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Experience
- Car insurance
- Homeowners insurance
- Credit
- Debt
About Anna's expertise
Anna Baluch is a Cleveland-based expert insurance and personal finance writer. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart insurance decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Featured Work
New York Post: Here’s how to store your snowblower to make your life easier and safer
InsuranceNewsNet: Rising Risks, Rising Costs: The self-insured homeowner dilemma
Realtor.com: The Hottest Home Renovation in 2026 Will Transport the Most Important Room in Your House to the 1920s
BestMoney: Denied a Pet Insurance Claim? Here’s How to Appeal (Step-by-Step)
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Learn more about our editorial team and editorial guidelines here.
Anna's latest posts
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Cheapest Auto Insurance in Meridian, Mississippi
USAA has the cheapest car insurance in Meridian, with liability rates of $35 per month.
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Best Homeowners Insurance Companies in Georgia
Amica, USAA, and Farmers are among our top picks for home insurance companies in Georgia.
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Colorado Flood Insurance: Complete Guide for Homeowners in 2026
Homeowners in Colorado at risk of flooding can purchase flood insurance from the National Flood Insurance Program (NFIP) or a private insurance company.
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Houston Flood Insurance: Complete Guide for Homeowners in 2026
Flood insurance through the National Flood Insurance Program (NFIP) or a private insurer can protect your Houston home from flood damage.
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Georgia Flood Insurance: Complete Guide for Homeowners in 2026
It’s a good idea to have flood insurance in Georgia, which you can purchase from the National Flood Insurance Program (NFIP) and private insurers.
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How Much Is Homeowners Insurance on a $400,000 House?
The average cost to insure a $400,000 home is $3,552 per year.
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Homeowners Insurance for First-Time Buyers
If you’re a first-time homebuyer with a mortgage or you want to protect your home and belongings from financial losses, you’ll need home insurance.
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What Is Other Structures Coverage in Home Insurance?
Other structures coverage protects permanent structures on your property, like a fence, shed, or freestanding garage.
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5 Best San Jose Homeowners Insurance Companies
Allstate, Travelers, and USAA offer some of the best homeowners insurance policies in San Jose, California.
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5 Best Naples Homeowners Insurance Companies
Security First, USAA, and Nationwide offer some of the best homeowners insurance policies in Naples, Florida.
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5 Best Cincinnati Homeowners Insurance Companies
Buckeye Insurance and Ohio Mutual offer some of the best homeowners insurance policies in Cincinnati.
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5 Best Fayetteville Homeowners Insurance Companies
USAA and Allstate offer the best homeowners insurance policies in Fayetteville, North Carolina.
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5 Best Tallahassee Homeowners Insurance Companies
Progressive, USAA, and Chubb offer some of the best homeowners insurance policies in Tallahassee, Florida.
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5 Best Chicago Homeowners Insurance Companies
Westfield, Allstate, and Erie offer some of the best homeowners insurance policies in Chicago.
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Cheapest Car Insurance Quotes in South Carolina
USAA, Auto-Owners, and State Farm are the cheapest auto insurers for minimum coverage in South Carolina.
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Cheap Car Insurance Quotes in Joplin, Missouri (October 2026)
USAA offers the cheapest car insurance in Joplin, Missouri, with liability premiums averaging $42 per month. Due to low traffic congestion and lower vehicle theft rates, Joplin has more affordable coverage than the Missouri state average.
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Average Car Insurance Cost in Nebraska
Drivers in Nebraska pay an average of $102 per month for car insurance.
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Cheapest Car Insurance Quotes in Rochester, New York (October 2026)
The cheapest car insurance company in Rochester is Erie, with average liability rates of $35 per month. Premiums in the area are likely cheaper than the New York State average due to lower population density and shorter commute times.
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Cheap Car Insurance for Senior Drivers in Michigan
USAA is the cheapest insurer for senior drivers in Michigan, with an average liability insurance quote of $56 per month.
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Cheap Car Insurance Quotes in Murfreesboro, Tennessee (October 2026)
State Farm has the cheapest car insurance in Murfreesboro, with an average liability-only rate of $39 per month. The city’s longer commute times and heavy congestion lead to higher rates than in surrounding areas.
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Cheapest Car Insurance Quotes in Charlotte, North Carolina (October 2026)
The cheapest auto insurer in Charlotte is Erie, with average monthly rates of $61 for liability insurance. Drivers in Charlotte pay the highest premiums in North Carolina due to greater population density, major congestion, and high theft rates.
