Fallen Tree Damage? Who Pays?
As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor’s home or other insured structure, such as a garage or shed? In most cases, the answer is
Gun Ownership and Your Homeowners Policy
If you own a gun, you need to consider whether you are covered in the event the gun is stolen or destroyed and protected against any potential liability should your firearm cause an injury. Gun ownership is
Does Your Credit Score Affect Your Insurance Rates?
One landmark study found that credit-based insurance scores are used by about 95 percent of all auto and home insurers in calculating the cost of insurance to individuals.¹ While the vast majority of insurance companies use credit-based
Consider Keeping Your Life Insurance When You Retire
Do you need a life insurance policy in retirement? One school of thought questions this decision. Perhaps your kids have grown, and the need to help protect the household against the loss of an income-earner has passed. If
Dog Bites Neighbor. Now What?
In 2020, there were 16,991 dog bite claims nationwide totaling aggregate damages of about $854 million, according to the Insurance Information Institute.1 For most homeowners (and renters), a standard policy generally covers any legal liability that may
Insuring Your Business Against Cyber Liability
According to one study done by the US Small Business Administration, 88% of small business owners feel their business is vulnerable to a cyber attack. These concerns may be well-founded: according to another study, 61% of all
Protecting Your Home Against Flood Loss
In 2019, the average flood claim payout from the National Flood Insurance Program was $52,000.1 The financial loss that comes with flooding can be devastating. Yet, many Americans are not protected against flood damages, primarily because flooding
A Home Insurance Claim: To File Or Not To File
Insurance is meant to protect you against financial loss. But is it really meant to protect you from any and all financial loss? When it comes to filing a loss claim on your home insurance, there may
What You Should Do About Insurance Following a Divorce
Divorce can be an emotionally and financially challenging life event. In the face of the many possible adjustments divorce entails, making changes to insurance coverage may be overlooked. Here's a look at each type of coverage: Auto
Gap Insurance for Leased Cars
One of the attractions of leasing a car is that it generally requires a much smaller upfront outlay of cash compared to what purchasing a car might require. This preference to minimize an upfront cash payment may
