Insurance Decoder

Insurance is where ordinary people quietly lose the most money — not by being ripped off, but by buying on autopilot. This playbook turns a confusing pile of policies into a clear four-line coverage map: insures what would break you, self-insures what wouldn’t, raises the cheap catastrophic protection (liability, renters, term life), drops the overinsurance (low deductibles, whole life, collision on a beater car), and re-shops auto and home at every renewal.