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Cheapest Car Insurance Quotes in Rialto, California (October 2026)
The cheapest car insurance company in Rialto is USAA, with an average monthly premium of $71 for liability coverage. Greater population density and higher vehicle theft rates may help explain why Rialto’s rates are more expensive than in nearby smaller cities.
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Gap Insurance in Indiana
Gap insurance is an add-on that covers the difference between the amount you owe on a financed vehicle and what your insurer pays after a total loss. Progressive offers the cheapest rates in Indiana.
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Cheapest Car Insurance Quotes in Nevada
Country Financial offers the cheapest auto policies in Nevada, with average monthly rates of $52 for liability insurance. Compare real car insurance quotes from top companies in Nevada. No calls, no spam, and you can buy online with help from our licensed agents.
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Cheapest Auto Insurance in New Haven, Connecticut
State Farm offers the cheapest rates in New Haven, starting at $101 per month
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Cheapest Auto Insurance in Idaho Falls, Idaho
Auto-Owners offers the cheapest car insurance in Idaho Falls, with minimum-coverage policies as low as $32 per month.
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Cheap Car Insurance Quotes in Escondido, California (October 2026)
USAA offers the cheapest car insurance in Escondido, with an average monthly rate of $62 for liability insurance. The city’s longer commute times and heavy congestion lead to higher premiums than in surrounding areas.
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Rideshare Insurance in Maryland
USAA offers the cheapest full-coverage insurance in Maryland, at $160 per month.
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Cheap Auto Insurance in Scottsdale, Arizona
Auto-Owners offers the cheapest car insurance in Scottsdale, with minimum-coverage policies as low as $51 per month.
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Cheapest Auto Insurance in Cheyenne, Wyoming
Safeco offers the cheapest car insurance in Cheyenne, with rates starting at $42 per month.
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Car Insurance Requirements in South Dakota
South Dakota requires drivers to purchase 25/50/25 limits for liability coverage, as well as uninsured motorist coverage.
Cheap SR-22 Insurance in New Hampshire From $84
The average cost of insurance for drivers with a DUI — who will need to file an SR-22 form — is $84 per month for liability and $137 for full coverage.
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Gap Insurance in Colorado
Gap insurance in Colorado can help if you total your financed or leased vehicle.
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Rideshare Insurance in Florida
Florida rideshare drivers and companies need to meet minimum insurance requirements that depend on the three phases of rideshare driving.
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Cheap Auto Insurance in Fayetteville, Arkansas
State Farm offers the cheapest car insurance for Fayetteville drivers, with minimum-coverage rates starting at $74 per month.
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Cheapest Car Insurance Quotes in Silver Spring, Maryland (October 2026)
The cheapest car insurer in Silver Spring is USAA, with an average monthly liability rate of $107. Premiums are higher than in larger nearby cities due to Silver Spring’s high population density.
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Cheapest Full-Coverage Car Insurance in Texas
Texas drivers can find the cheapest full-coverage car insurance from State Farm, with rates averaging $88 per month.
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Cheapest Car Insurance Quotes in Springfield, Missouri (October 2026)
The cheapest car insurer in Springfield is USAA, with liability premiums averaging $45 per month. Shorter commute times and low tourism traffic may help explain why rates are lower than the Missouri state averages.
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Cheapest Auto Insurance in Grand Forks, North Dakota
North Dakota’s average liability insurance rate of $66 falls below the national average of $99.
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Same-Day Car Insurance in Michigan: How to Get Covered Today
You can get same-day car insurance in Michigan in minutes. Compare quotes, buy a policy online, and receive instant proof of insurance so you can legally drive today.
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How Long Does an Accident Affect Your Car Insurance in Texas?
A car accident in the Lone Star State can increase your car insurance premiums for three to five years.
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Cheap Auto Insurance in Conway, Arkansas
State Farm offers the cheapest car insurance in Conway, with minimum-coverage policies as low as $35 per month.
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Cheap Auto Insurance in Huntsville, Alabama
National General offers the cheapest car insurance in Huntsville, with liability-only policies as low as $40 per month.
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Cheapest Auto Insurance in Martinsburg, West Virginia
Martinsburg drivers can find the cheapest car insurance rates from State Farm. The insurer’s liability rates start at just $40 per month.
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Cost of Genesis Car Insurance
Genesis car insurance costs $188 per month across all models, on average.
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Car Insurance for Disabled Drivers
Insurance companies can’t charge you higher premiums because you have a disability.
Is High-Deductible Car Insurance Worth It?
