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Experience
- Auto insurance
- Homeowners insurance
- Accounting
- Personal finance
- Taxes
About Janet's expertise
Janet Berry-Johnson is a CPA and a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Since joining Insurify’s freelance writing team in October 2022, Janet’s covered vital insurance topics from regional auto insurance costs to homeowners insurance and dog breed restrictions. A passionate advocate for insurance and personal financial empowerment, she lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Featured Work
Credit Karma: State Auto car insurance review
Forbes Advisor: Find the Right Way to Plan Your Taxes
New York Post: What to do if your loan application is denied
Our Editorial Guidelines
Insurify’s content goes through a rigorous editing and fact-checking process that includes reviews by insurance agents, data scientists, and multiple editors with years of experience in insurance and personal finance. We vet every article and report for: accuracy, educational value, objectivity, enjoyability.
Learn more about our editorial team and editorial guidelines here
Janet's latest posts
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Amica Auto Insurance: User Reviews and Quotes
Amica is a top-ranking car insurance company known for superior financial strength and fewer-than-average customer complaints.
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Cheapest Auto Insurance in Evansville, Indiana
Auto-Owners offers the cheapest car insurance in Evansville, with minimum-coverage policies as low as $43 per month.
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Cheapest Auto Insurance in Aurora, Colorado
State Farm offers the cheapest car insurance in Aurora, with minimum-coverage policies as low as $68 per month.
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Cheapest Car Insurance Quotes in Illinois
Auto-Owners is the cheapest car insurance company in Illinois, with liability rates averaging $38 per month. Get real-time quotes for Illinois and buy your policy all in one place with Insurify.
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Cheapest Auto Insurance in Oxford, Mississippi
State Farm offers the cheapest car insurance in Oxford, with minimum-coverage policies as low as $36 per month.
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Best Car Insurance in Delaware
State Farm, GEICO, and USAA offer some of the best car insurance options in Delaware.
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Cheap Auto Insurance in New York City
CSAA offers the cheapest rates for Big Apple drivers. Its minimum-coverage policies start at $152 per month.
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Cheapest Auto Insurance in Sarasota, Florida
Progressive is the cheapest liability-coverage insurer in Sarasota, with rates as low as $83 per month.
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Non-Owner Car Insurance in Texas
Non-owner car insurance is a liability policy for Texas drivers who don’t own a car but drive other people’s cars or need an SR-22.
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Cheapest Auto Insurance in Greenville, South Carolina
USAA offers the cheapest coverage in Greenville, with a liability rate of $65 per month.
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Liberty Mutual vs. State Farm: Which Insurance Company Is Better in 2026?
State Farm’s lower average rates, excellent customer satisfaction, and superior financial strength make it a better pick than Liberty Mutual.
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Cheapest Auto Insurance in Rochester, Michigan
Auto-Owners has the cheapest car insurance in Rochester, with an average liability rate of $67 per month.
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Cheapest Auto Insurance in Sioux City, Iowa
State Farm has the cheapest liability car insurance in Sioux City, with a rate of $24 per month.
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Car Insurance for High-Risk Drivers in California
High-risk California drivers have several options for finding affordable car insurance. We’ve summarized the best options for drivers in the Golden State with tickets, accidents, and other dings on their records.
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5 Best Home and Auto Insurance Bundles in Texas
State Farm and Allstate offer some of the best home and auto bundling discounts in Texas.
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Best Cheap Auto Insurance in Springfield, Oregon
State Farm, Mile Auto, and Sun Coast offer the cheapest car insurance rates in Springfield.
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Cheapest Car Insurance Quotes in Oregon
State Farm offers the cheapest liability rates in Oregon, at $54 per month. Shop real-time quotes for Oregon and buy your policy all in one place with Insurify.
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Cheapest Auto Insurance in Kalamazoo, Michigan
Auto-Owners has the cheapest car insurance in Kalamazoo, with monthly liability rates as low as $63.
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Cheapest Auto Insurance in Philadelphia, Pennsylvania
Philadelphia drivers can find the cheapest car insurance rates from State Farm. The insurer’s rates start at just $105 per month.
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Cheapest Auto Insurance in Detroit, Michigan
Auto-Owners offers the cheapest car insurance in Detroit, with minimum-coverage policies as low as $127 per month.
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Average Car Insurance Cost in Missouri
Drivers in Missouri pay an average of $135 per month for car insurance.
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DUI Car Insurance in Michigan
Drivers in Michigan with a DUI pay an average of $288 per month for car insurance.
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How to Shop for Car Insurance: Step-by-Step Guide
To shop for car insurance, compare quotes from multiple insurers, choose the right coverage limits, check discounts, and review policy details before buying.
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Average Car Insurance Cost in Michigan
Drivers in Michigan pay an average of $179 per month for car insurance.
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Cheap SR-22 Insurance in South Dakota from $79
South Dakota drivers with an SR-22 have an average monthly liability rate of $79.
