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                    <title><![CDATA[ Latest from Kiplinger in Home-insurance ]]></title>
                <link>https://www.kiplinger.com/personal-finance/insurance/home-insurance</link>
        <description><![CDATA[ All the latest home-insurance content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Fri, 03 Apr 2026 10:00:00 +0000</lastBuildDate>
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                                                            <title><![CDATA[ 6 Ways Seniors Can Save on Home Insurance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/ways-seniors-can-save-on-home-insurance</link>
                                                                            <description>
                            <![CDATA[ Don't let soaring insurance premiums eat into your retirement income. ]]>
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                                                                        <pubDate>Fri, 03 Apr 2026 10:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 07 Apr 2026 14:13:34 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rachael Green ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kieiBB5H8ByiTLMtUjodvH-1280-80.jpg">
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                                                            <title><![CDATA[ What Can You Do When Your Neighbor's Tree Is a Danger to the Neighborhood? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/what-to-do-when-neighbors-tree-is-a-danger</link>
                                                                            <description>
                            <![CDATA[ Some neighbors are jerks, but you don't have to be. Here's how to create a paper trail when asking a neighbor to deal with a tree that's a safety hazard. ]]>
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                                                                        <pubDate>Tue, 10 Mar 2026 09:30:00 +0000</pubDate>                                                                                                                                <updated>Tue, 10 Mar 2026 14:55:51 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
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                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ Lagombeaver1@gmail.com (H. Dennis Beaver, Esq.) ]]></author>                    <dc:creator><![CDATA[ H. Dennis Beaver, Esq. ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/KLYikAe3xzKXG3KcRCZdeR-1280-80.jpg">
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                                                            <title><![CDATA[ Is There a Downside to Switching Your Insurance Frequently? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/is-there-a-downside-to-switching-your-insurance-frequently</link>
                                                                            <description>
                            <![CDATA[ You keep finding lower rates every time you shop for insurance. Is there any reason not to take the better deal? ]]>
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                                                                        <pubDate>Wed, 11 Feb 2026 20:25:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rachael Green ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/BgQKDnoGFmuKua4Dg9txAX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man searches for car insurance on his smartphone.]]></media:description>                                                            <media:text><![CDATA[A man searches for car insurance on his smartphone.]]></media:text>
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                                                            <title><![CDATA[ Why Your Home Insurance Might Not Protect You If Someone Else Lives There ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/second-home-insurance-when-someone-else-lives-there</link>
                                                                            <description>
                            <![CDATA[ Letting a relative stay in a second home or inherited property can quietly change your insurance coverage and leave you exposed to costly liability claims. ]]>
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                                                                        <pubDate>Sat, 31 Jan 2026 12:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/erbKvEeTuSPvxfcfQAr64X-1280-80.jpg">
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                                                            <title><![CDATA[ How Drones Can Affect Your Insurance Coverage ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/drone-and-satellite-images-home-insurance</link>
                                                                            <description>
                            <![CDATA[ How insurers are using aerial imagery to assess homes, the backlash from policyholders and how state regulators are trying to rein in the practice. ]]>
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                                                                        <pubDate>Sat, 24 Jan 2026 11:15:00 +0000</pubDate>                                                                                                                                <updated>Mon, 26 Jan 2026 14:22:29 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/8dENRif7oHHN63o6RMUwcA-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Drone flying near a private house]]></media:description>                                                            <media:text><![CDATA[Drone flying near a private house]]></media:text>
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                                                            <title><![CDATA[ We Know You Hate Your Insurance, But Here's Why You Should Show It Some Love ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/why-you-shouldnt-hate-your-insurance</link>
                                                                            <description>
                            <![CDATA[ Sure, it's pricey, the policies are confusing, and the claims process is slow, but insurance is essentially the friend who shows up during life's worst moments. ]]>
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                                                                        <pubDate>Fri, 16 Jan 2026 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/gKJKpnBUx4PizJbNjTFGYV-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man&#039;s facial expression looks very annoyed.]]></media:description>                                                            <media:text><![CDATA[A man&#039;s facial expression looks very annoyed.]]></media:text>
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                                                            <title><![CDATA[ Mortgage Protection Insurance: What It Covers and When It Makes Sense ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/mortgage-protection-insurance-explained</link>
                                                                            <description>
                            <![CDATA[ How mortgage protection insurance works, what it costs, and when it’s actually useful in a financial plan. ]]>
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                                                                        <pubDate>Wed, 14 Jan 2026 11:50:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/t5yLA2e4x7ApPCSGz6GdfX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Insurance agent clasping hands over a model home. ]]></media:description>                                                            <media:text><![CDATA[Insurance agent clasping hands over a model home. ]]></media:text>
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                                                            <title><![CDATA[ Is Home Insurance Tax Deductible? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/is-home-insurance-tax-deductible</link>
