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yoloforever C3: expand nodailyworries 3->6 guides (renters/health/umbrella, ~500w each original) + About/Contact trust pages + nav/footer links — content depth + trust layer for AdSense

2fc601b2ff81dc221701414c05f0daf2006385f5 · 2026-08-05 12:27:07 -0700 · Steve

Files touched

• M build.mjs
• A content/health.html
• A content/renters.html
• A content/umbrella.html
• A public/about.html
• A public/contact.html
• M public/guides/auto-insurance.html
• A public/guides/health-insurance.html
• M public/guides/home-insurance.html
• M public/guides/life-insurance.html
• A public/guides/renters-insurance.html
• A public/guides/umbrella-insurance.html
• M public/index.html
• M public/privacy.html

Diff

commit 2fc601b2ff81dc221701414c05f0daf2006385f5
Author: Steve <steve@designerwallcoverings.com>
Date:   Wed Aug 5 12:27:07 2026 -0700

    yoloforever C3: expand nodailyworries 3->6 guides (renters/health/umbrella, ~500w each original) + About/Contact trust pages + nav/footer links — content depth + trust layer for AdSense
---
 build.mjs                             | 62 +++++++++++++++++++++++++-
 content/health.html                   | 28 ++++++++++++
 content/renters.html                  | 21 +++++++++
 content/umbrella.html                 | 27 ++++++++++++
 public/about.html                     | 64 +++++++++++++++++++++++++++
 public/contact.html                   | 58 +++++++++++++++++++++++++
 public/guides/auto-insurance.html     |  4 +-
 public/guides/health-insurance.html   | 82 +++++++++++++++++++++++++++++++++++
 public/guides/home-insurance.html     |  4 +-
 public/guides/life-insurance.html     |  4 +-
 public/guides/renters-insurance.html  | 75 ++++++++++++++++++++++++++++++++
 public/guides/umbrella-insurance.html | 81 ++++++++++++++++++++++++++++++++++
 public/index.html                     | 22 +++++++++-
 public/privacy.html                   |  4 +-
 14 files changed, 530 insertions(+), 6 deletions(-)

diff --git a/build.mjs b/build.mjs
index 030c58b..30870f2 100644
--- a/build.mjs
+++ b/build.mjs
@@ -17,6 +17,12 @@ const GUIDES = [
     blurb: 'The six coverages, replacement cost vs. cash value, the gaps to fill, and how to size it right.' },
   { slug: 'life-insurance', file: 'life', title: 'Life Insurance: How Much You Need and Which Type to Buy',
     blurb: 'Term vs. whole, the DIME method, underwriting, and the mistakes that cost families most.' },
+  { slug: 'renters-insurance', file: 'renters', title: 'Renters Insurance: Small Policy, Big Protection',
+    blurb: 'What it covers beyond theft, replacement cost vs. cash value, how much you need, and why it’s such good value.' },
+  { slug: 'health-insurance', file: 'health', title: 'Health Insurance: The Four Numbers That Decode Any Plan',
+    blurb: 'Premium, deductible, coinsurance, out-of-pocket max — plus HMO vs. PPO and how to match a plan to how you use care.' },
+  { slug: 'umbrella-insurance', file: 'umbrella', title: 'Umbrella Insurance: Cheap Coverage That Protects Everything You Own',
+    blurb: 'How extra liability sits on top of auto and home, who actually needs it, and why $1M costs so little.' },
 ];
 
 const nav = `
@@ -27,6 +33,8 @@ const nav = `
         <a href="/guides/auto-insurance.html">Auto</a>
         <a href="/guides/home-insurance.html">Home</a>
         <a href="/guides/life-insurance.html">Life</a>
+        <a href="/#guides">All guides</a>
+        <a href="/about.html">About</a>
         <a href="/#quote" class="cta">Get quote help</a>
       </nav>
     </div>
@@ -38,7 +46,7 @@ const footer = `
       <p>&copy; ${new Date().getFullYear()} ${BRAND} &middot; ${DOMAIN}</p>
       <p class="fine">Educational information only — not personalized insurance, financial, or legal advice.
         Coverage varies by insurer and state; consult a licensed agent.
-        <a href="/privacy.html">Privacy</a></p>
+        <a href="/about.html">About</a> &middot; <a href="/contact.html">Contact</a> &middot; <a href="/privacy.html">Privacy</a></p>
     </div>
   </footer>`;
 
@@ -199,4 +207,56 @@ writeFileSync('public/privacy.html', page({
   canonical: '/privacy.html', body: privacyBody,
 }));
 
+// ---- About (AdSense trust requirement: who is responsible for the site) ----
+const aboutBody = `
+  <article class="post">
+    <div class="wrap">
+      <h1>About ${BRAND}</h1>
+      <p class="crumb">Plain-English insurance buyer's guides · ${DOMAIN}</p>
+      <p>${BRAND} exists to make insurance understandable. Most people buy coverage they don't fully understand and
+      find out what it does — or doesn't do — only on their worst day. We write clear, practical buyer's guides that
+      explain what each type of insurance actually covers, how to size it, and where to save without leaving yourself exposed.</p>
+      <h2>What we do</h2>
+      <p>We publish original, independent guides on auto, home, renters, life, health, and umbrella insurance — written
+      to be read by a normal person, not an underwriter. Every guide is educational and is dated so you know how current it is.</p>
+      <h2>How we stay independent</h2>
+      <p>Our guides are not a sales pitch for any one insurer. We explain the trade-offs and encourage you to compare
+      quotes and confirm details with a licensed agent for your state. Where a page links to a tool or service, it never
+      changes the advice in the guide.</p>
+      <h2>An important note</h2>
+      <p>${BRAND} provides general educational information, not personalized insurance, financial, or legal advice.
