yoloforever C5: deepen renters/health/umbrella guides (~460w->~950w) with cost figures + common-mistakes + FAQ; add Editorial-standards + funding-disclosure to About (YMYL depth + trust identity)

43ba22c6fe1cf21ff868afd05a32eb3633a54209 · 2026-08-05 12:41:30 -0700 · Steve
Files touched

M build.mjs
M content/health.html
M content/renters.html
M content/umbrella.html
M public/about.html
M public/guides/health-insurance.html
M public/guides/renters-insurance.html
M public/guides/umbrella-insurance.html
Diff

commit 43ba22c6fe1cf21ff868afd05a32eb3633a54209
Author: Steve <steve@designerwallcoverings.com>
Date:   Wed Aug 5 12:41:30 2026 -0700

    yoloforever C5: deepen renters/health/umbrella guides (~460w->~950w) with cost figures + common-mistakes + FAQ; add Editorial-standards + funding-disclosure to About (YMYL depth + trust identity)
---
 build.mjs                             |  9 +++++++++
 content/health.html                   | 24 +++++++++++++++++++++++-
 content/renters.html                  | 24 +++++++++++++++++++++++-
 content/umbrella.html                 | 23 ++++++++++++++++++++++-
 public/about.html                     |  9 +++++++++
 public/guides/health-insurance.html   | 24 +++++++++++++++++++++++-
 public/guides/renters-insurance.html  | 24 +++++++++++++++++++++++-
 public/guides/umbrella-insurance.html | 23 ++++++++++++++++++++++-
 8 files changed, 154 insertions(+), 6 deletions(-)

diff --git a/build.mjs b/build.mjs
index ea3b131..d925eb4 100644
--- a/build.mjs
+++ b/build.mjs
@@ -224,6 +224,15 @@ const aboutBody = `
       <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>Editorial standards</h2>
+      <p>Every guide is written and edited in-house against the same checklist: explain the coverage in plain language,
+      define the jargon on first use, give concrete numbers and typical price ranges where they help, and flag the
+      trade-offs honestly rather than steering you toward any product. Guides are dated, reviewed periodically, and
+      corrected openly when rules or figures change — if you spot something out of date, tell us and we'll update it.</p>
+      <h2>How we're funded</h2>
+      <p>${BRAND} is reader-focused and supported by third-party advertising (see our
+      <a href="/privacy.html">Privacy Policy</a> for how ad cookies work and how to opt out). Advertising keeps the
+      guides free; it never determines what we recommend. We do not sell your personal information.</p>
       <h2>An important note</h2>
       <p>${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
diff --git a/content/health.html b/content/health.html
index c82f09b..724aab1 100644
--- a/content/health.html
+++ b/content/health.html
@@ -25,4 +25,26 @@
 <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>
+<h2>A Concrete Example: How the Numbers Play Out</h2>
+<p>Say a plan has a $400 monthly premium, a $3,000 deductible, 20% coinsurance, and a $7,000 out-of-pocket maximum. You break your arm and the bill is $10,000. You pay the first $3,000 (the deductible), then 20% of the remaining $7,000 ($1,400) — a total of $4,400, which is under your $7,000 cap, so that's what you owe. If more bills followed that year, you'd pay at most $7,000 total no matter how high the costs climbed. That out-of-pocket maximum is the number that actually protects you from catastrophe — weigh it more heavily than the premium.</p>
+
+<h2>Common Mistakes to Avoid</h2>
+<ul>
+  <li><strong>Shopping on premium alone.</strong> The cheapest monthly bill often carries the highest deductible. If you get sick, "cheap" becomes very expensive. Compare the total likely cost for your expected usage, not just the sticker.</li>
+  <li><strong>Ignoring the network.</strong> Confirm your doctors and preferred hospital are in-network. Out-of-network care can cost several times more, and on many plans isn't covered at all.</li>
+  <li><strong>Skipping the drug formulary.</strong> If you take regular medication, check that it's covered and on which tier — a "cheap" plan that doesn't cover your prescription isn't cheap.</li>
+  <li><strong>Passing on an HSA when eligible.</strong> With a qualifying high-deductible plan, a Health Savings Account lets you set aside pre-tax money for medical costs — one of the few triple-tax-advantaged accounts available.</li>
+  <li><strong>Forgetting free preventive care.</strong> Annual checkups, many screenings, and vaccines are generally covered at no cost even before you meet the deductible. Use them.</li>
+</ul>
+
+<h2>Frequently Asked Questions</h2>