                                                                            <description>
                            <![CDATA[ With home insurance rates on the rise, you might be hoping to at least claim the cost as a tax deduction. Here's what you need to know ahead of tax season. ]]>
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                                                                        <pubDate>Fri, 09 Jan 2026 14:40:35 +0000</pubDate>                                                                                                                                <updated>Mon, 12 Jan 2026 20:36:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Tax Deductions]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rachael Green ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/nXExiBRaNXxK5pJQLVxDEW-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Mature couple feeling worried while trying to get their finances in order]]></media:description>                                                            <media:text><![CDATA[Mature couple feeling worried while trying to get their finances in order]]></media:text>
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                                                            <title><![CDATA[ Do You Have an Insurance Coverage Gap for Your Valuables? You May Be Surprised to Learn You Do ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/do-you-have-an-insurance-coverage-gap-for-your-valuables</link>
                                                                            <description>
                            <![CDATA[ Standard homeowners insurance usually has strict limits on high-value items, so you should formally "schedule" these valuable possessions with your insurer. ]]>
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                                                                        <pubDate>Fri, 02 Jan 2026 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
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                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/BvGMkumraJkKWiQWsoeE3P-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Multicolored crystal cubes scattered on a white background.]]></media:description>                                                            <media:text><![CDATA[Multicolored crystal cubes scattered on a white background.]]></media:text>
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                                                            <title><![CDATA[ I'm an Insurance Expert: Sure, There's Always Tomorrow to Report Your Claim, But Procrastination Could Cost You  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/filing-an-insurance-claim-late-could-cost-you</link>
                                                                            <description>
                            <![CDATA[ The longer you wait to file an insurance claim, the bigger the problem could get — and the more leverage you're giving your insurer to deny it. ]]>
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                                                                        <pubDate>Fri, 26 Dec 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/GKxEiWUsHnip38NkQcXZ48-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A young man snoozes on the sofa, completely relaxed and unconcerned.]]></media:description>                                                            <media:text><![CDATA[A young man snoozes on the sofa, completely relaxed and unconcerned.]]></media:text>
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                                                            <title><![CDATA[ I'm an Insurance Pro: It's Time to Prepare for Natural Disasters Like They Could Happen to You ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/time-to-prepare-for-natural-disasters</link>
                                                                            <description>
                            <![CDATA[ You can no longer have the mindset that "that won't happen here." Because it absolutely could. As we head into 2026, consider making a disaster plan. ]]>
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                                                                        <pubDate>Fri, 19 Dec 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Investing]]></category>
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                                                                                                <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/k6kMg59HLbFot4moPbsKBb-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A home constructed of hundred-dollar bills sits in the center of a target.]]></media:description>                                                            <media:text><![CDATA[A home constructed of hundred-dollar bills sits in the center of a target.]]></media:text>
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                                                            <title><![CDATA[ Snowbirds: Avoid These 3 Sneaky Insurance Issues ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/snowbirds-avoid-these-sneaky-insurance-issues</link>
                                                                            <description>
                            <![CDATA[ Before snowbirds depart for their winter retreat, they should check their insurance coverage for surprises that might arise, or else be on the hook for repairs. ]]>
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                                                                        <pubDate>Thu, 27 Nov 2025 15:02:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ayaBBisVVsXGgV2WTZ3LVV-1280-80.jpg">
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                                                            <title><![CDATA[ 'But It's Not My Fault!': Your Insurance Company Absolutely Will Blame You in These Five Scenarios ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/your-insurance-company-will-blame-you-in-these-scenarios</link>
                                                                            <description>
                            <![CDATA[ Insurance companies care about 'fault' in more ways than you think — from payment mishaps to your neighbor's landscaping — so it's on you to manage the risks. ]]>
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                                                                        <pubDate>Fri, 14 Nov 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ksfWfZdZzCJuuFZkg5jeKc-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man has his hands up and looks annoyed, as if he&#039;s saying, &quot;But it&#039;s not my fault.&quot;]]></media:description>                                                            <media:text><![CDATA[A man has his hands up and looks annoyed, as if he&#039;s saying, &quot;But it&#039;s not my fault.&quot;]]></media:text>
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                                                            <title><![CDATA[ Protect Your Family From Costly Festive Fails With These Holiday Tips ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/festive-fails-holiday-hazards</link>
                                                                            <description>
                            <![CDATA[ Having people over this holiday season? Before opening the door to guests, here are some perils to prepare for in advance. ]]>
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                                                                        <pubDate>Thu, 13 Nov 2025 11:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/DVZ9NePjeg44aq7ghSeeK3-1280-80.jpg">
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                                                            <title><![CDATA[ Government Shutdown Freezes National Flood Insurance Program: What Homeowners and Buyers Need to Know ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/government-shutdown-freezes-national-flood-insurance-program</link>