+      Coverage, requirements, and pricing vary by insurer and by state. Always read your policy and consult a licensed
+      professional about your specific situation.</p>
+      <h2>Get in touch</h2>
+      <p>Questions, corrections, or a topic you'd like us to cover? See our <a href="/contact.html">contact page</a>.</p>
+    </div>
+  </article>`;
+writeFileSync('public/about.html', page({
+  title: `About ${BRAND}`, desc: `Who is behind ${BRAND} and why we publish plain-English insurance buyer's guides.`,
+  canonical: '/about.html', body: aboutBody,
+}));
+
+// ---- Contact (AdSense trust requirement: a way to reach the publisher) ----
+const contactBody = `
+  <article class="post">
+    <div class="wrap">
+      <h1>Contact ${BRAND}</h1>
+      <p class="crumb">We read every message · ${DOMAIN}</p>
+      <p>Have a question about a guide, spotted something that's out of date, or want us to cover a topic? We'd like to hear from you.</p>
+      <h2>Email</h2>
+      <p>Reach us at <a href="mailto:info@${DOMAIN}">info@${DOMAIN}</a>. We aim to respond within a few business days.</p>
+      <h2>Corrections</h2>
+      <p>Insurance rules change and we want our guides to stay accurate. If you find an error or something that's no longer
+      current, email us and we'll review and update it, noting the change.</p>
+      <h2>Editorial requests</h2>
+      <p>Want a plain-English guide on a coverage we haven't written about yet? Tell us — reader questions drive what we cover next.</p>
+      <p class="fine">Please note: ${BRAND} publishes educational information and cannot give personalized insurance,
+      financial, or legal advice. For advice about your specific policy or situation, consult a licensed agent.</p>
+    </div>
+  </article>`;
+writeFileSync('public/contact.html', page({
+  title: `Contact ${BRAND}`, desc: `How to reach ${BRAND} — questions, corrections, and topic requests.`,
+  canonical: '/contact.html', body: contactBody,
+}));
+
 console.log('built: index + ' + GUIDES.length + ' guides + privacy');
diff --git a/content/health.html b/content/health.html
new file mode 100644
index 0000000..c82f09b
--- /dev/null
+++ b/content/health.html
@@ -0,0 +1,28 @@
+<p>Health insurance is the most confusing policy most people own — a wall of acronyms standing between you and care you can afford. But the whole system rests on a handful of concepts. Understand these, and you can compare any two plans in minutes and stop overpaying for coverage that doesn't fit how you actually use care.</p>
+
+<h2>The Four Costs That Define Every Plan</h2>
+<p>Every health plan is really a negotiation between four numbers. Learn them and the jargon dissolves:</p>
+<ul>
+  <li><strong>Premium</strong> — what you pay every month just to have the plan, whether you use it or not.</li>
+  <li><strong>Deductible</strong> — what you pay out of pocket for care before the insurer starts paying its share.</li>
+  <li><strong>Copay / Coinsurance</strong> — your share <em>after</em> the deductible: a flat copay (e.g., $30 a visit) or a coinsurance percentage (e.g., you pay 20%).</li>
+  <li><strong>Out-of-pocket maximum</strong> — the most you can pay in a year. Once you hit it, the plan pays 100% of covered care. This is your financial worst-case, and the single most important number for protection.</li>
+</ul>
+<p>The core trade-off: a <strong>low premium usually means a high deductible</strong>, and vice versa. A cheap monthly bill can cost you thousands if you actually get sick.</p>
+
+<h2>Plan Types: HMO, PPO, EPO, POS</h2>
+<p>The letters describe how much freedom you have to choose doctors — and how much you'll pay for it:</p>
+<ul>
+  <li><strong>HMO</strong> — lowest cost, but you stay in-network and usually need referrals from a primary care doctor.</li>
+  <li><strong>PPO</strong> — most flexible: see specialists without referrals and go out-of-network (for more money). Higher premiums.</li>
+  <li><strong>EPO</strong> — a middle ground: no referrals needed, but out-of-network care generally isn't covered.</li>
+  <li><strong>POS</strong> — a hybrid of HMO and PPO with referrals but some out-of-network coverage.</li>
+</ul>
+
+<h2>Matching the Plan to How You Use Care</h2>
+<p>The right plan depends on your expected usage, not the sticker price. If you're generally healthy and rarely see a doctor, a high-deductible plan with a low premium — often paired with a tax-advantaged <strong>HSA</strong> — can be the cheapest overall. If you have a chronic condition, take regular medications, or expect a major expense like a birth or surgery, a higher-premium, lower-deductible plan usually costs less across the year.</p>
+
+<h2>Don't Overlook the Details That Bite</h2>
+<p>Two plans with identical numbers can still differ wildly. Before choosing, check that <strong>your doctors and hospitals are in-network</strong>, that your <strong>prescriptions are on the formulary</strong> (and which tier), and what the plan requires <em>prior authorization</em> for. And know that preventive care — annual checkups, many screenings, vaccines — is generally covered at no cost even before you meet the deductible.</p>
