Should I purchase an umbrella liability policy? If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney's fees, up to a limit set in…
What is covered by standard homeowners insurance? Understanding the four essential protections provided by your homeowners policy Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: Coverage…
What to do at the scene of an accident In the aftermath of a crash, know the right actions to take No one wants to get into a car crash. But being prepared and knowing what to do if you…
How often should I review my insurance policy? There are four events that should trigger a review of your policy: 1. When your policy comes up for renewal Don’t just automatically send a check to your insurance company. Take the…
Do I need flood insurance for my home? Don't risk being underwater—understand how flood insurance works Standard homeowners and renters insurance does not cover flood damage. Find out if you need flood insurance and learn where to get it. Your…
Understanding crop insurance Crop insurance is purchased by agricultural producers, including farmers, ranchers and others to protect against either the loss of their crops due to natural disasters, or the loss of revenue due to declines in the prices of…
What determines the cost of my auto insurance? Auto insurance premiums are calculated using a many factors—and some insurers give more weight to some factors than others. The cost of an auto insurance policy is generally determined by the amount…
Christmas Trees and Lights Brighten the Holiday Season but Beware the Danger of Fire Nearly half of all Christmas tree fires between 2007 and 2011 were caused by either an electrical malfunction (32 percent) or because a branch was too…
Covering losses with business interruption insurance Standard property insurance covers physical damage and losses—furniture destroyed in a fire, a storm-damaged office building or stolen equipment. This coverage can help you pay the costs of rebuilding or replacing damaged property. But…
Disaster planning for older adults A preparedness guide for seniors and caretakers Many seniors live alone and may have special needs or limited physical mobility, which makes them more vulnerable than younger people when there is disaster. Therefore, it’s all…
