Stacker-Financial Protection

Roughly 15% of U.S. drivers — approximately one in seven — were operating vehicles without valid auto insurance as of 2025, according to a study by the Insurance Research Council (IRC). This figure reflects a steady rise from pre-pandemic levels in 2020, a trend researchers have linked primarily to escalating premium costs that have strained household budgets across income

Your credit score is an important metric that lenders and credit cards use to determine if you qualify for financing. While that score isn’t important to your car insurance company, they likely use the same underlying credit data to calculate another number that can significantly impact what you pay for coverage: your credit-based insurance score.

Your kid isn’t a kid anymore. Maybe he’s off to college, or she’s boomeranged back home following graduation. Wherever they now live, be aware that your existing homeowners and car insurance policies may not cover your grown child the same way they’ve done in the past. Welcome to the somewhat muddled middle years, when your offspring is

Football season is in full swing, and many people are gathering at homes around the country to watch their favorite teams. If a guest gets hurt or something in your house gets damaged during your game day party, your homeowners insurance usually pays for it. This guide from Insure.com explains what homeowners insurance generally covers, so

Ahead of Cybersecurity Awareness Month this October, there’s no better time to focus on your risk of falling victim to a scam. In 2025, the Federal Trade Commission logged a record $15.9 billion in fraud losses from 3 million fraud reports. When thinking about a scam, you might picture an older adult getting tricked out of

If you’ve been labeled a high-risk driver due to tickets, accidents, or a gap in coverage, finding affordable insurance might seem daunting, but you have options. While your rates will likely be higher, insurance companies often provide competitive pricing for certain infractions. If standard carriers aren’t a fit, non-standard insurers specialize in helping drivers with

Learning how to manage your money is a little like learning how to cook a new dish. You might be a little intimidated by the ingredients or the fancy instructions using French words you’ve never heard of. But you enjoy the end result, and the next time you make the dish, it’s even easier. The

Jewelry insurance covers more than most people expect and excludes less than you might think. The basics: Dedicated jewelry insurance typically covers loss, theft, damage, and disappearance, including during worldwide travel. The fine print: A handful of specific situations aren’t covered, but most are uncommon. The documentation: An appraisal and photos are helpful to have,

Jewelry is one of the most underinsured categories of personal property, not because people don’t care, but because they genuinely don’t know what their existing policy covers. Your homeowners or renters policy likely covers less jewelry than you think. The gap: Most standard policies cap jewelry theft coverage between $1,000 and $1,500 for all jewelry

Are you guilty of “sharenting” — oversharing details about your child’s life on social media, like a birthday, pet’s name, school name, or photos of where they live or spend time? It may seem harmless, but those details and proud moments can help cybercriminals answer security questions, build a profile, or piece together a child’s

Fifty-one percent of the population of the U.S. has some kind of life insurance coverage in place, and the industry assets cover the equivalent of 41% of the country’s collective yearly personal income, according to the Federal Reserve Bank of St. Louis. Meanwhile, ACLI data shows that the annual voluntary surrender rate for individual policyholders

Insurance protects household finances against worst-case scenarios. It’s a backstop. Yet people shopping for quotes focus only on price. This approach has a major flaw. The policies families choose often don’t deliver the protection they actually need. The coverage gap only becomes apparent when a claim arrives. How do you close it? Consumers need to

  Entrepreneurs are using AI tools for insurance research at rates comparable to insurance agents and peer networks, according to a new ERGO NEXT survey of small business owners. Of those who have used AI, most trust the information they receive, signaling that entrepreneurs are becoming more comfortable using digital tools to navigate complex business

  Most risk reports are technically correct with the standard risks, controls, and metrics—and yet, they bring little actionable value. The main problem is that the reporting style is monotonous. A single report is expected to serve all stakeholders, including operators, executives, and auditors, each with distinct data needs. A risk report that tries to

  Luxury watches cost tens of thousands of dollars, so they’re an investment that you want to protect. Jewelry insurance — particularly specialized coverage for luxury watches — can help you repair or replace your valuables if they are lost, stolen, or damaged. How Watch Insurance Works The first step in protecting your luxury watches

  Engaged in some gig work in the garage, merch-making from the basement, or another home-based enterprise? If you’ve recently started a side hustle, you’re not alone: Nearly 1 in 3 Americans have done so to supplement their earnings. And around 19 million U.S. businesses operate out of the owners’ homes. That’s little surprise, considering

  Being an adult comes with a never-ending list of responsibilities: Cook dinner. Scrub the bathroom. File taxes. The tasks grow even longer when sharing a household with a partner, building a family, or taking care of others. No matter how you define “adulting,” getting life insurance tends to be one part of the to-do

  A jewelry appraisal usually costs about $75-$100, though traditional appraisal fees can range from $50 to $200. This depends on the appraiser, the item’s complexity, and the location. Appraisers may charge a flat fee per piece or an hourly rate; complex rings, antique jewelry, designer pieces, estate items, or multi-stone designs are often more

  The Atlantic hurricane season runs from June 1 through Nov. 30 each year. For millions of Americans living in coastal and inland communities across the Gulf Coast, the Southeast, and the Atlantic Seaboard, that period is associated with documented and measurable risks. In this report, Mokaram Injury Lawyers, a Houston-based personal injury law firm,