+
+<p class="note">Educational information only — plans, networks, and rules vary by insurer, employer, and state. Confirm details with the plan documents and a licensed advisor.</p>
diff --git a/content/renters.html b/content/renters.html
new file mode 100644
index 0000000..00a58ce
--- /dev/null
+++ b/content/renters.html
@@ -0,0 +1,21 @@
+<p>If you rent your home, your landlord's insurance covers the building — not a single thing inside it that belongs to you. Renters insurance is the inexpensive policy that fills that gap, and it does far more than replace stolen electronics. This guide explains what renters insurance actually covers, how much you need, and why it's one of the best-value policies most people can buy.</p>
+
+<h2>What Renters Insurance Covers</h2>
+<p>A standard renters policy (often called an <strong>HO-4</strong>) bundles three distinct protections:</p>
+<h3>Personal Property</h3>
+<p>Pays to repair or replace your belongings — furniture, clothing, electronics, kitchenware — when they're damaged or destroyed by a covered peril like fire, theft, vandalism, or certain water damage. Crucially, it often covers your property <em>anywhere</em>, so a laptop stolen from your car or a bag taken while traveling can be covered too.</p>
+<h3>Liability</h3>
+<p>If a guest is injured in your apartment, or you accidentally damage someone else's property, liability coverage pays their medical or repair costs and defends you if you're sued. This is the part renters most often overlook and most often need — a single injury claim can dwarf the value of everything you own.</p>
+<h3>Additional Living Expenses (Loss of Use)</h3>
+<p>If a covered event makes your unit uninhabitable, this pays for a hotel, meals, and other extra costs while you're displaced. For a renter with no fallback, this can be the most valuable coverage in the policy.</p>
+
+<h2>Replacement Cost vs. Actual Cash Value</h2>
+<p>This single choice matters more than the price difference suggests. <strong>Actual cash value</strong> pays what your used item is worth today — a five-year-old TV gets you a fraction of what you paid. <strong>Replacement cost</strong> pays what it costs to buy a new equivalent. Replacement cost coverage is usually only slightly more expensive and is almost always worth it.</p>
+
+<h2>How Much Coverage Do You Need?</h2>
+<p>Estimate your personal property by doing a quick room-by-room inventory — photos on your phone are enough to start. Most renters underestimate; add up electronics, furniture, and clothing and the total climbs fast. For liability, $100,000 is a common floor, but $300,000 costs little more and is a smarter baseline. If you own valuables like jewelry, a bike, or camera gear, ask about a <em>scheduled endorsement</em>, since standard policies cap those categories.</p>
+
+<h2>Why It's Such Good Value</h2>
+<p>Renters insurance is among the cheapest coverage you can buy — often the price of a couple of coffees a month — because it doesn't insure the expensive part (the building). For that small sum you get property protection, liability defense, and a place to stay if disaster strikes. Bundling it with your auto policy usually earns a discount on both.</p>
+
+<p class="note">Educational information only — coverage and requirements vary by insurer and state. Read your policy and ask a licensed agent about your specific situation.</p>
diff --git a/content/umbrella.html b/content/umbrella.html
new file mode 100644
index 0000000..ee17e81
--- /dev/null
+++ b/content/umbrella.html
@@ -0,0 +1,27 @@
+<p>Most people carry liability coverage inside their auto and home policies without ever thinking about the ceiling on it. An umbrella policy raises that ceiling — cheaply — and it's one of the most overlooked pieces of a sound financial plan. This guide explains what umbrella insurance does, who actually needs it, and why it costs so little for so much protection.</p>
+
+<h2>What an Umbrella Policy Actually Does</h2>
+<p>An umbrella policy is <strong>extra liability coverage that sits on top of your existing auto and home (or renters) policies</strong>. When a claim against you exceeds the liability limit on the underlying policy, the umbrella kicks in and pays the rest, up to its own limit — typically starting at $1 million.</p>
+<p>It also tends to be <em>broader</em> than the policies beneath it. Umbrella coverage often includes claims your base policies exclude, such as libel, slander, false arrest, and certain liabilities away from home.</p>
+
+<h2>A Concrete Example</h2>
+<p>Say you cause a serious multi-car accident and you're found liable for $900,000 in injuries, but your auto policy's bodily-injury limit is $300,000. Without an umbrella, you're personally responsible for the remaining $600,000 — your savings, your home equity, even future wages could be at risk. A $1 million umbrella pays that gap, and your exposure drops to your deductible-equivalent underlying limit.</p>
+
+<h2>Who Actually Needs One</h2>