+<h3>What's the difference between a copay and coinsurance?</h3>
+<p>A copay is a fixed amount (e.g., $30 for a visit). Coinsurance is a percentage of the cost (e.g., you pay 20%). Many plans use copays for routine visits and coinsurance for larger services.</p>
+<h3>Does hitting my deductible mean everything is free after that?</h3>
+<p>Not quite. After the deductible you usually still pay coinsurance until you reach your out-of-pocket maximum. Once you hit that maximum, covered care is paid at 100%.</p>
+<h3>Is a lower premium always a worse deal?</h3>
+<p>No — it depends on usage. If you're healthy and rarely need care, a low-premium/high-deductible plan can be cheapest overall. If you use care regularly, a higher premium with a lower deductible often costs less across the year.</p>
+<h3>What is an HSA and who can use one?</h3>
+<p>A Health Savings Account is a tax-advantaged account you can fund only if you're enrolled in a qualifying high-deductible health plan. The money rolls over year to year and is yours to keep.</p>
+
+<p class="note">Educational information only — plans, networks, and rules vary by insurer, employer, and state. The example uses illustrative numbers, not a quote. Confirm details with the plan documents and a licensed advisor.</p>
diff --git a/content/renters.html b/content/renters.html
index 00a58ce..c41f225 100644
--- a/content/renters.html
+++ b/content/renters.html
@@ -18,4 +18,26 @@
 <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>
+<h2>What Renters Insurance Actually Costs</h2>
+<p>This is the part that surprises people: a typical renters policy runs about <strong>$15 to $30 a month</strong> — roughly $180 to $360 a year — for something like $30,000 of personal property and $100,000 of liability. Your exact price depends on a few things: the amount of coverage you choose, your deductible (a higher deductible lowers the premium), your location (crime rates and weather risk matter), and whether you bundle with an auto policy. Bundling commonly saves 5–15% on both policies. Adding scheduled coverage for valuables like an engagement ring or camera kit costs a little more but closes a real gap.</p>
+
+<h2>Common Mistakes to Avoid</h2>
+<ul>
+  <li><strong>Underinsuring your stuff.</strong> People routinely guess low. Do a quick room-by-room inventory before you buy; the total is almost always higher than the number in your head.</li>
+  <li><strong>Choosing actual cash value to save a few dollars.</strong> It pays depreciated value — pennies on the dollar for older items. Replacement cost is usually worth the small upcharge.</li>
+  <li><strong>Assuming your roommate's policy covers you.</strong> It doesn't. Each person needs their own policy unless you're both explicitly named on one.</li>
+  <li><strong>Not scheduling high-value items.</strong> Standard policies cap categories like jewelry, watches, and firearms (often around $1,500 total). A separate rider covers the full value.</li>
+  <li><strong>Expecting flood coverage.</strong> Flood damage is excluded from standard renters policies; it requires separate flood coverage if you're in a risk area.</li>
+</ul>
+
+<h2>Frequently Asked Questions</h2>
+<h3>Does renters insurance cover my roommate?</h3>
+<p>No — unless they are named on your policy. Roommates should each carry their own coverage, which keeps both liability and property claims clean.</p>
+<h3>Is renters insurance required?</h3>
+<p>It's not legally required, but many landlords now require proof of a policy in the lease. Even when it's optional, the liability protection alone usually justifies the cost.</p>
+<h3>Does it cover my belongings outside the apartment?</h3>
+<p>Usually yes. Off-premises coverage typically follows your property — a laptop stolen from your car or luggage taken while traveling can be covered, subject to your limits and deductible.</p>
+<h3>Will a claim raise my rate?</h3>
+<p>It can, especially multiple claims in a short period. For very small losses near your deductible, it's often smarter to pay out of pocket and save the claim for a genuine loss.</p>
+
+<p class="note">Educational information only — coverage, requirements, and pricing vary by insurer and state. Figures are typical ranges, not quotes. Read your policy and ask a licensed agent about your specific situation.</p>
diff --git a/content/umbrella.html b/content/umbrella.html
index ee17e81..7febfac 100644
--- a/content/umbrella.html
+++ b/content/umbrella.html
@@ -24,4 +24,25 @@
 <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>
+<h2>What Umbrella Insurance Costs</h2>