A high deductible ($1,000-plus) probably isn’t worth it for most drivers. But if you’ve got a long history of being claims-free and savings to cover the deductible, a higher one could help you get a lower monthly premium.
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Best Cars for Teen Drivers
The Mazda3, Honda Accord, and Subaru Solterra are a few of the best vehicles for teens.
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Cost of Auto Insurance for a Used Mercury
The average cost to insure a used Mercury vehicle is $123 per month.
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How to File a Car Insurance Claim
To file a car insurance claim, start by gathering documentation and contacting your insurer.
How to Cancel Your Travelers Auto Insurance Policy in 6 Easy Steps
You can technically cancel your policy at any time, but Travelers may charge you a fee if you cancel before your renewal date.
EverQuote Review: Legit or Just a Lead Generator?
EverQuote is a lead-generation site that shares your contact information with its third-party partner insurers.
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Tesla Auto Insurance Review: Ratings and Quotes
Tesla Insurance provides telematics-based car insurance for Tesla drivers in select states.
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GEICO vs. Travelers: Which Insurance Company Is Better in 2026?
GEICO offers cheaper car insurance rates and earns higher customer satisfaction ratings than Travelers.
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Car Insurance for Married Couples: What to Know
Married drivers can usually lock in cheaper car insurance rates than single drivers.
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Dodge Challenger Car Insurance Quotes
Challenger drivers pay an average of $199 per month for car insurance.
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Is AAA Worth It?
If you’re a frequent driver and want access to a number of discounts, AAA might make sense. But if you only drive on occasion or can afford to cover roadside services as they arise, you may want to skip it.
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Travelers Auto Insurance: User Reviews and Quotes
Travelers holds strong financial strength ratings, but its premiums are higher than its competitors.
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How Much Car Maintenance Costs in 2026
From oil changes to tire rotations, car maintenance costs about $792 per year. But maintenance costs vary depending on your vehicle, where you live, and other factors.
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Collision Car Insurance: How It Works
Collision car insurance is an optional coverage that can pay to repair or replace your car after an accident, regardless of fault.
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The Hartford Auto Insurance: User Reviews and Quotes
The Hartford holds strong financial strength and customer service ratings but tends to have higher rates, averaging at $230 per month for full coverage.
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How Long Does a DUI Stay on Your Record?
Depending on the state, a DUI can stay on your record for five to 10 years. In some states, it’s permanent.
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How to Cancel Your AAA Auto Insurance Policy
You can cancel your AAA auto policy over the phone or in person at a local branch.
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Good2Go Auto Insurance Review: Ratings and Quotes
Good2Go partners with car insurance companies to sell basic-coverage policies. It’s best for difficult-to-insure drivers.
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Honda Civic Car Insurance Quotes
Honda Civic drivers pay an average of $153 per month for car insurance.
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AAA vs. Farmers: Which Insurance Company Is Better in 2026?
AAA has more affordable rates and higher third-party ratings than Farmers, but you have to be a member to qualify for coverage.
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Is AAA Worth It?
If you’re a frequent driver and want access to a number of discounts, AAA might make sense. But if you only drive on occasion or can afford to cover roadside services as they arise, you may want to skip it.
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Erie vs. Mercury: Which Is the Best?
Erie is a better insurance company than Mercury because it offers cheaper rates and has higher financial strength ratings.
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National General vs. Travelers: Which Is Best?
Travelers has high customer satisfaction scores and a wide selection of add-ons and discounts, making it our top pick.
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CSE Auto Insurance: User Reviews and Quotes
CSE offers affordable premiums for car insurance but is only available in Arizona, Nevada, and Utah.
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Car Insurance for Teachers: Discounts, Companies, and Average Rates
Teachers can save up to 15% on car insurance with educator discounts and pay around $180 per month for full coverage. Compare quotes from 120+ insurance companies on Insurify.
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GEICO vs. USAA: Which Is the Best?
GEICO is the best choice for most drivers, as USAA is available only to military members and their families.
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Best Home and Auto Insurance in Indiana
American Family and USAA are two of the best companies for home and auto bundling discounts in Indiana.
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Cost of Jaguar Car Insurance
Average car insurance cost for Jaguar drivers is $125 per month for liability-only policies and $236 per month for full coverage.
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Best Cheap Auto Insurance in Anchorage, Alaska
Compared to the average rates in Alaska, car insurance is more expensive in Anchorage, so it’s crucial to shop for the cheapest rates.
