The first years teenagers spend as drivers are very risky. In fact, teen drivers have the highest death rates of any age group, according to the U.S. Department of Transportation. While getting a drivers license is an exciting rite-of-passage for teens, it can be...

Distracted driving is any activity that could divert your attention away from the main task of driving. It is something that is both dangerous and disturbingly common. You may be surprised to learn that cell phones and texting are just part of the problem when it...

If you lost your home in a fire, how much would it cost to rebuild it? The answer may be different than you think. And if your home isn’t insured to its full replacement cost, your homeowners policy may not cover the full cost for you to rebuild it in the event of a...

For many drivers, there is nothing more frightening or potentially dangerous than a tire blowout at almost any speed. While the number of tire-related crashes has dropped dramatically since 2008, when all new vehicles were required to have automatic tire pressure...

Our safety professionals often answer questions about driving in severe weather.  Here is a look at why certain conditions make for dangerous driving and some tips to help you stay safer. Remember, severe weather demands your undivided attention, so turn down the...

Winter may be most known for its treacherous driving conditions, but spring also can be a difficult season for driving. From wind and rain to wildlife emerging from hibernation, spring driving can be challenging in its own right. It is possible to enjoy the ride,...

Loss of Rent insurance, also called “Loss of Use” coverage, protects you in the event your property is no longer a viable income stream due to damage or loss. If the rental property is damaged in a storm, for example, and is no longer inhabitable for tenants, then...

Homeowners insurance is generally designed to cover both your property and the people and belongings within it. Landlord insurance, on the other hand, generally covers the structure you are renting. You can add extra coverages to protect your household furnishings and...

Considering renting out your home or investing in a small residential property with a couple of apartments to generate extra income? The notion may be intriguing, and becoming a landlord can be rewarding, but it’s a decision you’ll want to consider carefully to make...

Knowing What You Have… From the time we’re small, each of us collects things. At first, it’s seashells or marbles, simple things that represent our discovery of the world around us. As the years pass, we find new things to treasure. Books, photographs, paintings,...

You may think that a homeowners insurance policy provides adequate coverage for all your valuables, but policies may provide limited or no coverage for certain items – including generally expensive items – that are damaged or stolen. For example, many homeowners...

When the colder temperatures start to set in, many homeowners will turn to their fireplace, wood or pellet stoves as an additional heat source. While fireplaces can provide warmth and comfort, if you are not careful, they can also be a hazard. Keep in mind the...

Preparing your home for winter is an important annual ritual for homeowners. For instance, did you know that adding insulation in your attic before winter arrives can help prevent ice dams this winter? And do not forget that tuning up your heating system now can help...

Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent...

Icy weather can create challenging, and potentially dangerous, driving conditions in the winter months.  Black ice forms on roadways and can produce a nearly invisible hazard. As temperatures approach freezing, icy conditions can develop, especially on roadways...

You may be inclined to think that your car runs well without much maintenance year-round, and besides an occasional trip to the mechanic for an oil change, any preparation for the winter months is not high on your priority list. In fact, cold temperatures and icy...

When winter weather strikes, drivers face out-of-the-ordinary challenges when they get behind the wheel. Snow, slush or icy roads are involved in many weather-related crashes. These conditions can make it harder for drivers to see, slow down and stop - all factors...

For many, the winter holidays are a time of joy, celebration and tradition.  Decorating your home, yard, or office is a fun, festive way to celebrate the season.  A little planning can help you enjoy your display all season long.  Following are some...

The holiday season is a time to celebrate with friends and family, but the hectic pace can also make it a stressful time of year. The holidays can present increased risks, especially if you are on a quest for gifts. Overcrowded stores and an increase in online...

While spring is a common time for many homeowners to spend some extra attention on upkeep and maintenance, autumn I s just as critical a season for preparing your home to withstand the potentially harsh winter weather and temperature conditions that may await...