+<p>Here's why advisors push it so hard: the price is remarkably low for the protection. A <strong>$1 million</strong> umbrella policy commonly runs about <strong>$150 to $300 a year</strong> — often less than $25 a month. Each additional million typically adds only $75 to $100 a year, because the first layer of loss is absorbed by your underlying auto and home policies. So going from $1 million to $2 million usually costs far less than the first million did. Insurers require you to carry minimum liability limits on the underlying policies first (often 250/500 on auto and $300,000 on home), which is why carriers like to write all of it together.</p>
+
+<h2>Common Mistakes to Avoid</h2>
+<ul>
+  <li><strong>Assuming you're "not rich enough" to need it.</strong> A judgment can target future wages, not just current assets. A young professional with earning potential can be a bigger target than a retiree.</li>
+  <li><strong>Under-buying the limit.</strong> Match at least your net worth; many people buy $1 million out of habit when their exposure is higher. Stepping up is cheap.</li>
+  <li><strong>Letting the underlying limits lapse.</strong> An umbrella only pays after the required underlying limits are met. If you drop your auto liability below the carrier's minimum, you can create a costly gap the umbrella won't fill.</li>
+  <li><strong>Forgetting the extras that create risk.</strong> Pools, trampolines, dogs, teen drivers, rental property, and coaching or board positions all raise your exposure — exactly what an umbrella is built for.</li>
+</ul>
+
+<h2>Frequently Asked Questions</h2>
+<h3>Do I need an umbrella policy if I don't own a home?</h3>
+<p>Possibly. Umbrella coverage protects income and savings, not just a house. Renters with meaningful assets or high earning potential — and anyone with a teen driver — can still benefit; it sits on top of a renters or auto policy.</p>
+<h3>How much umbrella coverage should I buy?</h3>
+<p>A common rule is to cover at least your net worth, and often more since future earnings can be pursued in a judgment. Limits come in $1 million increments.</p>
+<h3>What does an umbrella not cover?</h3>
+<p>It covers liability to others, not your own property or injuries, and it excludes business liability and intentional acts. It's a personal-liability backstop, not all-purpose insurance.</p>
+<h3>Why is it so cheap?</h3>
+<p>Large claims are relatively rare, and your existing auto and home policies pay the first layer of any loss, so the umbrella only pays in the uncommon case where a claim exceeds those limits.</p>
+
+<p class="note">Educational information only — availability, requirements, and pricing vary by insurer and state. Figures are typical ranges, not quotes. Discuss your exposure with a licensed agent.</p>
diff --git a/public/about.html b/public/about.html
index 51aa254..f441a03 100644
--- a/public/about.html
+++ b/public/about.html
@@ -44,6 +44,15 @@
       <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>Editorial standards</h2>
+      <p>Every guide is written and edited in-house against the same checklist: explain the coverage in plain language,
+      define the jargon on first use, give concrete numbers and typical price ranges where they help, and flag the
+      trade-offs honestly rather than steering you toward any product. Guides are dated, reviewed periodically, and
+      corrected openly when rules or figures change — if you spot something out of date, tell us and we'll update it.</p>
+      <h2>How we're funded</h2>
+      <p>No Daily Worries is reader-focused and supported by third-party advertising (see our
+      <a href="/privacy.html">Privacy Policy</a> for how ad cookies work and how to opt out). Advertising keeps the
+      guides free; it never determines what we recommend. We do not sell your personal information.</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
diff --git a/public/guides/health-insurance.html b/public/guides/health-insurance.html
index d11e46d..4dec9dd 100644
--- a/public/guides/health-insurance.html
+++ b/public/guides/health-insurance.html
@@ -61,7 +61,29 @@
 <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>
+<h2>A Concrete Example: How the Numbers Play Out</h2>
+<p>Say a plan has a $400 monthly premium, a $3,000 deductible, 20% coinsurance, and a $7,000 out-of-pocket maximum. You break your arm and the bill is $10,000. You pay the first $3,000 (the deductible), then 20% of the remaining $7,000 ($1,400) — a total of $4,400, which is under your $7,000 cap, so that's what you owe. If more bills followed that year, you'd pay at most $7,000 total no matter how high the costs climbed. That out-of-pocket maximum is the number that actually protects you from catastrophe — weigh it more heavily than the premium.</p>