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Plymouth Rock Auto Insurance: User Reviews and Quotes
Plymouth Rock offers affordable coverage and excellent financial strength but fewer discounts and options than competitors.
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American Family vs. Mercury: Which Is the Best?
American Family’s low rates and additional add-ons earn it a higher IQ Score of 9.3.
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Affordable Life Insurance Companies
State Farm and Guardian Life offer cheap life insurance and high financial strength ratings.
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Best Term Life Insurance Companies
State Farm and Banner Life offer term life coverage and high customer satisfaction ratings.
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Best Life Insurance for Seniors
Insurers like State Farm, Mutual of Omaha, and Northwestern Mutual may be good options for seniors searching for affordable life insurance.
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Do You Need Life Insurance?
Most people could benefit from life insurance, but it’s not necessary for everyone.
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Non-Owner Car Insurance in Kentucky
Kentucky doesn’t require drivers to buy non-owner car insurance. But non-owner coverage might be worth it if you drive someone else’s car often or need to maintain coverage.
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Non-Owner Car Insurance in Michigan
Michigan drivers who don’t own a car but drive someone else’s car or need to maintain an SR-22 can buy non-owner car insurance.
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Experian Car Insurance Review: Consumer Reviews, Quotes
Experian offers real-time car insurance quotes from more than 40 top insurers.
Manufactured and Mobile Home Insurance in Florida
Mobile home insurance can protect your home from unforeseen events like theft and fires.
What Is a Total Loss in Car Insurance?
A car qualifies as totaled when its repair costs exceed its actual cash value.
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Best Pet Insurance in Hawaii
Spot, Embrace, and Paw Protect are Insurify’s top picks for pet insurance coverage in the Aloha State.
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How Much Is Pet Insurance?
Pet insurance costs an average of $43 per month for dogs and $23 per month for cats, Insurify data shows.
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Best Pet Insurance in Illinois
Spot, ASPCA, and Paw Protect are Insurify’s top picks for pet insurance coverage in the Prairie State.
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Best Pet Insurance in Iowa
Figo, Embrace, and Spot are the top pet insurers in the Hawkeye State.
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Home Renovation Insurance: Do You Need It for Your Remodel?
Standard home insurance may not cover all renovation risks. Consider adding home renovation insurance to fill coverage gaps.
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Renters Insurance for Mobile Homes
Mobile home renters coverage can help pay for your belongings and legal liabilities following unforeseen events.
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Renters Insurance: How Much Coverage Do You Need?
The right amount of renters coverage for you depends on the value of your belongings and your rental’s location, liability risk, and more.
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Defensive Driving Discounts and Courses: What You Should Know
A defensive driving course can lead to lower car insurance premiums.
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Life Insurance for Your Pet: How It Works and Who Needs It
Pet life insurance pays a death benefit if your pet passes away from an accident or illness. But it may not be worth the cost.
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Best Pet Insurance in Missouri
Figo, Pets Best, and Embrace are the top pet insurers in the Show Me State.
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Best Home Warranty Companies in California
American Home Shield and Liberty Home Guard offer comprehensive coverage for California homeowners.
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ePremium Renters Insurance Review: Cost, Coverage, and More
ePremium is a renters insurance agency that partners with landlords and property managers to sell policies to tenants.
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Printer Warranty: Is Buying Extra Coverage Worth It?
A printer warranty may not be worth it — unless you rely on your printer for high-volume, daily use.
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AppleCare vs. Verizon Insurance: Which Device Protection Plan Is Better?
AppleCare is more affordable, but Verizon insurance offers greater coverage.
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How Much Does Semitruck Insurance Cost?
The average cost of semitruck insurance falls between $3,000 and $22,000 per year, but your premium will depend on factors like your age, location, truck type, and cargo.
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5 Best West Palm Beach Homeowners Insurance Companies
State Farm, Armed Forces Insurance, and Nationwide offer some of the best homeowners insurance policies in West Palm Beach, Florida.
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Best Boat Insurance Companies
Progressive, Chubb, and Nationwide are a few of the top boat insurance companies. But the best insurer for you depends on your unique budget and goals.
What to Know About Personal Injury Protection Coverage in Texas
Texas insurers must include personal injury protection in all auto policies, but drivers can choose to opt out of the coverage.
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How to Get a South Carolina Driver’s License
To get a South Carolina license, you must pay a fee and may need to visit the state DMV, pass certain tests, and submit documents that provide your identity.
