Yes and No. The Jargon-Free Guide. Two Names, One General Idea, but a Critical Difference

Co-op vs. Condo: Why Your Insurance Needs are Drastically Different, Even With the Same HO-6 Policy. The Policy is the

The “Surprise” $10,000 Deductible Hidden in Your Policy After a Hail Storm. My “All Peril” Deductible Was a Lie. After

Actual Cash Value (ACV) vs. Replacement Cost Value (RCV) The “Actual Cash Value” Trap That Cost My Neighbor $80,000 After