The answers to your toughest insurance questions are simpler than you think! Whether you're researching auto, home, renters, life, health or business policies, IQ's Insurance Library is here to help you:

  • Assess your coverage needs and options
  • Lower your current premiums and deductibles
  • Understand the preventative measures you can take in conjunction with insurance
  • Get the most out of claims and minimize how they affect your rates

Choose from the policy categories below to get started. From there, you can browse this week's posts for fresh advice from our insurance experts or search our A-Z blog archives by topic for information on customizing, optimizing or choosing a policy that finally puts your needs above your insurer's.

Auto

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    Is Credit Used In Insurance Underwriting?

    As of April of 2010, 77 million Americans – that’s 25% – found themselves staring more frequently at past due bills and answering the phone to hear bill collectors on the other end. (There’ …

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    Why Men Pay More for Auto Insurance Than Women

    By now, you should be familiar with the idea that “men are from Mars and women are from Venus.” If you haven’t heard of the best-selling book or at least the concept, you must fondly …

  • SM ins

    Your Social Media Could Affect Your Insurance Rates

    Sharing is caring. Right? That depends given the world we live in. It’s cute when Lady and the Tramp share spaghetti. And when a five year old opens up a box of crayons and says you can use any color …

Home

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    Fracking: Friend or Foe For Homeowners?

    In an attempt to help the country become less oil dependent on other countries, an increasing number of homeowners are finding out that they can’t always depend on their homeowners insurance when …

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    How Pests Affect Homeowners Insurance Policies

    We’ve all heard the occasional bump and scuttle in the night, but what happens when that noise doesn’t stop and only multiplies? As gross as it might sound, infestations are more common than you may …

Renters

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    6 Differences Between Home and Renters Insurance

    Maybe you’re a renter and just purchased your first home. Maybe you’re a homeowner and you’re downsizing to an apartment or renting. In either scenario, the process of finding a new home can be …

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    Insurance Requirements for Landlords

    Regardless of what you’ve seen on HGTV, becoming a landlord isn’t always a pleasant situation. Being a landlord can be a lucrative side gig, but with it comes added responsibility — and risks standard …

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    5 Things Renters Insurance May Not Cover

    A new year is around the corner, causing many to throw darts at a map to make a move. Simultaneously, holidays are about to increase the amount of belongings people have — hopefully in the form of jewelry …

Life

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    The Truth About Suicide & Life Insurance

    It doesn’t matter how old you are, what your financial situation is, or the status of your health. Suicide and its contributing factors can affect anyone, and for those left behind, it’s something …

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    Picking a Permanent Life Insurance Policy

    The information and lingo about life insurance in general — particularly permanent life insurance products — can make it seem as though there should be a Rosetta Stone for it. If your eyes glaze over …

Health

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Business

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    Why Your Business Needs Cyber Liability Insurance

    It’s hard to imagine a time before Facebook, smart phones, and the internet, much less one consisting solely of cash and check books. Today, we laugh at parodied images of business accountants stuck …

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    5 Perks for Businesses That Offer Wellness Programs

    Right before New Year’s Eve, many people make resolutions to lose weight and eat healthier. Now summer is here, and many fell off the resolution wagon, now in a desperate attempt to make up for the …

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    Insurance Babysitters and Childcare Providers Need

    When most parents are looking for daycare, they usually come with a list of questions for the childcare providers to ensure their child is going to be well looked after. Questions ranging from how often …