                                                                            <description>
                            <![CDATA[ FEMA's National Flood Insurance Program is unavailable for new customers, increased coverage or renewals during the government shutdown. ]]>
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                                                                        <pubDate>Fri, 31 Oct 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Fri, 31 Oct 2025 17:07:48 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ karl@susmaninsurance.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/3EYJSKTxfPkU7BJxFQzHHA-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Floodwaters in a neighborhood.]]></media:description>                                                            <media:text><![CDATA[Floodwaters in a neighborhood.]]></media:text>
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                                                            <title><![CDATA[ What Is the 1% Deductible Rule in Home Insurance? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/one-percent-deductible-rule-home-insurance</link>
                                                                            <description>
                            <![CDATA[ You could be overpaying for home insurance if your deductible is too low. But going too high can be just as risky. That's where the 1% deductible rule comes in. ]]>
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                                                                        <pubDate>Fri, 24 Oct 2025 17:03:43 +0000</pubDate>                                                                                                                                <updated>Tue, 28 Oct 2025 14:20:35 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rachael Green ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/of3YrzusmZiTtxyxAWroxa-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A model house beside stacks of coins sitting on a table.]]></media:description>                                                            <media:text><![CDATA[A model house beside stacks of coins sitting on a table.]]></media:text>
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                                                            <title><![CDATA[ How to Protect Your Home From Keyless Break-ins ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/how-to-protect-your-home-from-keyless-break-ins</link>
                                                                            <description>
                            <![CDATA[ While smart locks enhance home security, skilled intruders may bypass them. Here's how to strengthen your defenses. ]]>
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                                                                        <pubDate>Wed, 22 Oct 2025 10:07:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/sTidxUX9aRzijLnQpzW7vG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[a child using an app to unlock his home&#039;s front door]]></media:description>                                                            <media:text><![CDATA[a child using an app to unlock his home&#039;s front door]]></media:text>
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                                                            <title><![CDATA[ I'm an Insurance Pro: Everyone Needs to Prepare for Earthquakes, Even if You Don't Live Near a Fault Line ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-to-prepare-for-an-earthquake</link>
                                                                            <description>
                            <![CDATA[ Here are my tips for what to do before, during and after an earthquake. The more prepared you are, the more you'll be able to keep your wits about you if it happens. ]]>
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                                                                        <pubDate>Fri, 10 Oct 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/zYE27NcKFSR8kUuZvdiej9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman adds items to her emergency go-bag while preparing for emergencies.]]></media:description>                                                            <media:text><![CDATA[A woman adds items to her emergency go-bag while preparing for emergencies.]]></media:text>
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                                                            <title><![CDATA[ I'm an Insurance Expert: This Is Exactly Why Your Insurance Rates Are Soaring (and What You Can Do)  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/why-insurance-rates-are-soaring-what-you-can-do</link>
                                                                            <description>
                            <![CDATA[ A dramatic rise in the frequency and cost of severe weather and wildfires means you need to prepare, prepare, prepare — no matter where you live — for higher premiums. ]]>
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                                                                        <pubDate>Fri, 03 Oct 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/EoKi7qRgrHdyoaEoLEuHPj-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Storm clouds with the sun behind them and showing lightning. ]]></media:description>                                                            <media:text><![CDATA[Storm clouds with the sun behind them and showing lightning. ]]></media:text>
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                                                            <title><![CDATA[ I'm 65 and My Property Taxes and Insurance Keep Going Up. How Can I Afford My House in Five Years? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/im-65-and-my-property-taxes-and-insurance-keep-going-up-afford-house</link>
                                                                            <description>
                            <![CDATA[ The costs of homeownership may continue to rise in retirement. Here's how to manage that. ]]>
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                                                                        <pubDate>Wed, 10 Sep 2025 10:05:00 +0000</pubDate>                                                                                                                                <updated>Wed, 10 Sep 2025 13:56:46 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/PCEJ9vAJHMWEtxg48WBxSS-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Stressed man sitting at his desk at home and checking an expensive invoice using a calculator.]]></media:description>                                                            <media:text><![CDATA[Stressed man sitting at his desk at home and checking an expensive invoice using a calculator.]]></media:text>
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                                                            <title><![CDATA[ Protect Your Retirement From Extreme Weather Events ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/protect-your-retirement-from-extreme-weather-events</link>
                                                                            <description>
                            <![CDATA[ A rising tide of storms, fires, and heat is impacting retirees. Here's what you can do about it. ]]>
