Adam Ellis
I spent years trying to make sense of insurance policies for myself and my family, and I learned that most people just want clear answers without the sales pitch. At InsuranceAdvisers, I break down how auto, home, health, life, and Medicare coverage actually work, and I explain the tradeoffs so you can compare plans without getting lost in jargon. I also keep track of changes that affect real decisions, like Medicare enrollment shifts or new options after a job loss or a move. I am not an insurer or an agent, and I do not sell policies, so my job here is to help you understand what you are buying and where the fine print matters. I draw on the same research and comparison tools we use across the site, and I point out when a provider pays us so you can weigh that as you shop.
Articles by Adam Ellis

Oct 29, 2026 · Insurance Shopping, Personal Finance
Umbrella Policy: How Much Liability Coverage Do I Need?
Umbrella policy how much liability coverage do i need above auto and home? Use net worth plus income exposure to set a limit that protects your assets.