Amy Beardsley

Since even peaceful protests have the potential to escalate, civil unrest has the potential to lead to riots and looting of homes, businesses, and personal property, causing homeowners concern about damage.
It can leave many people asking: does insurance cover damage caused by civil unrest? The short answer is yes. Standard insurance policies generally cover destruction from civil commotion, including rioting, looting, and vandalism.
While that’s good news for most policyholders, it doesn’t s...

Life insurance shouldn’t be complicated. Discover how Everyday Life is making life insurance accessible for everyday people.
By: Amy Beardsley – – Senior Writer at Everyday Life Insurance.
While there are many things to consider when purchasing life insurance, at Everyday Life, we don’t think you should buy a policy just for the sake of having it. Instead, this guide will walk you through how we use smart predictive insurance to customize your policy to your life.
Many life insurance policies...

Wildfires are unfortunately becoming more common. The news reports the devastation as people evacuate their homes, often escaping with nothing more than what will fit in their cars. If you’re in an area with increased wildfire risk, you know the danger all too well.
Many homeowners in these high-risk areas face uncertainty about whether they can rebuild, whether their insurance coverage is enough, and where they will live in the meantime if tragedy strikes. Because wildfires can be unpredicta...

Buying a house is a process. If you’ve gone through it, you understand the paperwork, inspections, and reports that becoming a homeowner can require. Depending on the home you purchase, your insurance carrier may need a 4-point inspection of the house.
Four-point inspection reports can influence your ability to get homeowners insurance. Insurance companies use the information to decide whether they will offer coverage for your property.
If you need home insurance coverage and want to get the ...

When shopping for homeowners insurance, understanding the term “replacement cost” is crucial to getting the coverage you need. Most insurers offer three property coverage options: replacement cost value (RCV), actual cash value (ACV), and extended replacement cost.
Replacement cost is a popular choice among homeowners, but what is it, and is the coverage sufficient to protect your home? Insurify is here to walk you through RCV insurance and help determine if it’s right for you.
To compare opt...

Home insurance is a critical consideration for every homeowner. The cost can vary across each state, but there are ways to get the best rate on your homeowners policy in Birmingham, Alabama.
Known as the Magic City, Birmingham is nested at the foothills of the Appalachian Mountains. It’s an excellent location to purchase a home. The city was named one of the most affordable cities for first-time homeowners in 2019.
If you live in Birmingham or are looking to move there, Insurify can help you ...

Summary: Your credit score can help you qualify for a mortgage, credit card, and car insurance. But how do you stack up against everyone else? Find out with these credit score statistics.
Statistics say most people have good credit scores. But what does that mean for you?
We’ve put together a list of the most important credit statics you need to know - because having the right information can help you make better decisions about your credit to improve your score.
57% of Americans checked thei...

When you think of Idaho, you may think of rivers, mountains, and farmland—and potatoes, since the state is the number one national producer of the crop. But it also provides 72 types of precious and semiprecious stones, which give it the official nickname of the Gem State.
Nearly 70 percent of Idahoans own homes, meaning affordable home insurance coverage is at the top of most people’s to-do lists. Whether you make your home in one of the state’s gorgeous wilderness areas or the ...

Buying the perfect house for you and your family isn’t easy. Once you find a place that meets your needs, you have to wade through reports, inspections, financial paperwork, and home insurance policies.
It’s a confusing process—even more so if you aren’t familiar with the terminology. One buzzword you might come across on your journey to homeownership is “wind mitigation.” Wind mitigation is one way to protect your home from strong winds, and this guide will explain why it’s important to home...

Summary: Discover the names of the three main credit bureaus, what they do, and why it matters. Plus, learn the name of the fourth credit bureau you shouldn’t ignore.
You know credit scores are important. But what about credit bureaus? They’re pretty important, too.
But did you know there’s more than one?
That’s right!
There are three major credit bureaus: Experian, TransUnion, and Equifax. And their role goes beyond what you might think.
Increase Your Credit by 100+ Points
In a recent study ...

Summary: MyFICO is the only way to get access to all of your FICO Scores, including your score for mortgages, auto loans, and more. Find out what it is and how it compares to Experian and Credit Karma in this myFICO review.
There are so many options to monitor your credit. Nearly every credit card company and bank offer a “free credit score,” whether or not you want it.
Now, don’t get me wrong…
Credit scores are important!
And FICO is the king of credit scores. But that isn’t all.
Increase Yo...

Buying a house is tedious. Between interest rates, tax credits, and down payment assistance, there’s plenty to think about. And being a first-time homebuyer? That’s even more stressful. One misstep could cause you to miss out on your dream home.
The process is easier when you know the dos and don’ts of buying a home. Instead of learning as you go, you can use this guide we put together for first-time homebuyers. We’ll outline what to do and what not to do when figuring out how to buy a house ...

KEY TAKEAWAYS:
Family financial wellness is a crucial indicator of future financial stability. Without it, you may not meet your basic needs or long-term goals.
Educating yourself and taking steps toward financial wellness is easier than you might think.
These five financial wellness activities can provide a foundation to protect your loved ones with a family financial wellness plan.
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If you had to give yourself a grade for financial wellness, how would you rate yourself? You might be ...

A budget is a great way to eliminate debt, save money, and reach financial milestones. But updating your budget? Th...

Summary: Can you buy a car without dealer financing? Yes! Find out how to get preapproved for an auto loan before you head to the dealership.
Have you ever gotten a raw deal from a car salesperson? If you haven’t, you’ve probably heard at least one story about someone who has.
Keep in mind that not all car dealers are bad. You might have had an excellent experience!
But here’s the thing:
When it comes to financing a car, there’s something you need to know: you don’t have to get dealer financi...