The Washington FAIR Plan: Who Ends Up There, What It Covers and How to Get Out
The Washington FAIR Plan insures up to $1.5 million at actual cash value, with no theft or liability. Who uses it, how to apply, and how to get back out.
Insurance Learning Center — page 6
Plain-English explanations of home, auto and Medicare rules in Washington and Florida: what the law requires, what policies usually cover, and what to check before you choose. Educational only; no products are offered on these pages.
Florida Medicaid and Medicare: How They Work Together If You Qualify for Both
Can you have Florida Medicaid and Medicare? Who is dual eligible, what Medicaid pays after Medicare, 2026 DCF limits, share of cost math and how to apply.
Florida No-Fault Law Explained: What PIP Pays, Who Can Sue, and Where Fault Still Matters
Florida's no-fault law: who must carry $10,000 of PIP, what it pays, the threshold for pain-and-suffering suits, where fault counts, and the 2026 repeal bills.
Medicare Advantage vs Medigap in Washington: How the Two Paths Differ
How Medicare Advantage and Original Medicare plus Medigap differ: networks, prior authorization, the 2027 out-of-pocket cap, travel and WA switching rules.
Car Accident Report in Washington State: The $1,000 Rule, the 4-Day Deadline and How to Get a Copy
Washington requires a collision report within 4 days for any injury or $1,000+ damage. How to file with WSP, get a copy for $10.50, and what insurers must do.
How Much Is Homeowners Insurance in Washington State? What the Regulator Data Shows
Washington's average HO-3 premium was $1,151 in 2022 vs $1,569 nationally. What OIC data shows since, what drives your price, and how to ask why it went up.
Florida Car Insurance Rates: What the Regulator Data Shows
Florida drivers spent $2,017.97 per car on auto insurance in 2024, the highest in the U.S., per NAIC. What OIR reports since, and what sets your own rate.
Florida Medigap Rules: Open Enrollment, Guaranteed Issue and Why There's No Birthday Rule
How Medigap works in Florida: 6-month open enrollment, guaranteed-issue rights, a 2-month window after group coverage, under-65 access and issue-age pricing.
Florida Wind Mitigation Inspection: The 2026 Form, Question by Question
Florida's wind mitigation form changed April 1, 2026: nine questions, who can sign it, how long it lasts, and how to check your credits are on your policy.
Medicare and Employer Coverage: Who Pays First and When You Can Delay Part B
The 20-employee rule, the 8-month Part B window, why COBRA and retiree plans don't count, the HSA trap with Part A, and the forms you need when you retire.
Flood Insurance in Washington State: Who Needs It, What It Covers, What It Costs
Fewer than 1 in 100 Washington homes has NFIP flood coverage. When it's required, the 30-day wait, what it pays, average cost, and the Dec 2025 flood claims.
SR-22 in Washington State: Who Needs One, How Long, and What Happens If It Lapses
A Washington SR-22 is an insurer's filing with DOL proving 25/50/10 liability, usually for 3 years. Who needs one, lapses, non-owner policies and alternatives.
Florida Roof Age Law: The 15-Year Rule, Roof Deductibles and What Insurers Can Still Do
Florida insurers can't refuse a roof under 15 years old solely for age. What s. 627.7011 says, the roof deductible cap, the 25% rule and Citizens' roof rules.
Florida Tort Reform (HB 837): What Changed for Drivers After a Crash
Florida's 2023 tort reform cut the deadline to sue after a crash to 2 years, added a more-than-50% fault bar and changed how medical bills and bad faith work.
Medicare Savings Program in Florida: 2026 Income Limits, Asset Test and How to Apply
Florida's 2026 QMB limit is $1,330 a month for one person, with a $9,950 asset test. What QMB, SLMB and QI-1 pay, when they start and how to apply with DCF.
Medicare Supplement in Washington State: How Medigap Works and the Rules That Make WA Different
How Medigap works in Washington: switch B-N policies any time without health questions, community rating, a 3-month pre-existing limit and 2026 Medicare costs.
Homeowners Insurance in Washington State: How a Policy Works and What It Leaves Out
Washington averaged $1,151 for an HO-3 policy in 2022. What the six coverages pay, what's excluded, the 80% rule, 60-day notices and Oct. 18 claim deadlines.
Total Loss in Washington State: How Your Car Gets Totaled and What the Insurer Must Pay
Washington has no fixed total loss percentage. How insurers must value a totaled car, the Oct 18, 2026 rule changes, sales tax, keeping the car and disputes.
Flood Insurance in Florida: What It Covers, What It Costs, and Who Has to Buy It
Florida has 39.1% of all NFIP policies, yet only about 13.7% of homes carry one. What flood insurance covers, the 30-day wait, Citizens' 2027 rule, Isaias.
Florida Uninsured Motorist Coverage: Why a Minimum Policy Has None, and How UM Really Works
One in five Florida drivers is uninsured, and a PIP-only policy typically has no UM. How s. 627.727 works: rejection forms, stacking, hit-and-run and deadlines.