Articles for category: Insurance

AustinDevos

Health insurance for freelancers

Best Health Insurance for Freelancers

Why Health Insurance Feels Different When You Work for Yourself Freelancing can feel wonderfully freeing until something practical and slightly uncomfortable comes along, like health insurance. When you work for a company, health coverage often sits quietly in the background. You may not think about it much beyond choosing a plan during enrollment season or ...

AustinDevos

Mississippi insurance guide

Mississippi Insurance Guide: Local Policies, Agents & Laws

Insurance in Mississippi has a local rhythm to it. It is shaped by river towns, coastal storms, rural highways, older homes, new developments, family farms, small businesses, and communities where people often know their local agent by name. A good Mississippi insurance guide should not feel like a stack of policy forms. It should explain ...

AustinDevos

Tennessee insurance guide

Tennessee Insurance Guide: Local Policies, Agents & Laws

Insurance in Tennessee has a practical, everyday importance that is easy to overlook until something goes wrong. A storm damages a roof in Middle Tennessee. A driver is hit on I-40. A family in Knoxville tries to understand health coverage options. A small business owner in Memphis wants to protect equipment, employees, and liability exposure. ...

AustinDevos

California insurance guide

California Insurance Guide: Local Policies, Agents & Laws

California is not an easy state to understand through a single insurance lens. A driver in Los Angeles, a homeowner in the Sierra foothills, a renter in San Diego, and a small business owner in Oakland may all live under the same state laws, but their insurance realities can feel completely different. Risk changes from ...

AustinDevos

climate change insurance impact

How Climate Change is Impacting Insurance

The conversation around climate change used to feel distant for many people. It was often framed as a scientific debate, a political issue, or a problem reserved for future generations. That has changed dramatically in recent years. Flooded neighborhoods, record-breaking wildfires, stronger hurricanes, and long stretches of extreme heat have made the effects impossible to ...

AustinDevos

insurtech trends 2026

Top InsurTech Trends to Watch in 2026

Insurance has long been known for caution, paperwork, and slow-moving systems. That reputation did not appear by accident. The industry manages risk, regulation, pricing accuracy, and claims during some of life’s most stressful moments. Change tends to happen carefully. Yet over the last few years, technology has steadily reshaped the sector. Digital onboarding, automation, connected ...

AustinDevos

Renters insurance basics

Renters Insurance Basics: What You Need to Know

There’s a quiet assumption many renters carry without realizing it: if something goes wrong in their apartment, the landlord’s insurance will somehow cover the loss. It sounds reasonable—until you look closer. In reality, a landlord’s policy typically protects the building itself, not the life unfolding inside it. That’s where renters insurance steps in, often quietly, ...

AustinDevos

Understanding insurance premiums

Understanding Insurance Premiums: What You Pay and Why

Insurance has a way of feeling both essential and mysterious at the same time. You know you need it—whether for your car, home, health, or life—but the numbers attached to it can feel oddly abstract. Among those numbers, one stands out the most: the premium. If you’ve ever paused while reviewing a policy and wondered ...

AustinDevos

Specialty insurance types

Types of Specialty Insurance You Should Know About

Insurance is often thought of in simple terms—health, auto, home. But once you look beyond the basics, there’s a whole world of coverage designed for very specific risks and situations. These are known as specialty insurance types, and they exist for the things that don’t quite fit into standard policies. From protecting rare collectibles to ...

AustinDevos

Best wedding insurance plans

Best Wedding Insurance Plans to Protect Your Big Day

Planning a wedding is often described as one of the most joyful experiences in life. It’s also one of the most complex events many couples will ever organize. Months of planning, multiple vendors, deposits, travel arrangements, and carefully selected venues all come together to create a single unforgettable day. But as every experienced wedding planner ...