Les Masterson

Boston

Deputy Editor at Forbes Advisor

Writer & editor covering insurance @ForbesAdvisor. Interests: @Mets, @steelers, NYC, London, Newcastle, UK.

Articles

House Replacement Cost Estimator: What It Is & How To Estimate

3 weeks ago | forbes.com | Les Masterson |Amy Danise

Home insurance covers your house if it’s damaged or destroyed and you need to rebuild. You want to make sure you have enough replacement cost value coverage so that your insurance company would provide enough money to rebuild if your house is damaged by a fire or other problems covered by homeowners insurance. Your home insurance company can figure out your home’s replacement cost value. You can also use an online replacement cost estimator to see how much you may need in replacement cost value.
Shelter Car Insurance Review 2025

Jan 14, 2025 | forbes.com | Penny Gusner |Les Masterson

Have a question for Penny Gusner or our other editors? Ask here for a chance to be featured in a story. By submitting this form, you agree to allow us to collect, store, and potentially publish your provided information, including name and question, in the article or any related content. You confirm that the submitted content is original, accurate, and non-infringing on any third-party rights.
Best Cheap Renters Insurance In Texas 2025 – Forbes Advisor

Jan 3, 2025 | forbes.com | Les Masterson

See the best options for cheap renters insurance in Texas, along with basic tenants rights laws in the state concerning evictions, security deposits and when a landlord can enter your apartment.
Best Homeowners Insurance In Florida 2025 – Forbes Advisor

Jan 3, 2025 | forbes.com | Les Masterson

Looking for cheap home insurance in Florida? We analyzed the biggest homeowners insurance companies in Florida to help you find the best insurance policy.
Guaranteed Issue Life Insurance: Pros and Cons

Dec 5, 2024 | forbes.com | Amy Danise |Ashlee Valentine |Jason Metz |Les Masterson

Older people and those with severe health issues often have difficulty finding life insurance. Guaranteed life insurance is one possible avenue to get coverage. These policies allow you to buy life insurance, but guaranteed policies typically have high costs, low coverage amounts and have “graded death benefits,” so they might not make sense for you. What Is Guaranteed Issue Life Insurance? Guaranteed issue life insurance is a life insurance policy for which you won’t be turned down.
What Is Whole Life Insurance? (And How To Get It)

Dec 3, 2024 | forbes.com | Les Masterson |Amy Danise

Whole life insurance, a type of permanent life insurance, can provide lifelong coverage so your beneficiaries claim the policy’s death benefit regardless of when you pass away. It also offers an investment account called “cash value.”This type of life insurance can be appealing if you don’t want any guesswork with your life insurance. But the guarantees can come with a hefty price tag.
Home Insurance Outlook 2025: Severe Weather, Building Costs Drive Up Premiums

Nov 21, 2024 | forbes.com | Elizabeth Rivelli |Les Masterson

Homeowners insurance rates are expected to continue climbing in 2025 as factors such as climate change, severe weather and more expensive claims increase insurance companies’ costs. We talked to several Forbes Advisor insurance board members to get their thoughts and predictions for the 2025 home insurance landscape. Premiums Will Continue to IncreaseHomeowners insurance premiums have been rising steadily, and homeowners aren’t likely to get a break in 2025.
8 Best Car Insurance Companies Of November 2024

Nov 1, 2024 | forbes.com | Penny Gusner |Amy Danise |Michelle Megna |Les Masterson

We analyzed car insurance costs, coverage options, complaint data and collision repair claims service. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate insurance companies so all companies are measured equally. You can read more about our editorial guidelines and the methodology for the ratings below. We worked with a survey company to gather proprietary user comments for the products listed below.
The Best Health Insurance In Ohio Of 2024

Oct 25, 2024 | ourcommunitynow.com | Les Masterson

Platinum plans are the most expensive ACA marketplace plans and they’re also the hardest to find. Less than 10% of ACA plans are platinum plans, so there’s a good chance you might not even see them offered. If a health insurance company in your region sells platinum plans, these types of plans may work for you if you need regular healthcare and multiple costly prescriptions. Platinum plans have low health insurance deductibles and coinsurance , so you pay less when you need healthcare.
The Best Health Insurance In New Hampshire Of 2024

Oct 25, 2024 | forbes.com | Les Masterson |Amy Danise

Summary: Best Health Insurance In New Hampshire Company Forbes Advisor rating Our Expert Take Learn More On Healthcare.com’s Website We analyzed costs, complaints to state insurance departments, deductibles, breadth of health plans and metal-tier offerings in New Hampshire. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology for the ratings...