Jumana Makel
Senior Insurance Editor
Jumana Makel leads insurance coverage at FinancerGuide. She specializes in explaining the fine print of US insurance products — from Medicare Part D to umbrella policies — and helping readers pick coverage that actually pays out when they need it. Jumana has spent more than a decade reading policy contracts so you don't have to.
Areas of expertise
Articles by Jumana
Umbrella Insurance: Who Actually Needs $1M+ Coverage in 2026
Umbrella insurance sits above your home and auto policies to protect against major lawsuits. We break down who actually needs $1M+ coverage and when it's worth the cost.
Is Pet Insurance Worth It? 2026 Claim Data & Real Costs
Pet insurance costs $20–$65/month but covers 70–90% of veterinary bills. We analyze 2026 claim data to show whether pet insurance actually saves money for dogs and cats.
Renters Insurance Coverage: What's Covered & What Isn't
Renters insurance protects your personal belongings and covers liability if someone gets injured in your apartment. Discover exactly what's covered, what's excluded, and how much you should pay for peace of mind.
Disability Insurance vs Workers Comp: Key Differences
Disability insurance and workers compensation both protect your income, but they work differently. Learn which one covers you, how much they pay, and what gaps exist in your coverage.
Short-Term Health Insurance: Costs, Pros & Cons
Short-term health insurance offers temporary coverage at a fraction of ACA plan costs—but it comes with major coverage gaps. We break down real 2026 pricing, pros, cons, and who should actually buy it.
Long-Term Care Insurance: Is It Worth the Premium?
Long-term care insurance premiums have doubled in 10 years, but so have care costs. Learn whether it makes financial sense for your situation with real 2026 data.
Replacement Cost vs Actual Cash Value: Homeowners Insurance Guide
Choosing between replacement cost and actual cash value coverage can save or cost you thousands after a home loss. We break down both options with real-world examples.
ACA Subsidies 2026: Qualify & Save on Health Insurance
ACA subsidies can slash your health insurance premiums by hundreds of dollars monthly. Discover exact 2026 income limits, how to qualify, and real savings examples.
Best Life Insurance Companies for Seniors Over 60
Finding affordable life insurance after 60 is challenging but possible. We reviewed the best insurers for seniors, comparing rates, medical underwriting, and coverage types to help you protect your family.
Full Coverage vs Liability Insurance: Which Do You Need?
Full coverage and liability insurance serve different purposes. Liability is legally required; full coverage protects your car. We break down costs, coverage limits, and help you decide which you actually need.
SR-22 Insurance Explained: Cost, Requirements & How to Get It
An SR-22 is a document proving you have auto insurance required by courts or your state. Learn what triggers the need, real costs in 2026, and how to get one fast.
Medicare Advantage vs Medigap: Which Plan Saves You Money?
Choosing between Medicare Advantage and Medigap can save or cost you thousands annually. We break down coverage differences, out-of-pocket costs, and which plan fits your situation.