Rob Bhatt

Rob Bhatt

Insurance Producer, Content Writer

Rob Bhatt is a licensed insurance agent with experience working for major insurance companies in Washington state. Prior to getting his insurance license, he was a writer and editor for regional publications in California, Nevada and Washington, and won awards for business and news reporting. The UC Berkeley graduate lives in Seattle and joined the QuoteWizard team in 2021.

Articles By Rob

How Much Life Insurance Do I Need?

The right amount of life insurance can provide your dependents with financial security in the event of the unthinkable.

No Medical Exam Life Insurance

It is possible to get life insurance without a medical exam for certain policies. Is no exam coverage right for you?

Health Insurance Rate Factors

The ACA limits what health insurance companies can use to set your premium. Here's how this affects your rates.

Renters Insurance Rate Factors

The factors that affect your renters insurance rates include some things you can control and others that you can't.

How Much Renters Insurance Do I Need to Buy?

Key tips for getting the right amount of renters insurance for your personal property, liability and other covered needs.

Is Renters Insurance Worth It?

Affordable rates and valuable coverages often make renters insurance a good deal, even when it's not required.

What Doesn’t Renters Insurance Cover?

Renters insurance covers many things, but not everything. Here's what it doesn't cover, and what you can do about it.

Renters Insurance with Roommates

You can often add a roommate to your renters insurance, but in most cases, you're better off with separate policies.

How to Cancel Your Renters Insurance Policy

Canceling renters insurance is easy, but doing it wrong can be costly. Here's what you need to know to get it right.

Actual Cash Value vs. Replacement Cost Renters Insurance

How the type of renters insurance coverage you choose affects your rates and the amount you may receive in a claim.

What is Rental Liability Insurance and Why Do I Need It?

The liability coverage in renters insurance pays for injuries or damage you cause. Increasing your coverage is cheap.

Understanding Renters Insurance Deductibles

Your renters insurance deductible can impact your wallet in important ways. Discover how it works and why it matters.

What If I Can't Get Home Insurance?

If you are unable to get homeowners insurance for a high-risk home, follow these steps to find the coverage you need.

What to Do if Your Homeowners Insurance Claim is Denied

If your insurance company refuses to pay for damage to your home, here's how to make it honor its contractual duties.

How Trampolines Affect Home Insurance

Trampolines are not automatically covered by home insurance. Check your policy before you install one in your yard.

Homeowners Insurance Dog Breed Restrictions

Insurance company restrictions on certain dog breeds can make it hard, but not impossible, to get home coverage.

Best Mobile Home Insurance in California

Discover key details about the best mobile home insurance companies in California and how to get the cheapest rate.

Louisiana’s Best Mobile Home Insurance

Shopping for insurance for a mobile or manufactured home in Louisiana? Here’s the info you need to get it right.

Condo HO6 Insurance in Florida

The vitals on insuring your Florida condo with an HO-6 policy, including how much it costs and how much you need.

Florida Mobile Home Insurance Basics

Insuring a mobile home in Florida can be challenging. Here are key things you should know to find the right coverage.

How Much Does Flood Insurance Cost? Averages by State and Zone

The average cost of flood insurance through the NFIP is $771 per year, but the amount you pay depends on your location.

Sinkhole Insurance Coverage

Homeowners insurance does not automatically cover sinkholes. Here's how to protect against this hidden threat.

Is Sewer Line Repair Covered by Insurance?

Standard home insurance for sewer messes is extremely limited, but a couple of inexpensive riders can fill the gaps.

How Does Homeowners Insurance Work?

Everything you need to know to get the right amounts of coverage for your home without overpaying for insurance.

Flood Insurance in New Jersey

Vital details about flood insurance in New Jersey, including how much it costs, what it does and where to get it.

Do I Need Flood Insurance Coverage?

Flood insurance is required on some homes and optional for others. Here is key info to help you decide if you need it.

Does Homeowners Insurance Cover Mold?

Home insurance typically only covers mold, mildew and other rot on a rare, limited basis. Prevention is your best bet.

How to Calculate Your Home's Replacement Cost

An accurate estimate of your home's replacement cost is key to getting the right amount of homeowners insurance.

Condo Insurance Essentials

When you own a condo unit, you usually need HO-6 insurance. Here are key details about how these policies work.

Homeowners Insurance for Airbnb

Updating your insurance coverage is an important step in getting your home ready for a sharing service like Airbnb.

How to Create a Home Inventory for Insurance

Having an itemized list of your home's contents ready ahead of time can get you paid sooner for an insurance claim.

