According to a recent survey, 60% of Americans do not periodically review their policy–they wait until filing a claim.Source: National Association of Insurance Commissioners, 2009

What’s covered by my homeowners policy? How much liability insurance do I need? What’s the best way to take an inventory of my home?

Our newsletter articles are designed to provide helpful information on a wide range of timely topics. Simply click on one of the headlines below and the full article will appear. And keep checking month after month. You never know what story may address your individual situation.

  • April

  • Japanese Disaster Raises Insurance Concerns at Home

    Despite the potential for widespread property damage from earthquakes and tsunamis, few homeowners would be protected financially because damage from these disasters is excluded from standard insurance policies. Have you considered whether you have the appropriate supplemental coverage based on the location of your property?

  • Dumb Things Teens Might Do While Driving

    Parents especially will want to read about the dangerous activities that teen drivers often engage in, related insurance issues, and how they can influence good driving behavior and keep kids safer on the road.

  • February

  • Put Together a Home Evacuation Plan

    Because it’s impossible to predict when a weather-related catastrophe may occur in your area, it is important to have not only the appropriate insurance protection but also a well-thought-out plan for a speedy departure.

  • Tips for Safe Winter Driving

    Taking a cautious approach on the roads could help protect you and your family from having an accident and having to file an insurance claim for extensive repairs.

  • January

  • Safeguard Your Cherished Possessions

    Most homeowners, condominium, and renters policies have limited coverage for expensive jewelry, fine art and antiques, camera and computer equipment, musical instruments, and other valuables. A Scheduled Personal Property, or SPP, endorsement will typically provide enhanced coverage for damage or loss of valuable items with little or no deductible.

  • Are You Playing Cell Phone Jeopardy in Your Car?

    In a recent survey, 70% of drivers admitted they had conversations on their cell phones and 24% admitted to reading or sending text messages while driving in the previous month. Read about some legal issues related to cell phone use and tips on how to avoid behavior that could reduce your level of awareness and potentially your driving performance.

  • November

  • Are You Covered Behind the Wheel of a Rented Car?

    Many drivers who have existing auto insurance aren’t sure whether they need to purchase additional coverage from a rental car company. Investigating which benefits are included with your existing insurance policies and credit-card accounts prior to booking a rental may save you a significant amount of money and avoid surprises.

  • Defending Your Home from Winter’s Wrath

    Winter weather and storms can wreak havoc on homes and account for a large number of insurance claims each year. Taking a few preventative measures could help protect your home from major problems often caused by heavy snow, wind, and freezing temperatures, as well as fires during the winter months.

  • October

  • Why You Need Uninsured Motorist Coverage

    Although uninsured and underinsured motorist coverage is optional in many states, it could come to the rescue if someone in your family is injured in an auto accident caused by a driver without insurance.

  • Is It Time to Upgrade Your Homeowners Insurance?

    According to one survey, almost two-thirds of U.S. homes are underinsured, and the average home is undervalued for insurance purposes by roughly 19%.

  • September

  • The Ins and Outs of Auto Theft Coverage

    Coverage for auto theft is included in the comprehensive section of an auto insurance policy, but some owners opt out of this protection, especially when their vehicles are old. Read about facts to consider that can help protect your auto and even its valuable components.

  • Insuring Your Home-Based Business

    Many people who have a home-based business assume that their homeowners insurance will provide broad coverage, but this misconception can leave them open to a considerable amount of risk. An in-home business policy is tailor-made for businesses that operate out of a residence.

  • August

  • Even College Students Need to Be Adequately Insured

    Before sending your son or daughter off to college, consider reviewing your homeowners and auto insurance policies to determine whether your newly independent student would be insured against a costly loss. A separate renters policy may also be something to consider if your child leases an off-campus apartment.

  • Don’t Let Burglars Ruin Your Summer Fun

    Most burglaries occur in July and August when families are out of town enjoying their summer escapes. Here are some preventative measures to help safeguard personal property and home security while you’re away.

  • July

  • Be Aware of Common Coverage Gaps

    Even with a comprehensive homeowners policy, there may be some gaps in coverage. For some events, you may be able to purchase riders or separate policies; others may involve higher premiums or may not be covered at all.

  • Boat Policies Ensure Fun on the Water

    Thousands of boating accidents are reported every year. Here are some points to know about boating insurance if you currently own or hope to buy watercraft in the future.