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                                                                        <pubDate>Thu, 21 Aug 2025 09:55:00 +0000</pubDate>                                                                                                                                <updated>Tue, 26 Aug 2025 16:39:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Places To Live]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ MP Dunleavey ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/32JQjQNUaepffpfC7hgaEW-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Late Summer Sunrise over Los Angeles - 9/7/2022: A hot summer sun rises over Los Angeles during the end of summer heatwave.]]></media:description>                                                            <media:text><![CDATA[Late Summer Sunrise over Los Angeles - 9/7/2022: A hot summer sun rises over Los Angeles during the end of summer heatwave.]]></media:text>
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                                                            <title><![CDATA[ How Four Families Handled Natural Disasters ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/how-four-families-handled-natural-disasters</link>
                                                                            <description>
                            <![CDATA[ Four families whose homes were damaged or destroyed share their stories. ]]>
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                                                                        <pubDate>Sun, 20 Jul 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 19 Aug 2025 16:23:25 +0000</updated>
                                                                                                                                            <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ngMB7vskXdSpV9RpcNrEg4-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman stands in floodwaters looking toward an unflooded road ahead.]]></media:description>                                                            <media:text><![CDATA[A woman stands in floodwaters looking toward an unflooded road ahead.]]></media:text>
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                                                            <title><![CDATA[ Do You Need Flood Insurance? I'm an Insurance Expert, and Here's Where You Can Get It ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/flood-insurance-why-you-need-it-and-where-to-buy-it</link>
                                                                            <description>
                            <![CDATA[ Standard homeowners insurance does not cover flood damage, so you might need separate flood insurance, which you can get either through FEMA or private companies. Here are the details. ]]>
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                                                                        <pubDate>Fri, 18 Jul 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Q4fxra3CgV5oyiXFSBe87o-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman talks on her cell phone while standing in her flooded house.]]></media:description>                                                            <media:text><![CDATA[A woman talks on her cell phone while standing in her flooded house.]]></media:text>
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                                                            <title><![CDATA[ Florida Revives Popular Home-Hardening Program With $280M in New Funding ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/home-improvement/florida-home-hardening-grant-program</link>
                                                                            <description>
                            <![CDATA[ A major infusion of state funds revives Florida's flagship home-hardening grant program to protect homeowners and potentially lower insurance costs. ]]>
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                                                                        <pubDate>Thu, 10 Jul 2025 16:48:52 +0000</pubDate>                                                                                                                                <updated>Mon, 21 Jul 2025 18:01:54 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kZjgEXTbcRPwEEsLdaFgwX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Roofers are installing a new roof on a home. ]]></media:description>                                                            <media:text><![CDATA[Roofers are installing a new roof on a home. ]]></media:text>
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                                                            <title><![CDATA[ I'm an Insurance Expert: This Is How Your Insurance Protects You While You're on Vacation ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/how-your-insurance-protects-you-while-you-are-on-vacation</link>
                                                                            <description>
                            <![CDATA[ Here are three key things to consider about your insurance (auto, property and health) when traveling within the U.S., including coverage for rental cars, personal belongings and medical emergencies. ]]>
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                                                                        <pubDate>Fri, 04 Jul 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Travel]]></category>
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                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/G6GpumHQKzUUy4VFSJSTqC-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman sits at the gate in an airport and looks at her phone.]]></media:description>                                                            <media:text><![CDATA[A woman sits at the gate in an airport and looks at her phone.]]></media:text>
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                                                            <title><![CDATA[ A Meteorite May Have Hit a Home in Georgia. Would Insurance Cover the Damage? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/space-debris-damage-home-insurance-coverage</link>
                                                                            <description>
                            <![CDATA[ In a rare event, a meteorite may have crashed through the roof of a Georgia homeowner. Here’s what home insurance would cover. ]]>
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                                                                        <pubDate>Fri, 27 Jun 2025 19:11:34 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rachael Green ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/AHXnJe7BuY2Yuvusvm2j47-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Three fireballs falling from the sky at sunset.]]></media:description>                                                            <media:text><![CDATA[Three fireballs falling from the sky at sunset.]]></media:text>
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                                                            <title><![CDATA[ How to Stay Safe During Summer Storms: What to Know About Lightning Risks ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/lightning-safety-tips-for-homeowners</link>
                                                                            <description>
                            <![CDATA[ Learn how to protect your home, electronics, and personal safety from lightning strikes this summer — plus what your insurance might cover. ]]>
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                                                                        <pubDate>Fri, 27 Jun 2025 16:39:43 +0000</pubDate>                                                                                                                                <updated>Tue, 01 Jul 2025 15:42:31 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Qoub6ozCGDwKhnDkA9oPFK-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Picture of lightning striking behind house]]></media:description>                                                            <media:text><![CDATA[Picture of lightning striking behind house]]></media:text>