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Travel Guard Travel Insurance Review: Costs, Coverage, and More
Travel Guard offers three main travel insurance plans plus plenty of add-ons and 24/7 multilingual customer service.
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Is It Safe for Dogs to Eat Grapes?
It isn’t safe for dogs to eat grapes (or raisins) due to their toxic effects.
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State Farm Commercial Auto Insurance Review and Quotes
State Farm offers commercial car insurance with an optional telematics program for businesses in every state except Massachusetts and Rhode Island.
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Audi R8 Car Insurance Quotes
Audi R8 drivers pay a monthly average of $132 for liability-only insurance and $248 for full coverage.
Chevrolet Equinox Car Insurance Quotes
The average cost of car insurance for a Chevy Equinox is $129 per month, but specific costs vary by state and vehicle model year.
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Chevrolet Corvette Car Insurance Quotes
Chevy Corvette owners pay an average of $159 per month for car insurance, but rates vary by vehicle model year, state, and more.
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Best Wilmington Homeowners Insurance Quotes
Travelers, Cumberland Insurance Group, and State Farm offer some of the best homeowners insurance policies in Wilmington, Delaware.
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Subaru BRZ Car Insurance Quotes
Subaru BRZ owners pay an average of $131 per month for liability insurance and $246 for full coverage.
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Best Tucson Homeowners Insurance Quotes
American Family, USAA, and Chubb offer the best homeowners insurance policies in Tucson, Arizona.
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Shelter Home Insurance Review: Ratings and Quotes
Shelter offers a variety of discounts and add-ons to homeowners in 14 U.S. states.
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Best Travel Insurance for Seniors
Allianz Travel and Battleface are among the best travel insurance companies for senior travelers.
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Coverage.com Car Insurance Review: Consumer Reviews and Quotes
Coverage.com provides a combination of real car insurance quotes and offers, but you’ll need to resubmit your information on an insurer’s site to finalize coverage.
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Home Insurance Adjusters: What to Know
A home insurance adjuster assesses damage to your home and calculates your insurance payout after you file a claim.
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What Is Builder’s Risk Insurance for Homeowners?
Builder’s risk insurance protects a property while it’s being constructed or renovated.
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Is It Illegal to Hit a Deer and Drive Off?
Your state laws will determine whether you can drive off after you hit a deer, but regardless of where you live, it generally isn’t a good idea.
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What to Do If Your Home Insurance Claim Is Denied
You can file an appeal and increase your chances of a home insurance claim approval.
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Homeowners Insurance and Pit Bulls: How to Find the Best Coverage
Some insurers won’t cover homes with pit bulls or may charge much higher rates. Fortunately, you have options.
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Best Corpus Christi Homeowners Insurance Quotes
Progressive Home offers some of the cheapest homeowners insurance policies in Corpus Christi, with annual premiums averaging $1,018.
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How Long Does It Take to Get Homeowners Insurance?
It can take between five minutes to a few days to secure home insurance coverage.
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How to Read Your Car Insurance Policy
If you know the ins and outs of your car insurance policy, you can avoid unwanted surprises and high out-of-pocket costs after you file a claim.
Is an HO-8 Policy Right for Your Home?
An HO-8 policy may make sense if you own an older home, but this type of policy has drawbacks you need to consider.
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What Is an Elevation Certificate and How Does It Affect Flood Insurance?
An elevation certificate is an official document that gauges flood risk and helps determine rates for flood insurance.
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How to Get Cheap Homeowners Insurance With Bad Credit
You can lock in affordable home insurance coverage with bad credit, but you’ll need to shop around and explore your options.
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Cheapest Denver Homeowners Insurance Quotes
Auto-Owners has some of the cheapest homeowners insurance policies in Denver, with annual premiums of $1,660.
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When Not to File a Car Insurance Claim
If the cost of the damage doesn’t exceed your deductible or you damaged your own vehicle and only have liability coverage, it may not be worth it to file a claim.
What Happens If You Can’t Get Home Insurance?
Even if an insurer has denied you coverage in the past, you can find ways to lock in home insurance coverage.
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Alfa Insurance Auto Insurance Review: Ratings and Quotes
Alfa Insurance offers liability coverage for $194 per month and full coverage for $286 per month.
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Cheapest Auto Insurance in Kennewick, Washington
State Farm offers the cheapest car insurance in Kennewick, with minimum-coverage policies as low as $51 per month.
Cheapest Auto Insurance in Pocatello, Idaho
Pocatello drivers can find the cheapest car insurance rates from Auto-Owners. The insurer’s liability rates start at just $29 per month.