Ruthe Hall is a writer who covers all things insurance. She joined Team Clark in 2022 with more than a decade of experience writing professionally and working in healthcare. Helping others navigate the world of health insurance sparked her interest in mastering the other players in the insurance industry overall. She lives in the metro Atlanta area and when she's not writing about insurance, she's probably reading, dancing or writing about other things. You can reach Ruthe at
[email protected].
Clark Howard’s #1 Rule Before You File an Auto Insurance Claim
Car Insurance
October 20th, 2023
Not sure whether you should file an auto insurance claim? Money expert Clark Howard has a few things to consider…
Is Gap Insurance Worth It?
Insurance
October 17th, 2023
Buying a car can be exciting, but also overwhelming. In addition to all the required paperwork, you’ll likely be presented…
The Real Reason Why Your Insurer May Not Renew Your Policy
Insurance
October 16th, 2023
Every insurance policy has a term, or agreed length of time that your insurer protects your property. I’ve written about…
What Is Homeowners Insurance?
Homeowners Insurance
October 2nd, 2023
If you’re a homeowner, there’s a good chance your home is the most expensive purchase you’ve ever made. Having homeowners…
Actual Cash Value vs. Replacement Cost Value Coverage
Insurance
October 2nd, 2023
When it comes to repairing or replacing your property, homeowners insurance policies can include actual cash value coverage or replacement…
How Much Homeowners Insurance Do I Need?
Homeowners Insurance
October 2nd, 2023
As the cost of almost everything continues to rise these days, so does the risk of your home being underinsured.…
What Does Homeowners Insurance Cover?
Insurance
October 2nd, 2023
Having homeowners insurance is an important way to protect your home and belongings. But your protection only extends to damages…
How To Determine an Independent Value for Your Vehicle After an Accident
Car Insurance
October 2nd, 2023
After a car accident (or if your car gets stolen), one of the first steps your insurer will take to…
How Much Can You Save by Changing Your Deductible?
Homeowners Insurance
September 28th, 2023
According to ValuePenguin, homeowners insurance rates have increased steadily “by a cumulative 19.1%” between 2018 and 2023. While it seems…
Why You Need To Re-Shop Your Car Insurance Right Now
Car Insurance
September 20th, 2023
There’s a good chance your car insurance has gone up recently. If it has, you’re not alone. The average cost…
How Much Car Insurance Do I Need?
Car Insurance
September 5th, 2023
When it comes to how much car insurance you need, there isn’t a one-size-fits-all answer. Where you live will determine…
How to Dispute Your C.L.U.E. Report
Insurance
August 23rd, 2023
A C.L.U.E. report shows claims you’ve filed for your property and vehicles for up to seven years back. Insurance companies…
How to Shop for Lower Car Insurance
Car Insurance
August 9th, 2023
One way to be sure you’re getting the best rates on auto insurance is to re-shop for coverage regularly. Money…
6 Things to Know Before You Buy Flood Insurance
Insurance
August 1st, 2023
Between 1996 and 2019, 99% of counties in the U.S. were affected by a flooding event. But according to a…
Why Is Homeowners Insurance So Expensive in Florida?
Insurance
July 31st, 2023
Depending on which news story you read, the homeowners insurance situation in Florida right now is either “in a state…
How To Switch Car Insurance and Cancel Your Old Policy
Car Insurance
July 21st, 2023
If you have car insurance, there will almost certainly come a time when you have to cancel your policy. Maybe…
What Is Service Line Insurance and Do I Need It?
Homeowners Insurance
July 19th, 2023
If you’re a homeowner, there’s a chance you’ve gotten letters from at least one utility company offering insurance for your…
6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster
Insurance
July 11th, 2023
It’s no secret that the advice here at Team Clark is to only file insurance claims in catastrophic situations, or…
What Is a C.L.U.E Report and Its Impact on Your Insurance
Insurance
July 5th, 2023
We’re all familiar with the idea and impact of a credit report, but did you know there’s a similar report…
How To Get Car Insurance
Car Insurance
July 5th, 2023
Car insurance can be overwhelming. Requirements vary from state to state and a single policy can contain many different types…
When Should You File a Claim on Your Homeowners Insurance?
Insurance
June 21st, 2023
A homeowners insurance policy offers protection against many unexpected events that cause damages or loss to your property. But when…
Insuring a Home-Based Business: What You Need To Know
Insurance
May 19th, 2023
It’s estimated that around 19 million businesses in the U.S. are home-based. Whether you’re a writer, accountant, engineer, entrepreneur or…
How Much Is Homeowners Insurance?
Insurance
May 8th, 2023
The cost of homeowners insurance has steadily increased over the last several years. While there are many factors that impact…
These Are the Most and Least Expensive States for Home Insurance
Insurance
May 8th, 2023
According to the Insurance Information Institute (III), the cost of homeowners insurance has “risen significantly since the pandemic.” Rates increased…
What Is Mortgage Protection Insurance and Do You Need It?
Insurance
April 25th, 2023
When you buy mortgage protection insurance, you’re paying for the promise that your mortgage will be paid off if you…
Home Title Lock: Is It the Same As Home Title Insurance?
Homes & Real Estate
April 18th, 2023
There’s no shortage of companies offering insurance or other services to protect your home from unexpected events. With all the…
5 Reasons Why Your Home Insurance Will Cancel You as a Customer
Insurance
March 27th, 2023
Here at Team Clark, we always recommend shopping around to get the best homeowners insurance for your needs. But did…
Why You Should Update Your Homeowners Coverage Limits Every 3 Years
Insurance
March 23rd, 2023
It’s no secret that money expert Clark Howard recommends only using your homeowners insurance for catastrophic events. But that doesn’t…