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                                                            <title><![CDATA[ Is Your Home Disaster-Ready? An Insurance Expert's Guide to Preparing for Storms and Fires ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/expert-guide-to-preparing-your-home-for-storms-and-fires</link>
                                                                            <description>
                            <![CDATA[ Homeowners can take these steps to protect their properties from hurricanes, tornadoes, wildfires and hail, while also potentially reducing their insurance costs. ]]>
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                                                                        <pubDate>Fri, 13 Jun 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
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                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/n2sKbNiGccqE5v8nuSUbBo-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A home is wrapped in bubble wrap.]]></media:description>                                                            <media:text><![CDATA[A home is wrapped in bubble wrap.]]></media:text>
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                                                            <title><![CDATA[ 2025 Kiplinger Readers' Choice Awards Results ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/2025-kiplinger-readers-choice-awards-results</link>
                                                                            <description>
                            <![CDATA[ In our 2025 Readers' Choice Awards survey, readers evaluated brokers, wealth managers, banks and other financial providers. Find out which ones rose to the top. ]]>
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                                                                        <pubDate>Tue, 27 May 2025 04:02:30 +0000</pubDate>                                                                                                                                <updated>Wed, 01 Oct 2025 16:15:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
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                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Rewards Credit Cards]]></category>
                                                    <category><![CDATA[tax software]]></category>
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                                                    <category><![CDATA[Online Banking]]></category>
                                                    <category><![CDATA[Travel Credit Cards]]></category>
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                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Taxes]]></category>
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                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/NFVweQ8vFfoUWqXXAfkdBT-1280-80.jpg">
                                                            <media:credit><![CDATA[Future]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A graphic saying &quot;Kiplinger Readers&#039; Choice Award 2025 Results.&quot;]]></media:description>                                                            <media:text><![CDATA[A graphic saying &quot;Kiplinger Readers&#039; Choice Award 2025 Results.&quot;]]></media:text>
                                <media:title type="plain"><![CDATA[A graphic saying &quot;Kiplinger Readers&#039; Choice Award 2025 Results.&quot;]]></media:title>
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                                                            <title><![CDATA[ Kiplinger Readers' Choice Awards 2025: Homeowners Insurance Companies ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/kiplinger-readers-choice-awards-2025-homeowners-insurance-companies</link>
                                                                            <description>
                            <![CDATA[ In our 2025 Readers' Choice Awards survey, readers evaluated financial providers. Find out which homeowners' insurance company came out on top. ]]>
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                                                                        <pubDate>Tue, 27 May 2025 04:01:30 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
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                                                                                                <author><![CDATA[ emma.patch@futurenet.com (Emma Patch) ]]></author>                    <dc:creator><![CDATA[ Emma Patch ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/b73Ma5as3D5ZkZEWACQruQ-1280-80.jpg">
                                                            <media:credit><![CDATA[Future]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Readers&#039; Choice Awards Insurance ]]></media:description>                                                            <media:text><![CDATA[Readers&#039; Choice Awards Insurance ]]></media:text>
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                                                            <title><![CDATA[ How Much Does Flood Insurance Cost in 2025? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/how-much-does-flood-insurance-cost</link>
                                                                            <description>
                            <![CDATA[ Flood insurance costs are rising, but there are several ways to save. Learn what factors affect your flood insurance premiums and how to reduce your costs. ]]>
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                                                                        <pubDate>Fri, 23 May 2025 15:59:07 +0000</pubDate>                                                                                                                                <updated>Tue, 30 Sep 2025 21:16:36 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/CVPri3zQCgsYqJiCiQQYTL-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Young couple in wellington boots on flooded floor.]]></media:description>                                                            <media:text><![CDATA[Young couple in wellington boots on flooded floor.]]></media:text>
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                                                            <title><![CDATA[ I'm an Insurance Pro: How Not to Get Dumped by Your Insurance Agent ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/im-an-insurance-pro-how-not-to-get-dumped-by-your-insurance-agent</link>
                                                                            <description>
                            <![CDATA[ Your insurance agent or broker might show you the door if you do any of these five things. Being a good customer is about more than paying your bill on time. ]]>
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                                                                        <pubDate>Fri, 16 May 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Mon, 19 May 2025 13:29:08 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
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                                                    <category><![CDATA[Wealth Creation]]></category>
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                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/8bnCq9xA2i7PxYpYJR6XzB-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Sticky note on top of a scattered sticky notes that says You Are Fired.]]></media:description>                                                            <media:text><![CDATA[Sticky note on top of a scattered sticky notes that says You Are Fired.]]></media:text>
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                                                            <title><![CDATA[ Hail Damage Insurance Claims: Is Filing Worth the Cost and Hassle? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/hail-damage-insurance-claims-is-filing-worth-the-cost-and-hassle</link>
                                                                            <description>