A Guide to Canceling Your Home Insurance

Canceling your homeowners insurance is not difficult, but doing it wrong can be costly. Here's how to avoid mistakes.

Insurance for Electric Cars

As interest in electric vehicles continues to surge, insurance rates don’t have to be a barrier to embracing their new technology.

Penalties for Driving Without Insurance

Driving without insurance can get you a fine, suspended license or worse. An accident could devastate your finances.

Car Repair Insurance: Is It Worth It?

Car repair insurance can spare you from a big auto repair bill. But it's not the only choice for getting this protection.

Cheapest Car Insurance Companies (2023)

Erie, USAA and State Farm offer the cheapest car insurance for most drivers. Here's what you need to know to save.

How Do I Fight My Auto Insurer on a Totaled Car Payout?

If the insurance company offers a low settlement for your totaled car, here's how to get your payout right.

Best Car Insurance for Military Veterans (2023)

Your guide to auto insurance companies that cater to the military community with low rates and customized services.

Insurance Discounts for Multiple Cars

Multicar discounts allow you to save by putting all the cars in your home on the same policy, instead of separate ones.

How Do I Switch My Car Insurance Company?

If you want a better rate or have new needs, changing your car insurance company is easier than you may think.

How to Buy Online Car Insurance

Online car insurance can be confusing. Here's how to use the different sites out there to get affordable coverage fast.

The Cost of Car Insurance for 17-Year-Olds (2023)

Car insurance for 17-year-olds is expensive. Fortunately, there are ways to shave hundreds of dollars off your rate.

What is Non-Standard Auto Insurance?

If you have a few dings on your record, non-standard car insurance can put you on the path to lower future rates.

Car Insurance for New Drivers (2022)

Auto insurance costs more for those with no prior driving experience, but these tips can help new drivers save money.

The Cost of Teen Car Insurance (2023)

Car insurance for young drivers is expensive. Here's a look at how much it costs and what you can do to save money.

How to File a Car Insurance Claim

A car insurance claim can get you back to normal. Here's what to know before you contact the insurance company.

How to Insure Cars with Salvage or Rebuilt Titles

Getting car insurance for a vehicle with a salvage or rebuilt title can be tricky, but not impossible. Here’s how to do it.

How to Prevent Car Theft

Auto theft is a rampant problem. Here's how to prevent your car from being stolen, and protect your finances if it is.

How Long Does an Accident Affect Your Car Insurance Rate?

A car accident usually affects your insurance rates for three years. Here are steps you can take to save before then.

How Proof of Auto Insurance Works

It’s easy to misplace your car’s proof of insurance documents. Here’s why you should always know where they are.

Is Your Child Covered Under Your Auto Insurance?

It's usually better to add your child to your car insurance than it is for them to get their own policy. Here's why.

What is Personal Injury Protection (PIP)?

PIP insurance covers injuries to you and your passengers in a car accident, regardless of fault. Here's how it works.

How To Get Car Insurance For the First Time

The details you need to get your first car insurance policy, including how to shop and the questions you'll be asked.

Stacked vs. Unstacked Car Insurance

Stacking your car insurance can be an easy way to bump up your protection from the uninsured and underinsured.

What is a Car Insurance Declaration Page?

Your declaration page summarizes the key points of your auto insurance policy. Keep it in an easy-to-find place.

What Is a Loss Payee?

An entity with a financial stake in your vehicle will usually require you to list it as a loss payee on your car insurance.

Car Insurance for Driving in Mexico

American auto insurance does not cover you in Mexico. Here's how to get Mexican insurance, and how much it costs.

What Happens if You’re in a Car Accident with No Insurance?

Getting into a car accident without insurance can be extremely expensive. Brace yourself for what you need to know.

Do You Need Insurance to Register a Car?

In most states, you need insurance to register a car. Here are more reasons to insure your car before you register it.

Car Insurance and Moving to a New State

You need to get a new car insurance policy when you move to a new state. Here are tips to streamline the process.

How to Cancel a Car Insurance Policy

The top things to know about canceling your car insurance to switch carriers, move or sell your car, or any other reason.

What Is Collision Car Insurance? Should I Get It?

Collision insurance is optional auto coverage that pays to fix your car. Here's how it works and when you should get it.

Key Things to Know About No-Fault Car Insurance

No-fault car insurance is mandatory in some states and optional in others. Here’s how it works.

What is Non-Owner Car Insurance?

If you don’t own a car but frequently borrow or rent vehicles, a non-owner policy may provide the insurance you need.

6 Types of Car Insurance

Understanding how the different types of car insurance work is essential to making sure you get the right coverage.