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When you purchase a business insurance policy, it's your hope that you never need to make use of it, but you can't control something as random as a natural disaster. Mother Nature doesn't give much, if any, warning about floods, heavy storms, earthquakes, tornadoes, hail storms and lightning. READ MORE >>

What many homeowners do not realize is that flood coverage is not included in a standard home insurance policy. You will need to either add this coverage onto your policy or purchase separate flood insurance. But is it really necessary? You may think that you don't need flood coverage if you don't live near a body of water or in a flood zone. READ MORE >>

Many part-time campers can obtain RV insurance that is very inexpensive. Sometimes the price of a premium for them can be so low that it seems more comparable to motorcycle insurance than auto insurance. Those rates are based on the fact that the RV will be parked on your property or on a storage lot most of the year. READ MORE >>

What happens when someone is hurt on your property? The injured person might decide to file a lawsuit against you. It's also possible that he or she will send you his doctor bills; and if you pay them, that could be the end of it. But what if you don't have the extra cash to pay someone else's medical expenses? READ MORE >>

Traditionally, life insurance has always been defined as a tool to provide a lump sum amount to the heirs and relatives of a deceased person to cover the financial loss caused by death. However, life insurance has taken a broader meaning over the years and now includes a variety of insurance, sav... READ MORE >>

Driving a car in winter conditions is difficult. It requires specialized skills and a lot of concentration. Because many teens get their driving lessons and licenses when road conditions are ideal, they must figure out for themselves how to drive during the winter. Don't let difficult experiences be their teacher. READ MORE >>

One of the perks of renting a house, condo or apartment is the fact that you don't have to be responsible for too much. Most renters think as long as the rent is paid and you take reasonably good care of the property, life is good. But there's one other thing you need to be responsible for and that's renters insurance. READ MORE >>

Imagine a group of children playing on the swing set in your backyard. One of the kids falls off and is seriously hurt. Her parents sue you, claiming the swing set is defective, and they are seeking $1 million in damages. An accident like this can happen in the blink of an eye, and it can happen to anyone. READ MORE >>

Cold and flu season is just around the corner, and once again, children and adults alike will battle it out with the cold and flu viruses. Instead of suffering this season, why not take preventative steps to protect yourself? Here are five measures for staying healthy. Avoid Stress and Get Plenty of Sleep READ MORE >>

There are fewer motorcycle accidents than there are car accidents, simply because there are fewer motorcycles on the road. But don't be fooled by the numbers! Motorcycles are very risky, since they don't have walls, airbags and other safety features found in cars. READ MORE >>

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