                            <![CDATA[ Before filing a hail damage insurance claim, understand the potential costs, risks and whether it's worth the effort. Learn when to file and when to pay out of pocket. ]]>
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                                                                        <pubDate>Thu, 15 May 2025 19:55:13 +0000</pubDate>                                                                                                                                <updated>Wed, 18 Mar 2026 18:56:01 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9gytMSjetv2uXEivgdfhm-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Female taking picture of her damaged car after an hailstorm.]]></media:description>                                                            <media:text><![CDATA[Female taking picture of her damaged car after an hailstorm.]]></media:text>
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                                                            <title><![CDATA[ Five Water Damage Risks Homeowners Forget About — and Why Insurance Won’t Always Cover Them ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/often-overlooked-water-damage-risks-homeowners-forget-about-and-why-insurance-wont-always-cover-them</link>
                                                                            <description>
                            <![CDATA[ Water damage is one of the most common — and costly — home repairs. Here's what your policy may not protect against, and how you can avoid major headaches. ]]>
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                                                                        <pubDate>Thu, 15 May 2025 16:07:53 +0000</pubDate>                                                                                                                                <updated>Tue, 30 Sep 2025 21:16:28 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ncSsygSDWtnRuqeCPBhHF3-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Worried home owner dealing with water leak in the kitchen]]></media:description>                                                            <media:text><![CDATA[Worried home owner dealing with water leak in the kitchen]]></media:text>
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                                                            <title><![CDATA[ Denied and Abandoned: The Rise of Unregulated Insurers and the Homeowners Left Behind ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/the-rise-of-unregulated-insurers-and-the-homeowners-left-behind</link>
                                                                            <description>
                            <![CDATA[ As traditional insurers retreat from California's high-risk zones, a surge of unregulated carriers steps in, leaving a trail of denied claims and devastated homeowners. ]]>
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                                                                        <pubDate>Fri, 09 May 2025 18:39:12 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/FYq9NYgHZKoLTNCrd7FGXW-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man and woman hug among the ruins of a home after a wildfire.]]></media:description>                                                            <media:text><![CDATA[A man and woman hug among the ruins of a home after a wildfire.]]></media:text>
                                <media:title type="plain"><![CDATA[A man and woman hug among the ruins of a home after a wildfire.]]></media:title>
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                                                            <title><![CDATA[ 5 DIY Home Security Upgrades That Can Lower Your Insurance Premium ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/diy-security-upgrades-that-can-lower-your-home-insurance-premium</link>
                                                                            <description>
                            <![CDATA[ Boost home security with these five DIY upgrades — some may even qualify for a home insurance discount. ]]>
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                                                                        <pubDate>Fri, 25 Apr 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Thu, 12 Mar 2026 21:07:20 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/mrnXtah3RsQwrP23vVb5jM-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man installs a video doorbell beside his front door.]]></media:description>                                                            <media:text><![CDATA[A man installs a video doorbell beside his front door.]]></media:text>
                                <media:title type="plain"><![CDATA[A man installs a video doorbell beside his front door.]]></media:title>
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                                                            <title><![CDATA[ Four Reasons It May Be Time to Shop for New Insurance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/reasons-it-may-be-time-to-shop-for-new-insurance</link>
                                                                            <description>
                            <![CDATA[ You may be unhappy with your insurance for any number of reasons, so once you've decided to shop, what is appropriate (or inappropriate) timing? ]]>
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                                                                        <pubDate>Fri, 25 Apr 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
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                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/BmrNKExL2iR7DsfHtFZDTD-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman looks at a car insurance shopping website on her laptop at her kitchen island.]]></media:description>                                                            <media:text><![CDATA[A woman looks at a car insurance shopping website on her laptop at her kitchen island.]]></media:text>
                                <media:title type="plain"><![CDATA[A woman looks at a car insurance shopping website on her laptop at her kitchen island.]]></media:title>
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                                                            <title><![CDATA[ 9 Easy Home Hardening Projects That Also Save on Insurance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/easy-weatherproofing-projects-that-prevent-damage-and-save-on-insurance</link>
                                                                            <description>
                            <![CDATA[ These small projects can protect your home from the elements and might lower your home insurance premium. ]]>
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                                                                        <pubDate>Fri, 18 Apr 2025 20:47:32 +0000</pubDate>                                                                                                                                <updated>Wed, 18 Mar 2026 14:37:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WTeeq2rMoqkkuado6rBJ4W-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple cleaning the gutters of their home]]></media:description>                                                            <media:text><![CDATA[A couple cleaning the gutters of their home]]></media:text>
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                                                            <title><![CDATA[ What Claims Adjusters Are Thinking vs What They're Saying ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/what-claims-adjusters-are-thinking-vs-what-theyre-saying</link>
                                                                            <description>
                            <![CDATA[ After a natural disaster, few of us are at our best, but here's what to keep in mind when you're interacting with your insurance company's claims adjuster. ]]>
