How Clear is Your Insurance Policy? Answers to your Tough Questions

I recently partnered with Clearsurance to help bring transparency to a traditionally secretive industry. Opinions are my own.

Insurance is a must when you're a grown up. I know, because a good chunk of my monthly budget goes to insuring cars, my home, and farm! We have learned a lot about the process of signing up for insurance over the years, as well as about how your needs will change as time goes on.

The insurance I needed when I had one kid and an apartment is not the same insurance I need now with 6 kids and a farm. Sometimes, we aren't even sure that our insurance isn't quite what we need until we actually need it.

For example, this past year, we had a fire. It was terrible. An old pickup caught fire in my husband's shop, totaling the truck and ruining a lot of his workshop, tools, and household stuff. By the time the fire department had left after spraying everything down with water and form, it was a horrible experience that left us with medical bills, lots of lost possessions, and time away from our work and family events.

Had I been a bit more informed, I would have known that home insurance policies that most of us get doesn't cover damage from a vehicle. That's what vehicle insurance is for. But who would have thought we needed to cover a vehicle that wasn't' even running (it was a project)? I really wished I had understood just what was covered and how the claims process would have been like before we purchased. Would I have changed companies? I don't know. But being better informed would not have been a bad idea.

That's why I'm pleased to see a company like Cleasurance working to make the processing of selecting and understanding insurance simple. The folks there have made it their mission to spare others from insurance uncertainty. Cleasurance is the world's first company to level the playing field between big insurance and consumers.

Powered by 10,000+ customer reviews and industry-leading financial ratings, Clearsurance is the first ever 'Yelp' for auto, home, and renter's insurance. It was easy to sign up and post my review of my insurance company on the Clearsurance website. All I had to do was go to and fill out a short form—completely for free.  You get up-front reviews from real people who have used the policies and know what they love and don't love about them. This crowdsourced platform is completely driven by customers. No sales pitches here!

Check out the video below for how it works:

Whether you are buying for the first time, are looking to switch, or are curious as to whether your insurance company has your back, Clearsurance is a free option for answers to your questions. Be sure to check it out and leave reviews for your own insurer on the site -- it's free!

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