Money & Finance

• Notice No. 0134/10/26

  Insuring a Ring Ten Years On, and Why the Old Appraisal No Longer Covers It

  Scheduling jewelry today asks for more documentation than it did a decade ago, and the appraisal in your folder has a shelf life the policy is quietly counting down.

  Money & Finance
• Notice No. 0142/13/26

  Insured to Eighty Percent? How the Coinsurance Clause Reprices a Partial Loss

  The dwelling limit on your declarations page is a valuation, not a formality, and on a partial loss a coinsurance clause turns that number into a multiplier against your check.

  Money & Finance
• Notice No. 0151/29/26

  Thinking of Filing a Small Claim? What Changed in Ten Years, and How to Decide

  A decade ago a phone call to your insurer was informal. Now the file, the pricing model and the renewal all move together, and the math is worth running first.

  Money & Finance
• Notice No. 01612/18/25

  Every Exclusion Was Once a Paid Claim. What That History Tells You to Photograph

  Exclusions read like arbitrary fine print until you know they were written backward from losses insurers already paid, which is also what makes them a checklist for your own records.

  Money & Finance