Insurance resources & guides
Everything you need to understand coverage and shop with confidence — plain-English guides, quick answers, and clear definitions. No jargon, no sales pitch.
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Three ways to get answers, depending on what you’re after.
Guides
In-depth, plain-English walkthroughs on choosing and buying each type of coverage — what to look for, what to skip, and how to save.
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FAQ
Quick answers to the questions people ask most — from “is this required?” to “how do you make money?”
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Glossary
Insurance terms explained simply — premium, deductible, liability, and the rest of the fine-print vocabulary.
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Browse by coverage
Jump straight to what each type of insurance covers, what it costs, and how to get a quote.
Liability, collision, and full coverage — required in most states.
Protect your home and belongings; usually required by your lender.
Affordable cover for your belongings and liability.
Term and whole life to protect the people who depend on you.
Individual, family, and marketplace plans — with subsidy guidance.
Advantage, Supplement, and Part D for those turning 65.
General liability, workers’ comp, BOPs, and more.
Answer a few questions and we’ll point you to the right coverage.
Popular questions
The basics people ask most, answered quickly.
Is auto insurance required?
Yes — nearly every state requires a minimum of auto liability insurance to drive legally. Limits vary by state. More on our auto insurance page.
How do health insurance subsidies work?
Many households qualify for a premium tax credit based on income and family size that lowers the marketplace premium. A licensed agent applies your eligibility so you see your real price. See health insurance.
Term vs. whole life — what’s the difference?
Term life covers a set period and is the most affordable; whole life lasts your whole life and builds cash value at a higher premium. More on our life insurance page.
What business insurance is required?
Workers’ comp is required in most states once you have employees, and commercial auto for business vehicles. Clients often require general liability. See business insurance.
Does home insurance cover floods?
No. Standard home and renters policies don’t cover floods or earthquakes — those need separate coverage. More on home insurance.
Is Dean Insurance free, and how do you make money?
It’s 100% free to use. We’re paid by our carrier and agent partners only when you choose a policy, and we never sell your information. See our Privacy Policy.
Know the lingo
A few terms worth knowing before you shop. The full list lives in the glossary.
What you pay — monthly or annually — to keep your policy active.
What you pay out of pocket before your coverage starts paying.
Coverage for damage or injury you’re responsible for causing to others.
The most your policy will pay for a covered claim.
A request to your insurer to pay for a covered loss.
The person who receives the payout from a life insurance policy.
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