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Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

Farran Powell is the managing editor of investing at Forbes Advisor. She was previously the assistant managing editor of investing at U.S. News & World Report. Her work has appeared in numerous ...

Joshua Howe, Content Manager Brandon DuBreuil has ensured that facts presented were obtained from reliable sources and are accurate. Fact checked by: Brandon DuBreuil, Head of Covers Brandon DuBreuil ...