+<p>The rule of thumb: you need enough liability coverage to protect your <strong>net worth and future income</strong>. Consider an umbrella if you:</p>
+<ul>
+  <li>Own a home or have meaningful savings or investments,</li>
+  <li>Have a teenage driver on your auto policy (a major source of large claims),</li>
+  <li>Own a pool, trampoline, or dog — common sources of injury claims,</li>
+  <li>Rent out property, coach, or have a public profile that raises your visibility,</li>
+  <li>Regularly host guests or drive frequently.</li>
+</ul>
+<p>Even people who don't feel "wealthy" can be sued for far more than their base limits — and a judgment can follow you for years.</p>
+
+<h2>Why It's So Inexpensive</h2>
+<p>Umbrella coverage is one of the best values in insurance: a $1 million policy often costs a modest amount per year, because large claims are relatively rare and the underlying policies absorb the first layer of loss. Insurers usually require you to carry certain minimum liability limits on your auto and home policies first, which is why bundling everything with one carrier is common.</p>
+
+<h2>How Much to Buy</h2>
+<p>A common approach is to buy an umbrella limit at least equal to your net worth, and often more, since future earnings can also be targeted in a judgment. Limits typically come in $1 million increments, and stepping up from $1 million to $2 million usually costs far less than the first million did.</p>
+
+<p class="note">Educational information only — availability, requirements, and pricing vary by insurer and state. Discuss your exposure with a licensed agent.</p>
diff --git a/public/about.html b/public/about.html
new file mode 100644
index 0000000..a0d4f3c
--- /dev/null
+++ b/public/about.html
@@ -0,0 +1,64 @@
+<!doctype html>
+<html lang="en">
+<head>
+<meta charset="utf-8">
+<meta name="viewport" content="width=device-width,initial-scale=1">
+<title>About No Daily Worries · No Daily Worries</title>
+<meta name="description" content="Who is behind No Daily Worries and why we publish plain-English insurance buyer's guides.">
+<link rel="canonical" href="https://nodailyworries.com/about.html">
+<meta property="og:title" content="About No Daily Worries">
+<meta property="og:description" content="Who is behind No Daily Worries and why we publish plain-English insurance buyer's guides.">
+<meta property="og:type" content="website">
+<meta property="og:site_name" content="No Daily Worries">
+<link rel="stylesheet" href="/style.css">
+<script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-5278231299883833" crossorigin="anonymous"></script>
+</head>
+<body>
+
+  <header class="site-head">
+    <div class="wrap">
+      <a class="brand" href="/">No Daily <span>Worries</span></a>
+      <nav>
+        <a href="/guides/auto-insurance.html">Auto</a>
+        <a href="/guides/home-insurance.html">Home</a>
+        <a href="/guides/life-insurance.html">Life</a>
+        <a href="/#guides">All guides</a>
+        <a href="/about.html">About</a>
+        <a href="/#quote" class="cta">Get quote help</a>
+      </nav>
+    </div>
+  </header>
+
+  <article class="post">
+    <div class="wrap">
+      <h1>About No Daily Worries</h1>
+      <p class="crumb">Plain-English insurance buyer's guides · nodailyworries.com</p>
+      <p>No Daily Worries exists to make insurance understandable. Most people buy coverage they don't fully understand and
+      find out what it does — or doesn't do — only on their worst day. We write clear, practical buyer's guides that
+      explain what each type of insurance actually covers, how to size it, and where to save without leaving yourself exposed.</p>
+      <h2>What we do</h2>
+      <p>We publish original, independent guides on auto, home, renters, life, health, and umbrella insurance — written
+      to be read by a normal person, not an underwriter. Every guide is educational and is dated so you know how current it is.</p>
+      <h2>How we stay independent</h2>
+      <p>Our guides are not a sales pitch for any one insurer. We explain the trade-offs and encourage you to compare
+      quotes and confirm details with a licensed agent for your state. Where a page links to a tool or service, it never
+      changes the advice in the guide.</p>
+      <h2>An important note</h2>
+      <p>No Daily Worries provides general educational information, not personalized insurance, financial, or legal advice.
+      Coverage, requirements, and pricing vary by insurer and by state. Always read your policy and consult a licensed
+      professional about your specific situation.</p>
+      <h2>Get in touch</h2>
+      <p>Questions, corrections, or a topic you'd like us to cover? See our <a href="/contact.html">contact page</a>.</p>
+    </div>
+  </article>
+
+  <footer class="site-foot">
+    <div class="wrap">
+      <p>&copy; 2026 No Daily Worries &middot; nodailyworries.com</p>
+      <p class="fine">Educational information only — not personalized insurance, financial, or legal advice.
+        Coverage varies by insurer and state; consult a licensed agent.