+
+<h2>Common Mistakes to Avoid</h2>
+<ul>
+  <li><strong>Shopping on premium alone.</strong> The cheapest monthly bill often carries the highest deductible. If you get sick, "cheap" becomes very expensive. Compare the total likely cost for your expected usage, not just the sticker.</li>
+  <li><strong>Ignoring the network.</strong> Confirm your doctors and preferred hospital are in-network. Out-of-network care can cost several times more, and on many plans isn't covered at all.</li>
+  <li><strong>Skipping the drug formulary.</strong> If you take regular medication, check that it's covered and on which tier — a "cheap" plan that doesn't cover your prescription isn't cheap.</li>
+  <li><strong>Passing on an HSA when eligible.</strong> With a qualifying high-deductible plan, a Health Savings Account lets you set aside pre-tax money for medical costs — one of the few triple-tax-advantaged accounts available.</li>
+  <li><strong>Forgetting free preventive care.</strong> Annual checkups, many screenings, and vaccines are generally covered at no cost even before you meet the deductible. Use them.</li>
+</ul>
+
+<h2>Frequently Asked Questions</h2>
+<h3>What's the difference between a copay and coinsurance?</h3>
+<p>A copay is a fixed amount (e.g., $30 for a visit). Coinsurance is a percentage of the cost (e.g., you pay 20%). Many plans use copays for routine visits and coinsurance for larger services.</p>
+<h3>Does hitting my deductible mean everything is free after that?</h3>
+<p>Not quite. After the deductible you usually still pay coinsurance until you reach your out-of-pocket maximum. Once you hit that maximum, covered care is paid at 100%.</p>
+<h3>Is a lower premium always a worse deal?</h3>
+<p>No — it depends on usage. If you're healthy and rarely need care, a low-premium/high-deductible plan can be cheapest overall. If you use care regularly, a higher premium with a lower deductible often costs less across the year.</p>
+<h3>What is an HSA and who can use one?</h3>
+<p>A Health Savings Account is a tax-advantaged account you can fund only if you're enrolled in a qualifying high-deductible health plan. The money rolls over year to year and is yours to keep.</p>
+
+<p class="note">Educational information only — plans, networks, and rules vary by insurer, employer, and state. The example uses illustrative numbers, not a quote. Confirm details with the plan documents and a licensed advisor.</p>
 
       <div class="post-cta">
         <h3>Ready to compare?</h3>
diff --git a/public/guides/renters-insurance.html b/public/guides/renters-insurance.html
index 1bf9db7..2e5c2de 100644
--- a/public/guides/renters-insurance.html
+++ b/public/guides/renters-insurance.html
@@ -54,7 +54,29 @@
 <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>
+<h2>What Renters Insurance Actually Costs</h2>
+<p>This is the part that surprises people: a typical renters policy runs about <strong>$15 to $30 a month</strong> — roughly $180 to $360 a year — for something like $30,000 of personal property and $100,000 of liability. Your exact price depends on a few things: the amount of coverage you choose, your deductible (a higher deductible lowers the premium), your location (crime rates and weather risk matter), and whether you bundle with an auto policy. Bundling commonly saves 5–15% on both policies. Adding scheduled coverage for valuables like an engagement ring or camera kit costs a little more but closes a real gap.</p>
+
+<h2>Common Mistakes to Avoid</h2>
+<ul>
+  <li><strong>Underinsuring your stuff.</strong> People routinely guess low. Do a quick room-by-room inventory before you buy; the total is almost always higher than the number in your head.</li>
+  <li><strong>Choosing actual cash value to save a few dollars.</strong> It pays depreciated value — pennies on the dollar for older items. Replacement cost is usually worth the small upcharge.</li>
+  <li><strong>Assuming your roommate's policy covers you.</strong> It doesn't. Each person needs their own policy unless you're both explicitly named on one.</li>
+  <li><strong>Not scheduling high-value items.</strong> Standard policies cap categories like jewelry, watches, and firearms (often around $1,500 total). A separate rider covers the full value.</li>
+  <li><strong>Expecting flood coverage.</strong> Flood damage is excluded from standard renters policies; it requires separate flood coverage if you're in a risk area.</li>
