InsureVibes provides comprehensive, high-value educational guides and decision engines to help consumers navigate complex insurance contracts, statutory minimum limits, deductible mechanics, and contractual exclusions before buying or renewing coverage.
Auto Insurance Guide
Split liability limits, bodily injury vs property damage caps, comprehensive vs collision perils, TNC rideshare endorsements for gig drivers, telematics discounts, and diminished value claims.
Health Insurance Guide
The 4 stages of medical cost-sharing: deductibles, copayments, coinsurance (80/20 rule), and statutory out-of-pocket maximums under ACA 45 CFR § 156.130. High Deductible Health Plans (HDHPs) paired with HSAs.
Home & Renters Guide
ISO HO-3 Special Form open perils vs named perils, Actual Cash Value (ACV) vs Replacement Cost Value (RCV), the 80% coinsurance clause, flood exclusions, and water backup riders.
Life Insurance Guide
Level term life vs permanent whole life/IUL policies, the DIME method (Debt, Income, Mortgage, Education) coverage formula, and the statutory 2-year incontestability clause.