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Cheap SR-22 Insurance in Montana from $75
The average cost of SR-22 insurance for Montana drivers is $75 per month for liability and $167 for full coverage.
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Car Insurance for Foreign Drivers in the U.S.
Foreign drivers visiting the U.S. need to follow state laws when behind the wheel, including carrying insurance.
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Can You Get Car Insurance Without a License?
You have several ways to get car insurance without a license, including parked-car insurance and excluding yourself as a driver on the policy.
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Car Insurance Requirements in Montana
Montana drivers must carry $25,000 in bodily injury liability per person and $50,000 per accident, as well as $20,000 in property damage liability.
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Cheap SR-22 Insurance in Alabama From $52
The average monthly rate for SR-22 insurance in Alabama is $117, but you may find more affordable rates by comparing quotes.
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Average Car Insurance Cost in Montana
Drivers in Montana pay an average of $100 per month for car insurance.
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Average Car Insurance Cost in New Mexico
Drivers in New Mexico pay an average of $102 per month for car insurance.
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Cheap Car Insurance Quotes in Killeen (April 2026)
State Farm offers the cheapest car insurance in Killeen, with an average liability-only price of $49 per month. Heavy traffic along U.S. 190 and near Fort Hood also influences costs in the area.
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Temporary Car Insurance in Nevada: What Your Short-Term Options Really Are
True temporary car insurance isn’t available in Nevada, but Insurify Car lets Nevada drivers pay for liability coverage one week at a time.
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Cost of Owning a Great Dane : Purchase, Vet Bills, and More
Great Danes typically cost up to $3,000 from a reputable breeder, and don’t forget about ongoing expenses like food, veterinary care, and insurance.
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How Much Is Homeowners Insurance on a $200,000 House?
The cost to rebuild your home after a major claim is only one factor affecting the cost of insuring your house.
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5 Best Winston-Salem Homeowners Insurance Companies
State Farm and USAA offer some of the best homeowners insurance policies in Winston-Salem, North Carolina.
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5 Best Columbus Homeowners Insurance Companies
Buckeye Insurance Group, State Farm, and USAA offer some of the best homeowners insurance policies in Columbus.
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Cheapest Full-Coverage Car Insurance in Florida
Florida drivers can find the cheapest full-coverage car insurance from State Farm, with rates starting at $129 per month.
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How Much Dwelling Coverage Do You Need?
The amount of dwelling coverage you need depends on rebuilding costs — not your home’s market value.
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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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Virginia Flood Insurance: Complete Guide for Homeowners in 2026
Flood insurance is essential for Virginia homeowners who want to protect their homes and property from flood damage.
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Best Homeowners Insurance Companies in Ohio
State Farm, Travelers, and Farmers are great insurers for Ohio homeowners looking for a balance of affordability, customization, and reliable coverage.
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What Is Windstorm Insurance, and Who Needs It?
Windstorm insurance protects your home and property from damage caused by high winds, including hurricanes and tornadoes.
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Best New Hampshire Homeowners Insurance Quotes
USAA offers the cheapest rates for homeowners insurance in New Hampshire, with a monthly rate of $86.
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Cheapest Liability Car Insurance in Florida
Florida drivers can find the cheapest liability-only car insurance from Progressive, with rates starting at $75 per month.
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Car Insurance Discounts for Georgia Drivers
Car insurance discounts in Georgia help lower premiums. Depending on the insurer, discounts may be available for safe drivers, students, buyers bundling home and auto, and others.
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Best Homeowners Insurance Companies in Wisconsin
American Family, State Farm, and Nationwide stand out as top home insurance options for Wisconsin homeowners.
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Best Homeowners Insurance Companies in North Carolina
State Farm, Nationwide, and USAA are among the top picks for home insurance in North Carolina, thanks to their affordability, coverage, and dependable claims service.
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Best Homeowners Insurance Companies in Vermont
Travelers, State Farm, and USAA offer reliable homeowners insurance in Vermont that balance affordability, comprehensive coverage, and dependable claims service.
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Cheapest Liability Car Insurance in Indiana
Indiana drivers can find the cheapest liability-only car insurance from Auto-Owners, with rates at $34 per month.
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Cheap Full-Coverage Car Insurance in Colorado
Colorado drivers can find the cheapest full-coverage car insurance from State Farm, with average rates of $121 per month.
Cheap Full-Coverage Car Insurance in Indiana
Indiana drivers can find the cheapest full-coverage car insurance from Progressive, with rates of $62 per month.
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Best Renters Insurance in Pennsylvania
At $12 per month, renters insurance is easy to find and relatively affordable in Pennsylvania.
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Best Renters Insurance in Dallas
Find the best renters insurance in Dallas by comparing coverages and costs so you can protect your belongings and finances.
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What Does Home Insurance Cover?