+</ul>
+
+<h2>Frequently Asked Questions</h2>
+<h3>Does renters insurance cover my roommate?</h3>
+<p>No — unless they are named on your policy. Roommates should each carry their own coverage, which keeps both liability and property claims clean.</p>
+<h3>Is renters insurance required?</h3>
+<p>It's not legally required, but many landlords now require proof of a policy in the lease. Even when it's optional, the liability protection alone usually justifies the cost.</p>
+<h3>Does it cover my belongings outside the apartment?</h3>
+<p>Usually yes. Off-premises coverage typically follows your property — a laptop stolen from your car or luggage taken while traveling can be covered, subject to your limits and deductible.</p>
+<h3>Will a claim raise my rate?</h3>
+<p>It can, especially multiple claims in a short period. For very small losses near your deductible, it's often smarter to pay out of pocket and save the claim for a genuine loss.</p>
+
+<p class="note">Educational information only — coverage, requirements, and pricing vary by insurer and state. Figures are typical ranges, not quotes. Read your policy and ask a licensed agent about your specific situation.</p>
 
       <div class="post-cta">
         <h3>Ready to compare?</h3>
diff --git a/public/guides/umbrella-insurance.html b/public/guides/umbrella-insurance.html
index b362f24..59096d5 100644
--- a/public/guides/umbrella-insurance.html
+++ b/public/guides/umbrella-insurance.html
@@ -60,7 +60,28 @@
 <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>
+<h2>What Umbrella Insurance Costs</h2>
+<p>Here's why advisors push it so hard: the price is remarkably low for the protection. A <strong>$1 million</strong> umbrella policy commonly runs about <strong>$150 to $300 a year</strong> — often less than $25 a month. Each additional million typically adds only $75 to $100 a year, because the first layer of loss is absorbed by your underlying auto and home policies. So going from $1 million to $2 million usually costs far less than the first million did. Insurers require you to carry minimum liability limits on the underlying policies first (often 250/500 on auto and $300,000 on home), which is why carriers like to write all of it together.</p>
+
+<h2>Common Mistakes to Avoid</h2>
+<ul>
+  <li><strong>Assuming you're "not rich enough" to need it.</strong> A judgment can target future wages, not just current assets. A young professional with earning potential can be a bigger target than a retiree.</li>
+  <li><strong>Under-buying the limit.</strong> Match at least your net worth; many people buy $1 million out of habit when their exposure is higher. Stepping up is cheap.</li>
+  <li><strong>Letting the underlying limits lapse.</strong> An umbrella only pays after the required underlying limits are met. If you drop your auto liability below the carrier's minimum, you can create a costly gap the umbrella won't fill.</li>
+  <li><strong>Forgetting the extras that create risk.</strong> Pools, trampolines, dogs, teen drivers, rental property, and coaching or board positions all raise your exposure — exactly what an umbrella is built for.</li>
+</ul>
+
+<h2>Frequently Asked Questions</h2>
+<h3>Do I need an umbrella policy if I don't own a home?</h3>
+<p>Possibly. Umbrella coverage protects income and savings, not just a house. Renters with meaningful assets or high earning potential — and anyone with a teen driver — can still benefit; it sits on top of a renters or auto policy.</p>
+<h3>How much umbrella coverage should I buy?</h3>
+<p>A common rule is to cover at least your net worth, and often more since future earnings can be pursued in a judgment. Limits come in $1 million increments.</p>
+<h3>What does an umbrella not cover?</h3>
+<p>It covers liability to others, not your own property or injuries, and it excludes business liability and intentional acts. It's a personal-liability backstop, not all-purpose insurance.</p>
+<h3>Why is it so cheap?</h3>
+<p>Large claims are relatively rare, and your existing auto and home policies pay the first layer of any loss, so the umbrella only pays in the uncommon case where a claim exceeds those limits.</p>
+
+<p class="note">Educational information only — availability, requirements, and pricing vary by insurer and state. Figures are typical ranges, not quotes. Discuss your exposure with a licensed agent.</p>
 
       <div class="post-cta">
         <h3>Ready to compare?</h3>
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