+        <a href="/about.html">About</a> &middot; <a href="/contact.html">Contact</a> &middot; <a href="/privacy.html">Privacy</a></p>
+    </div>
+  </footer>
+</body>
+</html>
\ No newline at end of file
diff --git a/public/contact.html b/public/contact.html
new file mode 100644
index 0000000..667704c
--- /dev/null
+++ b/public/contact.html
@@ -0,0 +1,58 @@
+<!doctype html>
+<html lang="en">
+<head>
+<meta charset="utf-8">
+<meta name="viewport" content="width=device-width,initial-scale=1">
+<title>Contact No Daily Worries · No Daily Worries</title>
+<meta name="description" content="How to reach No Daily Worries — questions, corrections, and topic requests.">
+<link rel="canonical" href="https://nodailyworries.com/contact.html">
+<meta property="og:title" content="Contact No Daily Worries">
+<meta property="og:description" content="How to reach No Daily Worries — questions, corrections, and topic requests.">
+<meta property="og:type" content="website">
+<meta property="og:site_name" content="No Daily Worries">
+<link rel="stylesheet" href="/style.css">
+<script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-5278231299883833" crossorigin="anonymous"></script>
+</head>
+<body>
+
+  <header class="site-head">
+    <div class="wrap">
+      <a class="brand" href="/">No Daily <span>Worries</span></a>
+      <nav>
+        <a href="/guides/auto-insurance.html">Auto</a>
+        <a href="/guides/home-insurance.html">Home</a>
+        <a href="/guides/life-insurance.html">Life</a>
+        <a href="/#guides">All guides</a>
+        <a href="/about.html">About</a>
+        <a href="/#quote" class="cta">Get quote help</a>
+      </nav>
+    </div>
+  </header>
+
+  <article class="post">
+    <div class="wrap">
+      <h1>Contact No Daily Worries</h1>
+      <p class="crumb">We read every message · nodailyworries.com</p>
+      <p>Have a question about a guide, spotted something that's out of date, or want us to cover a topic? We'd like to hear from you.</p>
+      <h2>Email</h2>
+      <p>Reach us at <a href="mailto:info@nodailyworries.com">info@nodailyworries.com</a>. We aim to respond within a few business days.</p>
+      <h2>Corrections</h2>
+      <p>Insurance rules change and we want our guides to stay accurate. If you find an error or something that's no longer
+      current, email us and we'll review and update it, noting the change.</p>
+      <h2>Editorial requests</h2>
+      <p>Want a plain-English guide on a coverage we haven't written about yet? Tell us — reader questions drive what we cover next.</p>
+      <p class="fine">Please note: No Daily Worries publishes educational information and cannot give personalized insurance,
+      financial, or legal advice. For advice about your specific policy or situation, consult a licensed agent.</p>
+    </div>
+  </article>
+
+  <footer class="site-foot">
+    <div class="wrap">
+      <p>&copy; 2026 No Daily Worries &middot; nodailyworries.com</p>
+      <p class="fine">Educational information only — not personalized insurance, financial, or legal advice.
+        Coverage varies by insurer and state; consult a licensed agent.
+        <a href="/about.html">About</a> &middot; <a href="/contact.html">Contact</a> &middot; <a href="/privacy.html">Privacy</a></p>
+    </div>
+  </footer>
+</body>
+</html>
\ No newline at end of file
diff --git a/public/guides/auto-insurance.html b/public/guides/auto-insurance.html
index c3644de..b818450 100644
--- a/public/guides/auto-insurance.html
+++ b/public/guides/auto-insurance.html
@@ -22,6 +22,8 @@
         <a href="/guides/auto-insurance.html">Auto</a>
         <a href="/guides/home-insurance.html">Home</a>
         <a href="/guides/life-insurance.html">Life</a>
+        <a href="/#guides">All guides</a>
+        <a href="/about.html">About</a>
         <a href="/#quote" class="cta">Get quote help</a>
       </nav>
     </div>
@@ -126,7 +128,7 @@
       <p>&copy; 2026 No Daily Worries &middot; nodailyworries.com</p>
       <p class="fine">Educational information only — not personalized insurance, financial, or legal advice.
         Coverage varies by insurer and state; consult a licensed agent.
