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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

How to Ensure You Have Proper Home Insurance Coverage

By Corazon Gritar

proper home insurance coverage

Home insurance is an essential aspect of financial planning that often gets overlooked. Many homeowners may underestimate the value of protecting their investment with adequate insurance. By factoring home insurance into your budget, you shield ...

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2 Comments February 19, 2026

What to Consider When Choosing an Auto Insurance Plan

By Corazon Gritar

Selecting the right auto insurance plan is a pivotal step in ensuring both financial security and peace of mind. As the roadways become busier and automotive technology advances, drivers now have more to consider than ever before. By taking the time ...

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Leave a Comment February 16, 2026

How to Find and Evaluate the Best Home Warranty Insurance Providers

By Sabado Domingo

Every home is subject to wear and tear over its lifetime; both due to the normal process of aging and as a result of other risks such as fires, bad weather or earthquakes among others. Of course, home repair costs can be expensive. Even worse, ...

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5 Comments January 28, 2026

The 50 Biggest Money Mistakes Household CEOs Make

By Len Penzo

I'm not ashamed to admit I make mistakes. After all, everybody screws up occasionally; for us humans, mistakes come with the territory. For example, I remember the time I decided it would be great fun to play Wii golf for eight consecutive hours. ...

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January 19, 2026

Insurance Systems Supported by Rules Engine Technology

By Enero Febrero

Traditional systems based on hard-coded logic cannot keep pace with these demands. Modern rules engine technology transforms how insurers configure products, calculate premiums and manage compliance. In the insurance industry, speed, transparency, ...

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September 2, 2025

The Difference Between Whole and Term Life Insurance

By Sabado Domingo

Smart financial planning involves taking the time to make sure that the family's assets are maximized to their fullest extent and protected. One of the ways that you can make sure to protect your family in the event of an emergency is by purchasing a ...

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May 21, 2025

Finding Affordable Car Insurance: What It Took to Get a Quote 25 Years Ago

By Tex Freitag

Auto insurance can be expensive. Of course, everyone wants affordable car insurance. But if you don't take the time to find a better deal on your car insurance premiums, you're likely to pay even more than you're currently paying. Car insurance ...

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April 30, 2025

3 Things That People Overpay For

By Sabado Domingo

No matter how thrifty you think you are, the truth is, most people are constantly spending money; it's just part of being an adult. And if you have any level of property or responsibility at all, you have operating costs and overhead, just like a ...

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April 16, 2025

A Life Insurance Primer for Newbies

By Neal Frankle

Life insurance is boring. Who wants to curl up at night and read the fine print of a life insurance policy? Nobody normal that's for sure. Still, if other people rely on you financially, there's no topic more important. This is true for healthy ...

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March 31, 2025

What Is GAP Insurance for Cars and When Should You Buy It?

By Len Penzo

Many years ago, I worked with an old engineer who always wore a belt and suspenders. Always. One day I pointed out that fashion snobs consider a belt and suspenders to be a serious sartorial faux pas. He was unimpressed. "I know," he said, "But ...

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February 3, 2025

Is Earthquake Insurance Worth It?

By Len Penzo

When it comes to living in Southern California, earthquakes are a part of life. But don't be fooled: Earthquakes can happen anywhere. With that in mind, many people often ask me: Is earthquake insurance worth it? Thankfully, after 35 years of ...

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November 25, 2024

3 Car Insurance Myths That Don’t Help You Save Money

By Sabado Domingo

The Internet is a wonderful resource and platform for spreading misinformation at the same time. When it comes to auto insurance, for every great resource or article, there is also a website that posts incorrect and misleading information about ...

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October 30, 2024

4 Ways to Save Money on Commercial Vehicle Insurance Premiums

By Sabado Domingo

Expense management is a key part of running any business, and commercial vehicle insurance can be an area where costs grow quickly. On average, businesses spend between $150 and $175 on commercial vehicle insurance. So whether you operate a small ...

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June 19, 2024

6 Questions Insurers Ask Before Giving a Car Insurance Quote

By Enero Febrero

Car insurance is an integral, yet expensive part of everyday life. The world is a very unpredictable place, and you should always make sure you have a backup plan for unforeseen times. When getting a quote, there are certain documents you must have. ...

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June 12, 2024

Documenting Injuries and Losses: A Crucial Part of Bicycle Accident Claims

By Sabado Domingo

We all know the joy of cruising down a scenic path on a bike. Unfortunately, bicycle accidents are more common than we'd like. Over 130,000 people in the United States are treated for bicycle-related injuries annually. Injuries and losses sustained ...

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May 24, 2024

7 Reasons Why an Insurance Adjuster Might Reject a Compensation Claim

By Tex Freitag

Getting fair compensation from the insurance company is the end goal for any individual or organization filing a claim. However, insurance companies are in business to make a profit. For this reason, they'll try reject a compensation claim if they ...

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May 24, 2024

Justice Through Representation: The Impact Lawyers Have on Car Accident Claims

By Sabado Domingo

Thousands of car accident victims file claims annually, and their success depends on their legal representation. True to that, the average pay for a car accident claim is an impressive $25,000, while minor crashes or personal injury cases range ...

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May 24, 2024

Navigating Insurance Claims After a Motorcycle Accident: Dos and Don’ts

By Len Penzo

In 2022, California witnessed 10,597 motorcycle accidents, resulting in numerous claims for damages and compensation. Dealing with insurance claims after such incidents, especially in places like Bakersfield, can be complex and frustrating, given the ...

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May 22, 2024

How to File an Insurance Claim After a Home Fire

By Corazon Gritar

Here's a frightening fact: a house fire breaks out in the US every 86 seconds. If you've ever experienced this kind of terrible and tragic event, then you know how overwhelming the aftermath can be. Homeowners whose property has been destroyed or ...

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April 9, 2024

4 Good Reasons to Own Business Insurance

By Enero Febrero

There are many good reasons to own business insurance. For example, if you want your business to be successful, it's important that you have adequate insurance. Even if you're a small business that's just starting out, you still need it. And while ...

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March 27, 2024

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