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                                                                        <pubDate>Fri, 18 Apr 2025 09:35:00 +0000</pubDate>                                                                                                                                <updated>Fri, 18 Apr 2025 16:12:38 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bx9q3TsCAZtmJLZLy4UCnj-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[An insurance claims adjuster and a homeowner check out a damaged ceiling. ]]></media:description>                                                            <media:text><![CDATA[An insurance claims adjuster and a homeowner check out a damaged ceiling. ]]></media:text>
                                <media:title type="plain"><![CDATA[An insurance claims adjuster and a homeowner check out a damaged ceiling. ]]></media:title>
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                                                            <title><![CDATA[ 6 Common Home Disasters Your Insurance Probably Won’t Cover ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/youre-probably-not-covered-for-these-6-common-home-disasters</link>
                                                                            <description>
                            <![CDATA[ Home insurance doesn’t cover everything. Learn which disasters require extra coverage — and how to protect your home before it’s too late. ]]>
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                                                                        <pubDate>Thu, 17 Apr 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Wed, 01 Oct 2025 17:32:16 +0000</updated>
                                                                                                                                            <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jacob Wolinsky ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/k3eVoXD5nxm2KMdsaYxRDe-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Barefoot man in flooded space lifting a wet cardboard box out of the water. ]]></media:description>                                                            <media:text><![CDATA[Barefoot man in flooded space lifting a wet cardboard box out of the water. ]]></media:text>
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                                                            <title><![CDATA[ Should You Get Earthquake Insurance? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/should-you-get-earthquake-insurance</link>
                                                                            <description>
                            <![CDATA[ Your home insurance doesn’t cover earthquakes, but paying extra for earthquake insurance isn’t just for Californians. ]]>
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                                                                        <pubDate>Wed, 16 Apr 2025 21:18:45 +0000</pubDate>                                                                                                                                <updated>Tue, 09 Sep 2025 18:12:15 +0000</updated>
                                                                                                                                            <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rachael Green ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/m8UC8EimPguQDZKWiAB4G3-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A damaged house standing among rubble after an earthquake.]]></media:description>                                                            <media:text><![CDATA[A damaged house standing among rubble after an earthquake.]]></media:text>
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                                                            <title><![CDATA[ Should You Hire a Public Adjuster for Your Insurance Claim? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/should-you-hire-a-public-adjuster-for-your-insurance-claim</link>
                                                                            <description>
                            <![CDATA[ As natural disasters strike more often, insurance clients are asking, 'What should I do, or who should I hire, if my insurance company is jerking me around?' ]]>
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                                                                        <pubDate>Tue, 15 Apr 2025 09:45:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
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                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ H. Dennis Beaver, Esq. ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/CguttpDa5N8zPQFWXmTwaN-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A frustrated-looking man looks at paperwork while sitting on his sofa.]]></media:description>                                                            <media:text><![CDATA[A frustrated-looking man looks at paperwork while sitting on his sofa.]]></media:text>
                                <media:title type="plain"><![CDATA[A frustrated-looking man looks at paperwork while sitting on his sofa.]]></media:title>
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                                                            <title><![CDATA[ Home Insurance: How to Cut Costs Without Losing Coverage ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance-how-to-cut-costs-without-losing-coverage</link>
                                                                            <description>
                            <![CDATA[ Natural disasters are causing home insurance premiums to soar, but don't risk dropping your coverage completely when there are ways to keep costs down. ]]>
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                                                                        <pubDate>Fri, 11 Apr 2025 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Jared Elson, Investment Adviser ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/e8hVB6xbRq2jDrmTxkZg2V-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A businesswoman tents her hands over the top of a plastic house that sits atop an insurance form.]]></media:description>                                                            <media:text><![CDATA[A businesswoman tents her hands over the top of a plastic house that sits atop an insurance form.]]></media:text>
                                <media:title type="plain"><![CDATA[A businesswoman tents her hands over the top of a plastic house that sits atop an insurance form.]]></media:title>
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                                                            <title><![CDATA[ Why Homeowners Insurance Has Gotten So Very Expensive ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/why-homeowners-insurance-has-gotten-so-very-expensive</link>
                                                                            <description>
                            <![CDATA[ The home insurance industry is seeing more frequent and bigger claims because of weather, wildfires and other natural disasters. ]]>
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                                                                        <pubDate>Fri, 11 Apr 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
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                                                    <category><![CDATA[Wealth Creation]]></category>
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                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/j6BNSqE2jxENAyy27G3SuU-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Hundred-dollar bills folded in the shape of a house.]]></media:description>                                                            <media:text><![CDATA[Hundred-dollar bills folded in the shape of a house.]]></media:text>