-        <a href="/privacy.html">Privacy</a></p>
+        <a href="/about.html">About</a> &middot; <a href="/contact.html">Contact</a> &middot; <a href="/privacy.html">Privacy</a></p>
     </div>
   </footer>
 </body>
diff --git a/public/guides/health-insurance.html b/public/guides/health-insurance.html
new file mode 100644
index 0000000..82d11a7
--- /dev/null
+++ b/public/guides/health-insurance.html
@@ -0,0 +1,82 @@
+<!doctype html>
+<html lang="en">
+<head>
+<meta charset="utf-8">
+<meta name="viewport" content="width=device-width,initial-scale=1">
+<title>Health Insurance: The Four Numbers That Decode Any Plan · No Daily Worries</title>
+<meta name="description" content="Premium, deductible, coinsurance, out-of-pocket max — plus HMO vs. PPO and how to match a plan to how you use care.">
+<link rel="canonical" href="https://nodailyworries.com/guides/health-insurance.html">
+<meta property="og:title" content="Health Insurance: The Four Numbers That Decode Any Plan">
+<meta property="og:description" content="Premium, deductible, coinsurance, out-of-pocket max — plus HMO vs. PPO and how to match a plan to how you use care.">
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+      <p class="crumb"><a href="/">Home</a> / Health insurance</p>
+      <h1>Health Insurance: The Four Numbers That Decode Any Plan</h1>
+      <p>Health insurance is the most confusing policy most people own — a wall of acronyms standing between you and care you can afford. But the whole system rests on a handful of concepts. Understand these, and you can compare any two plans in minutes and stop overpaying for coverage that doesn't fit how you actually use care.</p>
+
+<h2>The Four Costs That Define Every Plan</h2>
+<p>Every health plan is really a negotiation between four numbers. Learn them and the jargon dissolves:</p>
+<ul>
+  <li><strong>Premium</strong> — what you pay every month just to have the plan, whether you use it or not.</li>
+  <li><strong>Deductible</strong> — what you pay out of pocket for care before the insurer starts paying its share.</li>
+  <li><strong>Copay / Coinsurance</strong> — your share <em>after</em> the deductible: a flat copay (e.g., $30 a visit) or a coinsurance percentage (e.g., you pay 20%).</li>
+  <li><strong>Out-of-pocket maximum</strong> — the most you can pay in a year. Once you hit it, the plan pays 100% of covered care. This is your financial worst-case, and the single most important number for protection.</li>
+</ul>
+<p>The core trade-off: a <strong>low premium usually means a high deductible</strong>, and vice versa. A cheap monthly bill can cost you thousands if you actually get sick.</p>
+
+<h2>Plan Types: HMO, PPO, EPO, POS</h2>
+<p>The letters describe how much freedom you have to choose doctors — and how much you'll pay for it:</p>
+<ul>
+  <li><strong>HMO</strong> — lowest cost, but you stay in-network and usually need referrals from a primary care doctor.</li>
+  <li><strong>PPO</strong> — most flexible: see specialists without referrals and go out-of-network (for more money). Higher premiums.</li>
+  <li><strong>EPO</strong> — a middle ground: no referrals needed, but out-of-network care generally isn't covered.</li>
+  <li><strong>POS</strong> — a hybrid of HMO and PPO with referrals but some out-of-network coverage.</li>
+</ul>
+
+<h2>Matching the Plan to How You Use Care</h2>
+<p>The right plan depends on your expected usage, not the sticker price. If you're generally healthy and rarely see a doctor, a high-deductible plan with a low premium — often paired with a tax-advantaged <strong>HSA</strong> — can be the cheapest overall. If you have a chronic condition, take regular medications, or expect a major expense like a birth or surgery, a higher-premium, lower-deductible plan usually costs less across the year.</p>
+
+<h2>Don't Overlook the Details That Bite</h2>
+<p>Two plans with identical numbers can still differ wildly. Before choosing, check that <strong>your doctors and hospitals are in-network</strong>, that your <strong>prescriptions are on the formulary</strong> (and which tier), and what the plan requires <em>prior authorization</em> for. And know that preventive care — annual checkups, many screenings, vaccines — is generally covered at no cost even before you meet the deductible.</p>
+
+<p class="note">Educational information only — plans, networks, and rules vary by insurer, employer, and state. Confirm details with the plan documents and a licensed advisor.</p>
+
+      <div class="post-cta">
+        <h3>Ready to compare?</h3>
+        <p>Use our quick form and we’ll point you to the right next step for your situation.</p>
+        <a href="/#quote" class="cta">Get quote help →</a>
+      </div>
+    </div>
+  </article>
+
+  <footer class="site-foot">
+    <div class="wrap">
+      <p>&copy; 2026 No Daily Worries &middot; nodailyworries.com</p>
+      <p class="fine">Educational information only — not personalized insurance, financial, or legal advice.
+        Coverage varies by insurer and state; consult a licensed agent.
+        <a href="/about.html">About</a> &middot; <a href="/contact.html">Contact</a> &middot; <a href="/privacy.html">Privacy</a></p>
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diff --git a/public/guides/home-insurance.html b/public/guides/home-insurance.html
index 21c8a2e..03f608b 100644
--- a/public/guides/home-insurance.html
+++ b/public/guides/home-insurance.html
@@ -22,6 +22,8 @@
         <a href="/guides/auto-insurance.html">Auto</a>
         <a href="/guides/home-insurance.html">Home</a>
         <a href="/guides/life-insurance.html">Life</a>
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       </nav>
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@@ -141,7 +143,7 @@
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       <p class="fine">Educational information only — not personalized insurance, financial, or legal advice.
         Coverage varies by insurer and state; consult a licensed agent.
-        <a href="/privacy.html">Privacy</a></p>
+        <a href="/about.html">About</a> &middot; <a href="/contact.html">Contact</a> &middot; <a href="/privacy.html">Privacy</a></p>
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diff --git a/public/guides/life-insurance.html b/public/guides/life-insurance.html
index 3032ae0..4d7059d 100644
--- a/public/guides/life-insurance.html
+++ b/public/guides/life-insurance.html
@@ -22,6 +22,8 @@
         <a href="/guides/auto-insurance.html">Auto</a>
         <a href="/guides/home-insurance.html">Home</a>
         <a href="/guides/life-insurance.html">Life</a>
+        <a href="/#guides">All guides</a>
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@@ -145,7 +147,7 @@
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         Coverage varies by insurer and state; consult a licensed agent.
