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A standard homeowners insurance policy covers damage or destruction of your home and its contents. It also includes personal liability coverage. This protects you financially if someone is injured or their property is damaged on or off your property, or if you're sued for issues like defamation. While homeowners insurance offers broad protection, it doesn’t…

Wildlife is a pleasure to experience, but not inside your home. Animals can move into your attic, walls, chimney, and other nooks and crannies. Dealing with their waste, unpleasant smells and damage is frustrating. It can also be expensive. Most homeowners insurance expressly excludes damage from: Birds Rodents Insects Even if your problem doesn’t fit…

Liability lawsuits are unpredictable. Juries are increasingly giving outsized awards to plaintiffs. Just about any accident can become prey to unscrupulous and even manufactured claims of serious injury. While homeowners and personal auto insurance offer liability protection, they usually aren’t designed to handle big claims, like permanent disability. If you lose a lawsuit that results…

You can’t control other people’s driving behavior, but you can control yours. Here are some tips to take on the road. Safe driving habits Stay focused Don’t text, call, or do anything that takes your mind or eyes off the road. Maintain safe distances Keep a three-second gap or more between your vehicle and the…