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                                                            <title><![CDATA[ Should You Get Home or Car Insurance Through Costco? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/should-you-get-auto-or-home-insurance-through-costco</link>
                                                                            <description>
                            <![CDATA[ Costco car and home insurance policies offer many perks for Costco members, including discounts and extra coverage options for more protection. ]]>
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                                                                        <pubDate>Thu, 10 Apr 2025 20:50:11 +0000</pubDate>                                                                                                                                <updated>Wed, 08 Apr 2026 22:16:27 +0000</updated>
                                                                                                                                            <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YhqABFwcpUuQ783dDArrNg-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Cars parked in the parking lot outside Costco Wholesale in Spanish Fork, Utah]]></media:description>                                                            <media:text><![CDATA[Cars parked in the parking lot outside Costco Wholesale in Spanish Fork, Utah]]></media:text>
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                                                            <title><![CDATA[ How to Lower Home Insurance Rates When Climate Change Increases Costs  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/how-to-lower-home-insurance-rates-when-climate-change-increases-costs</link>
                                                                            <description>
                            <![CDATA[ A top insurer warns the damage climate change causes is making it cost-prohibitive for insurers in some areas. Learn how to protect your home and lower costs. ]]>
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                                                                        <pubDate>Wed, 09 Apr 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 29 Apr 2025 14:29:37 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9WvWnv2S7gNHQx5pJ3hd8N-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Image of a house sitting on a life raft in a flood]]></media:description>                                                            <media:text><![CDATA[Image of a house sitting on a life raft in a flood]]></media:text>
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                                                            <title><![CDATA[ Four Things You Can Do If Your Home Insurance Is Canceled or Not Renewed ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-insurance/four-things-you-can-do-if-your-home-insurance-is-canceled-or-not-renewed</link>
                                                                            <description>
                            <![CDATA[ Having your home insurance policy canceled can be frustrating — especially in high-risk areas. Here's how to understand your nonrenewal notice, shop for new coverage, and avoid costly forced-placed insurance. ]]>
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                                                                        <pubDate>Fri, 04 Apr 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Thu, 29 May 2025 13:40:34 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Ben Luthi ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/o4gQ7eyBGbZVJgaiPUKRtD-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Woman drinking tea sitting at a laptop]]></media:description>                                                            <media:text><![CDATA[Woman drinking tea sitting at a laptop]]></media:text>
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                                                            <title><![CDATA[ How to Balance Your Insurance Expectations vs the Reality ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-to-balance-your-insurance-expectations-vs-the-reality</link>
                                                                            <description>
                            <![CDATA[ Just because you have an insurance policy doesn't mean that you're totally covered in the event something bad happens. ]]>
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                                                                        <pubDate>Fri, 04 Apr 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Tue, 08 Apr 2025 14:25:06 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yWSrWFEbacbhoDaRwkgQQP-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A big ball and a smaller ball balanced on a scale being held up by one finger.]]></media:description>                                                            <media:text><![CDATA[A big ball and a smaller ball balanced on a scale being held up by one finger.]]></media:text>
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                                                            <title><![CDATA[ These 8 States Have the Most Expensive Home Insurance in 2026 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/insurance/eight-states-with-the-most-expensive-home-insurance</link>
                                                                            <description>
                            <![CDATA[ If you live in one of these eight states, you're probably paying $1,000 or more above the national average for home insurance. ]]>
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                                                                        <pubDate>Fri, 28 Mar 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 27 Jan 2026 21:10:59 +0000</updated>
                                                                                                                                            <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Home Savings]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rachael Green ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ABYqyt5ViuU6sM5FGxmKPJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Storm clouds gather over a well-kept neighborhood.]]></media:description>                                                            <media:text><![CDATA[Storm clouds gather over a well-kept neighborhood.]]></media:text>
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                                                            <title><![CDATA[ Five Things That Are Spiking Your Insurance Premium ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/five-things-spiking-your-insurance-premium</link>
                                                                            <description>
                            <![CDATA[ It's a drag, but just as your expenses keep rising, so does the cost of doing business as an insurance company. That means higher premiums. ]]>
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                                                                        <pubDate>Fri, 21 Mar 2025 09:40:10 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Home Insurance]]></category>
                                                    <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ Questions@InsuranceHour.com (Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS) ]]></author>                    <dc:creator><![CDATA[ Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/auV8dArHuEqFWZEmTmcP69-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man looks shocked as he looks at a bill while sitting on the sofa.]]></media:description>                                                            <media:text><![CDATA[A man looks shocked as he looks at a bill while sitting on the sofa.]]></media:text>
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