The Coverage Mentor

Your one-stop shop for all things insurance – without the jargon.

💾 Liability vs. Full Coverage – What’s the Difference?

Liability Only
Covers the other person if you mess up. That’s it.
You hit someone = Their stuff is covered.
Your car? On your own. 🤷🏾‍♀️

Comprehensive + Collision Coverage (a.k.a. what lenders require)
Also known as “full coverage” (even though that’s not really a thing). If your car is leased or financed, the bank or dealership is gonna require this combo:

Collision (accidents)
Comprehensive (theft, weather, fire, etc.)

🏠 Why You Need Renters Insurance

It’s not just for your clothes and couch. Renters insurance covers:

Your stuff (in and out the house)
Hotel stays if your place is unlivable
Liability if someone gets hurt in your spot

💡 Starts around $15/month. That’s less than your DoorDash order.

💍 Jewelry Insurance: Protect That Drip

If your jewelry isn’t listed separately (aka scheduled), your regular renters or homeowners policy probably won’t cover the full value.

Covers loss, theft, damage, even mysterious disappearance
Pays full replacement value
Doesn’t raise your home/renters premium

💎 Keep shining without worrying.

☂️ Umbrella Insurance: The Boss-Level Policy

Umbrella insurance kicks in after your standard coverage runs out. Perfect for:

Car accidents with major damage
Lawsuits
Injuries at your rental property

If you got assets, a side hustle, or kids — this is your grown-folks backup plan.

🔥 Top 3 Insurance Mistakes (and How to Dodge ‘Em)

Thinking the cheapest policy is the best one
→ Cheap coverage = expensive problems later
Not updating your policy after life changes
→ New car? New boo? New zip code? Tell your agent.
Skipping the fine print
→ That “not covered” list? You wanna know what’s on it before something pops off.