-        <a href="/privacy.html">Privacy</a></p>
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diff --git a/public/guides/renters-insurance.html b/public/guides/renters-insurance.html
new file mode 100644
index 0000000..73e1448
--- /dev/null
+++ b/public/guides/renters-insurance.html
@@ -0,0 +1,75 @@
+<!doctype html>
+<html lang="en">
+<head>
+<meta charset="utf-8">
+<meta name="viewport" content="width=device-width,initial-scale=1">
+<title>Renters Insurance: Small Policy, Big Protection · No Daily Worries</title>
+<meta name="description" content="What it covers beyond theft, replacement cost vs. cash value, how much you need, and why it’s such good value.">
+<link rel="canonical" href="https://nodailyworries.com/guides/renters-insurance.html">
+<meta property="og:title" content="Renters Insurance: Small Policy, Big Protection">
+<meta property="og:description" content="What it covers beyond theft, replacement cost vs. cash value, how much you need, and why it’s such good value.">
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+      <p class="crumb"><a href="/">Home</a> / Renters insurance</p>
+      <h1>Renters Insurance: Small Policy, Big Protection</h1>
+      <p>If you rent your home, your landlord's insurance covers the building — not a single thing inside it that belongs to you. Renters insurance is the inexpensive policy that fills that gap, and it does far more than replace stolen electronics. This guide explains what renters insurance actually covers, how much you need, and why it's one of the best-value policies most people can buy.</p>
+
+<h2>What Renters Insurance Covers</h2>
+<p>A standard renters policy (often called an <strong>HO-4</strong>) bundles three distinct protections:</p>
+<h3>Personal Property</h3>
+<p>Pays to repair or replace your belongings — furniture, clothing, electronics, kitchenware — when they're damaged or destroyed by a covered peril like fire, theft, vandalism, or certain water damage. Crucially, it often covers your property <em>anywhere</em>, so a laptop stolen from your car or a bag taken while traveling can be covered too.</p>
+<h3>Liability</h3>
+<p>If a guest is injured in your apartment, or you accidentally damage someone else's property, liability coverage pays their medical or repair costs and defends you if you're sued. This is the part renters most often overlook and most often need — a single injury claim can dwarf the value of everything you own.</p>
+<h3>Additional Living Expenses (Loss of Use)</h3>
+<p>If a covered event makes your unit uninhabitable, this pays for a hotel, meals, and other extra costs while you're displaced. For a renter with no fallback, this can be the most valuable coverage in the policy.</p>
+
+<h2>Replacement Cost vs. Actual Cash Value</h2>
+<p>This single choice matters more than the price difference suggests. <strong>Actual cash value</strong> pays what your used item is worth today — a five-year-old TV gets you a fraction of what you paid. <strong>Replacement cost</strong> pays what it costs to buy a new equivalent. Replacement cost coverage is usually only slightly more expensive and is almost always worth it.</p>
+
+<h2>How Much Coverage Do You Need?</h2>
+<p>Estimate your personal property by doing a quick room-by-room inventory — photos on your phone are enough to start. Most renters underestimate; add up electronics, furniture, and clothing and the total climbs fast. For liability, $100,000 is a common floor, but $300,000 costs little more and is a smarter baseline. If you own valuables like jewelry, a bike, or camera gear, ask about a <em>scheduled endorsement</em>, since standard policies cap those categories.</p>
+
+<h2>Why It's Such Good Value</h2>
+<p>Renters insurance is among the cheapest coverage you can buy — often the price of a couple of coffees a month — because it doesn't insure the expensive part (the building). For that small sum you get property protection, liability defense, and a place to stay if disaster strikes. Bundling it with your auto policy usually earns a discount on both.</p>
+
+<p class="note">Educational information only — coverage and requirements vary by insurer and state. Read your policy and ask a licensed agent about your specific situation.</p>
+
+      <div class="post-cta">
+        <h3>Ready to compare?</h3>
+        <p>Use our quick form and we’ll point you to the right next step for your situation.</p>
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+        Coverage varies by insurer and state; consult a licensed agent.