Home insurance covers your home, belongings, liability, and living expenses after covered losses — but it doesn’t cover every type of damage.
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Recoverable Depreciation: What It Means for Your Home Insurance Claim
Recoverable depreciation is the portion of your insurance payout that your insurer withholds until you repair or replace damaged property.
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Best Companies for a Home and Auto Insurance Bundle in 2026
State Farm, Allstate, and Nationwide are the best insurers for home and auto insurance bundling.
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How to Avoid Tow Truck Scams
Don’t let a tow scam catch you off guard. Learn about common tow truck scams and how to protect yourself and your vehicle.
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Best Free VIN Checkers
You can access vehicle history information — including past damage and vehicle manufacturing details — for free with services from Bumper, CARFAX, government agencies, and more.
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Liberty Mutual Renters Insurance Review: Cost, Coverage, and More
Liberty Mutual offers reliable coverage at competitive rates but has fewer discounts than some other insurance companies.
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Flood Insurance: What It Covers and Costs
Flood insurance costs $786 per year, on average, and can provide coverage for flood-related damages that traditional home insurance doesn’t cover.
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How Much Does a Home Warranty Cost?
On average, home warranties cost between $30 and $100 per month, plus a service fee per visit. The total cost depends on your home’s features, the plan you choose, and the coverage level.
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Best Home Warranty Companies in Utah
Our top picks include American Home Shield for HVAC coverage, Liberty Home Guard for value, and Cinch Home Services for the longest guarantee.
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Do You Have to Add a Teenager to Your Car Insurance in Texas?
In Texas, licensed teen drivers must be insured, so you can either add them to your policy or buy a separate policy.
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Guide to Commercial Car Insurance in Ohio
Here are the essentials of commercial car insurance in Ohio, including state requirements, average costs, coverage options, and tips for finding the right policy.
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How to Get Business Insurance: A Step-by-Step Guide
Learn what business insurance is, how much it costs, and where to get the protection your business needs.
Home Warranty vs. Home Insurance: Key Differences
Home warranties protect your home’s appliances and systems. Home insurance covers your home’s structure, personal belongings, and liability risk.
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Honda Clarity Car Insurance Quotes
The Honda Clarity costs slightly less to insure than similarly sized cars. Understanding your coverage options can help you manage your premiums.
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Best Norfolk Homeowners Insurance Quotes
Narragansett Bay, Chubb, and State Farm offer the best homeowners insurance policies in Norfolk, Virginia.
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Lexus IS 350 F Sport Car Insurance Quotes
The average cost to insure a Lexus IS 350 F Sport is $175 per month.
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Toyota 86 Car Insurance Quotes
On average, the Toyota 86 costs $204 per month to insure. But rates increase to $240 if you choose a newer GR86.
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Best Cape Cod Homeowners Insurance Quotes
AIG, Chubb, and Travelers offer some of the best homeowners insurance companies for Cape Cod homeowners.
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Best Long Island Homeowners Insurance Quotes
Chubb, Travelers, and New York Central Mutual offer some of the best homeowners insurance policies in Long Island.
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Actual Cash Value vs. Replacement Cost in Home Insurance
Replacement cost offers full coverage for repairs or replacements, while actual cash value offers lower premiums but factors in depreciation.
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Condo Earthquake Insurance: What to Know in 2026
States don’t require earthquake insurance, but it’s a good idea to buy it anyway — especially if you live in an area prone to seismic activity.
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Does a Vehicle Have to Be in Your Name to Insure It in Texas?
You generally can’t get insurance for a car you don’t own, but you have other options if you regularly drive someone else’s car.
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Best Scottsdale Homeowners Insurance Quotes
Armed Forces Insurance Exchange offers some of Scottsdale’s cheapest homeowners insurance policies, with average annual premiums of $925.
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How to Save on Home Insurance With a Security System
Most home insurance companies offer discounts for having a security system. Homeowners who install them can save up to 20%, but discounts vary by insurer.
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Does Medicare Cover Cataract Surgery?
Medicare covers cataract surgery when necessary, but you may still have some out-of-pocket costs.
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How Much Is Medicare Part C?
The cost of Medicare Part C varies based on your plan type, coverages, and location. Learn about the costs and how to maximize your benefits.
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What Is a Medicare Advantage Health Insurance Plan?
A Medicare Advantage plan combines Medicare Parts A and B with prescription drug coverage and additional benefits.
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How to Switch Your Car Insurance in 6 Steps
Switching car insurance companies might be a good idea if you can lower your rates significantly or get better coverage for your dollar.
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Home Insurance and Dog Breed Restrictions: What to Know
Some insurance companies exclude certain dog breeds from coverage due to their history of aggressive behavior toward humans and other animals.
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Best Cities to Be a Single Homeowner
Pittsburgh, Missoula, Minneapolis, Rapid City, and Portland top our list as the best cities for single homeowners in 2023.
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