You buy homeowners insurance to protect your home from damage or loss due to fire, theft, vandalism and more. But without certain important coverages, your policy could leave you short of the funds needed to rebuild and recover. Continue reading “The Property Risks You Might Have Overlooked”
In 2006, a record 9.8 million acres burned in wildfires. Will this year’s droughts make 2015 another record-breaker?
As of May 6, 2014, half of the United States was experiencing some level of drought. Nearly 15 percent of the nation was gripped by extreme to exceptional drought, according to NASA. Continue reading “Wild Fires”
When events interfere and make travel planned in advance difficult or impossible, travel insurance can protect your investment.
Families in the South who booked their summer vacations months in advance hardly expected that snow…of all things…might cause them to have to change their plans. Since unusually cold and snowy winter weather in many parts of the U.S. forced school districts to cancel classes, Continue reading “When Life Interferes with Fun: Travel Insurance to the Rescue”
Too much stuff? Almost 9 percent of American households rented a self-storage unit in 2012, up from 6 percent in 1995. Before joining them, be aware that you, as the lessee, remain responsible for loss or damage to everything in your unit, unless your rental agreement specifies otherwise. Continue reading “Covering Your Property in Storage”
Home rental clearinghouses such as Airbnb and VRBO make it easy for homeowners to rent out a spare bedroom or a second home when they aren’t using it. This might sound like a good way to earn extra money. Before diving in, consider the risks and your insurance coverage. Continue reading “Renting Out That Extra Room: Know Your Risks”
Should you worry about the content of your teen’s tweets or your spouse’s Pinterest posts? All it takes is for one tweet to veer away from commentary to defamation, or one image to invade another’s privacy, and you could face a lawsuit.
With the recession of the past few years, many individuals’ credit scores have taken a hit. In addition to affecting your ability to get a mortgage, loan or credit card, your credit score can also affect how much you’ll pay for your insurance. Continue reading “How Your Credit Score Affects Your Insurance Costs”
The Insurance Information Institute (III) reported that dog bite claims cost an average of $24,461 in 2008 (the most recent figures available). If you own one or more dogs, do you have the insurance coverage to protect you from dog bite liability? Continue reading “Protecting Your Family from Dog Bite Liability”
Carbon monoxide poisoning causes an estimated 15,200 people to visit an emergency room or miss at least one day of work per year. But because carbon monoxide exposure creates nonspecific effects that are easily misdiagnosed, the actual toll of carbon monoxide poisoning is probably much higher. Continue reading “Protect Yourself from Carbon Monoxide Poisoning”
Personal risk management includes knowing your policies and what they cover. The following article will help you understand the various parts of your personal auto policy (PAP) and what to look for.
When you buy auto insurance, you enter into a legal contract with your insurer. Continue reading “Auto Insurance: How to Know What You Are Buying”