Featured · FAIR Plan
What is a FAIR Plan — and who actually needs one?
A plain-English guide to the insurer of last resort: how it works, what it covers and when it makes sense.
The Unquoting blog
Insurance, explained plainly.
Guides on the FAIR Plan, staying covered after a denial, and building a career in insurance.
Articles
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Insurance tips
Turned down for home insurance? 5 steps to take next
A denial or cancellation isn't the end of the road. Here's what to do in the first week.
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FAIR Plan
FAIR Plan vs. a standard homeowners policy
What's included, what isn't, and how to fill the gaps with add-on coverage.
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Insurance tips
Do you need flood insurance if you have a FAIR Plan?
FAIR Plans don't cover flood. Here's how the National Flood Insurance Program fits in.
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Insurance tips
Insuring a vacant or rehab property: what landlords should know
Vacancy changes your risk — and your options. How to stay covered during a renovation.
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Careers & classes
How to get your Ohio insurance license in five weekends
From pre-licensing class to state exam to license — the full path, step by step.
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Careers & classes
Is a remote insurance career right for you?
What the work looks like day to day, and the skills that transfer from other fields.
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FAIR Plan
How long can you stay on a FAIR Plan?
A FAIR Plan can be a bridge, not a forever home. Here's how to move back to a standard policy when you're ready.
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FAIR Plan
FAIR Plan inspections: what to expect
What inspectors look for, how to prepare your property, and what happens if repairs are needed.
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FAIR Plan
Does a FAIR Plan satisfy your mortgage lender?
What lenders usually require, and how to show them proof of coverage.
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FAIR Plan
FAIR Plans for commercial buildings
What small business and building owners should know about commercial property coverage of last resort.
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FAIR Plan
The FAIR Plan for renters
Protecting your belongings when your building is hard to insure.
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Careers & classes
Property & Casualty vs. Life, Health & Accident: which license first?
What each license lets you sell, who each suits, and why some new agents get both.
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Careers & classes
Captive vs. independent agent: which career path fits you?
How the two paths differ in products, support and independence.
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Careers & classes
Changing careers into insurance at 30, 40 or 50
What transfers from your past work, what's new, and how to get started.
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FAIR Plan
FAIR Plan myths vs. facts
What people get wrong about the insurer of last resort — and what's actually true.
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FAIR Plan
What documents to have ready before applying for a FAIR Plan
A simple checklist to speed up your FAIR Plan application.
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FAIR Plan
Can you get a FAIR Plan if you've been canceled for nonpayment?
What a nonpayment cancellation means for your options, and what to do right away.
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FAIR Plan
FAIR Plan glossary: insurance terms in plain English
Declination, named peril, mortgagee, deductible and more — explained simply.
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FAIR Plan
Choosing a FAIR Plan deductible
How your deductible affects your premium and your out-of-pocket costs.
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FAIR Plan
What a FAIR Plan won't cover
A plain list of common exclusions — and how to fill the gaps.
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FAIR Plan
Why are more homeowners ending up on FAIR Plans?
The trends pushing more property owners toward the insurer of last resort.
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FAIR Plan
Questions to ask your agent before buying a FAIR Plan policy
A checklist to make sure you understand your coverage before you sign.
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Careers & classes
Is insurance a good career? Pros, cons and who it suits
An honest look at what's great about working in insurance — and what's hard.
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Careers & classes
What does an insurance agent do all day?
A typical day for an insurance agent, from morning follow-ups to evening quotes.
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Careers & classes
Do you need a college degree to work in insurance?
What Ohio requires to get licensed — and when a degree can help.
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Careers & classes
Insurance careers for introverts: roles beyond sales
Quiet strengths like focus, listening and detail work are valuable in insurance.
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Careers & classes
Insurance as a second job or side income
Part-time paths into insurance, and how to fit licensing around your current job.
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Careers & classes
How long does it take to start earning in insurance?
Setting realistic expectations for your first months as a new agent.
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Careers & classes
Insurance jobs that aren't sales
Underwriting, claims, customer service and more — careers in insurance beyond selling.
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Careers & classes
Commercial lines vs. personal lines: which side of insurance fits you?
Insuring people and families, or insuring businesses — how the two sides compare.
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Careers & classes
Medicare and senior insurance: a growing career path
What it takes to help older adults with Medicare-related coverage.
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Careers & classes
Five skills every new insurance agent should build
The habits that help new agents earn trust and grow faster.
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