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Personal Insurance

• Are Fireworks Covered?   |   July 06, 2009
  One rite of summer is to enjoy fireworks. However, it's important to think before setting off your first firecracker, sparkler, smoke-bomb or bottle rocket. For all their fun, fireworks are capable of seriously injuring persons and property. If you do cause damage, are you insured?   read more
• Insuring Jewelry   |   June 30, 2009
  Most homeowner policies provide very limited coverage for jewelry. The reason for this is that jewelry is high-valued (especially in relation to its size), is easily lost or destroyed and is vulnerable to theft (as well as fraud). If you only own a modest amount of jewelry (say just a few hundred dollars), perhaps the limited coverage provided by a basic policy is adequate. However, when high values are involved, consider buying special insurance coverage.  read more
• Controlling Car In$urance   |   June 30, 2009
  There are ways to address rising car insurance costs. First, gather your insurance records and any other car-related information. Next, determine if circumstances have changed since you last dealt with your coverage. Once this information is handy, call your agent and discuss relevant items such as:  read more
• Can I Afford My New Driver?   |   June 30, 2009
  Young drivers are expensive to insure. Such drivers, particularly teenagers, cause a high amount of traffic accidents because of their lack of experience and the fact that, due to their youth, they tend to be distracted drivers who also like to take risks. If your household is about to add a new driver, make sure that he or she understands that poor driving habits can result in higher premiums or a canceled policy.  read more
• In-home Businesses   |   June 30, 2009
  Homeowner (HO) policies aren't meant to insure in-home businesses. HO premiums assume that coverage is for a residence and related structures. Therefore no liability coverage is available for business activities such as customers who slip and fall on your premises, damage to business property (owned or in your control), injury caused by things you make (products liability), or damage due to services that you promote or provide. It is also unlikely that an insurer would provide a legal defense against business related claims.  read more