Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc. (Credible), which is majority-owned indirectly by Fox Corporation. The Fox Money content is created and ...

Forbes contributors publish independent expert analyses and insights. I write about investing, insurance, and financial intermediaries. Dec 18, 2023, 06:43am EST This article is more than 2 years old.

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

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