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Protect Yourself from Volunteer Liability

December 8, 2014 by Leave a Comment

Insurance for volunteers

The Bureau of Labor Statistics reports that Americans age 16 and older donated a median of 50 hours annually to volunteer activities in 2013. Most people volunteer because they believe in a cause, want to help others or want to improve their community. Although volunteering might feel good, it’s not always risk-free. Here’s how to...
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Filed Under: Homeowners Insurance Information   •  Personal Liability   •  Personal Lines

Renters Need Insurance Too

December 4, 2014 by Leave a Comment

save with renters insurance

Many renters aren’t even aware that they need their own insurance, mistakenly believing that their landlord’s policy covers them. Your landlord’s policy will cover the building itself from damage or loss. But if your home is burglarized or destroyed by fire, your landlord’s policy provides no protection for your personal possessions. Renters insurance is inexpensive...
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Filed Under: Homeowners Insurance Information   •  Personal Lines   •  Renters Insurance

How To Insure Your Home-Based Business

September 21, 2014 by Leave a Comment

Home Based Business

About 46 percent of self-employed workers conduct their business from home, according to the U.S. Bureau of Labor Statistics. If you have a home-based business, you have special insurance needs. The broader availability of wideband or wireless Internet access and faster, cheaper computers have made working at home an increasingly viable possibility for millions of...
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Filed Under: Homeowners Insurance Information   •  Personal Lines

How To Protect Yourself from Dog Bite Liability Claims

September 20, 2014 by Leave a Comment

Dog Bite Liability Claims

The Insurance Information Institute (III) reported that dog bite liability claims cost an average of $27,862 in 2013. If you own one or more dogs, do you have the insurance coverage to protect you from dog bite liability? He may be man’s best friend, but dog bites account for one-third of all homeowners insurance liability...
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Filed Under: Homeowners Insurance Information   •  Most Popular   •  Personal Lines

Cash Value vs. Replacement Cost Home Insurance

September 19, 2014 by Leave a Comment

Cash Value or Replacement Cost

Do you know the difference between “actual cash value” and “replacement cost” coverage? The difference has a significant effect on how much your insurer will pay out after a loss to your home. Suppose a tree falls on your house, causing severe damage to your kitchen. Your kitchen appliances are 10 years old. New appliances...
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Filed Under: Homeowners Insurance Information   •  Personal Insurance Basics   •  Personal Lines

Insurance for Gun Owners

September 8, 2014 by Leave a Comment

Gun Owner Insurance

In March 2013, Rep. Carolyn Maloney (D-NY) and eight cosponsors introduced the “Firearm Risk Protection Act” (H.R. 1369), the first nationwide bill to require gun buyers to have liability insurance. If you own a gun, do you need additional coverage? H.R. 1369 stalled in Congress. If passed, it would have imposed a fine of $10,000...
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Filed Under: Homeowners Insurance Information   •  Personal Lines   •  Specialized Personal Insurance Policies   •  Umbrella Insurance

Do You Need Workers Compensation for Household Contractors?

September 6, 2014 by Leave a Comment

Every day, an estimated 2.5 million individuals—mostly women—work in others’ homes, cleaning, cooking and caring for children and the elderly. Although many people treat them as independent contractors, the IRS and workers’ compensation laws may consider these domestic workers “household employees.” If they are injured while working for you, you may be liable for lost-time...
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Filed Under: Homeowners Insurance Information   •  Personal Insurance Basics   •  Personal Lines   •  Recommended Articles

Insuring Your College Student’s Belongings

July 13, 2014 by Leave a Comment

Insurance For College Students

If you are sending your child off to college this fall, you probably realize that your life is about to change. You might not realize that your insurance needs change as well. Here’s what you need to know about insuring your college student’s belongings. Take a peek inside a typical college student’s room: you’ll probably...
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Filed Under: Homeowners Insurance Information   •  Personal Insurance Basics   •  Personal Lines

Increased Construction Costs and Homeowners Insurance

July 6, 2014 by Leave a Comment

Homeowners Insurance

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. The Problem of Increased Construction Costs Smart consumers usually will pay a bit extra to buy replacement...
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Filed Under: Homeowners Insurance Information   •  Personal Lines   •  Top Personal Insurance Stories

Nine Ways to Save on Homeowners Insurance

July 6, 2014 by Leave a Comment

Homeowners Insurance Savings

For most Americans, their home represents security, as well as their biggest financial asset. The cost of insuring a home averaged $1000 in 2013, reported the Insurance Information Institute. What you pay could vary greatly from the average, depending on the value of your home and its contents and various risk factors. However, no matter...
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Filed Under: Homeowners Insurance Information   •  Most Popular   •  Personal Lines

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