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diff --git a/public/guides/umbrella-insurance.html b/public/guides/umbrella-insurance.html
new file mode 100644
index 0000000..172b663
--- /dev/null
+++ b/public/guides/umbrella-insurance.html
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+<!doctype html>
+<html lang="en">
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+<meta name="viewport" content="width=device-width,initial-scale=1">
+<title>Umbrella Insurance: Cheap Coverage That Protects Everything You Own · No Daily Worries</title>
+<meta name="description" content="How extra liability sits on top of auto and home, who actually needs it, and why $1M costs so little.">
+<link rel="canonical" href="https://nodailyworries.com/guides/umbrella-insurance.html">
+<meta property="og:title" content="Umbrella Insurance: Cheap Coverage That Protects Everything You Own">
+<meta property="og:description" content="How extra liability sits on top of auto and home, who actually needs it, and why $1M costs so little.">
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+      <p class="crumb"><a href="/">Home</a> / Umbrella insurance</p>
+      <h1>Umbrella Insurance: Cheap Coverage That Protects Everything You Own</h1>
+      <p>Most people carry liability coverage inside their auto and home policies without ever thinking about the ceiling on it. An umbrella policy raises that ceiling — cheaply — and it's one of the most overlooked pieces of a sound financial plan. This guide explains what umbrella insurance does, who actually needs it, and why it costs so little for so much protection.</p>
+
+<h2>What an Umbrella Policy Actually Does</h2>
+<p>An umbrella policy is <strong>extra liability coverage that sits on top of your existing auto and home (or renters) policies</strong>. When a claim against you exceeds the liability limit on the underlying policy, the umbrella kicks in and pays the rest, up to its own limit — typically starting at $1 million.</p>
+<p>It also tends to be <em>broader</em> than the policies beneath it. Umbrella coverage often includes claims your base policies exclude, such as libel, slander, false arrest, and certain liabilities away from home.</p>
+
+<h2>A Concrete Example</h2>
+<p>Say you cause a serious multi-car accident and you're found liable for $900,000 in injuries, but your auto policy's bodily-injury limit is $300,000. Without an umbrella, you're personally responsible for the remaining $600,000 — your savings, your home equity, even future wages could be at risk. A $1 million umbrella pays that gap, and your exposure drops to your deductible-equivalent underlying limit.</p>
+
+<h2>Who Actually Needs One</h2>
+<p>The rule of thumb: you need enough liability coverage to protect your <strong>net worth and future income</strong>. Consider an umbrella if you:</p>
+<ul>
+  <li>Own a home or have meaningful savings or investments,</li>
+  <li>Have a teenage driver on your auto policy (a major source of large claims),</li>
+  <li>Own a pool, trampoline, or dog — common sources of injury claims,</li>
+  <li>Rent out property, coach, or have a public profile that raises your visibility,</li>
+  <li>Regularly host guests or drive frequently.</li>
+</ul>
+<p>Even people who don't feel "wealthy" can be sued for far more than their base limits — and a judgment can follow you for years.</p>
+
+<h2>Why It's So Inexpensive</h2>
+<p>Umbrella coverage is one of the best values in insurance: a $1 million policy often costs a modest amount per year, because large claims are relatively rare and the underlying policies absorb the first layer of loss. Insurers usually require you to carry certain minimum liability limits on your auto and home policies first, which is why bundling everything with one carrier is common.</p>
+
+<h2>How Much to Buy</h2>
+<p>A common approach is to buy an umbrella limit at least equal to your net worth, and often more, since future earnings can also be targeted in a judgment. Limits typically come in $1 million increments, and stepping up from $1 million to $2 million usually costs far less than the first million did.</p>
+
+<p class="note">Educational information only — availability, requirements, and pricing vary by insurer and state. Discuss your exposure with a licensed agent.</p>
+
+      <div class="post-cta">
+        <h3>Ready to compare?</h3>
+        <p>Use our quick form and we’ll point you to the right next step for your situation.</p>
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+
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+      <p>&copy; 2026 No Daily Worries &middot; nodailyworries.com</p>
+      <p class="fine">Educational information only — not personalized insurance, financial, or legal advice.
+        Coverage varies by insurer and state; consult a licensed agent.
+        <a href="/about.html">About</a> &middot; <a href="/contact.html">Contact</a> &middot; <a href="/privacy.html">Privacy</a></p>
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diff --git a/public/index.html b/public/index.html
index d29ca77..b7649d9 100644
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@@ -58,6 +60,24 @@
           <p>Term vs. whole, the DIME method, underwriting, and the mistakes that cost families most.</p>
           <span class="read">Read the guide →</span>
         </a>
+        <a class="card" href="/guides/renters-insurance.html">
+          <span class="kicker">RENTERS</span>
+          <h3>Renters Insurance: Small Policy, Big Protection</h3>
+          <p>What it covers beyond theft, replacement cost vs. cash value, how much you need, and why it’s such good value.</p>
+          <span class="read">Read the guide →</span>
+        </a>
+        <a class="card" href="/guides/health-insurance.html">
+          <span class="kicker">HEALTH</span>
+          <h3>Health Insurance: The Four Numbers That Decode Any Plan</h3>
+          <p>Premium, deductible, coinsurance, out-of-pocket max — plus HMO vs. PPO and how to match a plan to how you use care.</p>
+          <span class="read">Read the guide →</span>
+        </a>
+        <a class="card" href="/guides/umbrella-insurance.html">
+          <span class="kicker">UMBRELLA</span>
+          <h3>Umbrella Insurance: Cheap Coverage That Protects Everything You Own</h3>
+          <p>How extra liability sits on top of auto and home, who actually needs it, and why $1M costs so little.</p>
+          <span class="read">Read the guide →</span>
+        </a>
       </div>
     </div>
   </section>
@@ -110,7 +130,7 @@
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@@ -62,7 +64,7 @@
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