Consider these simple steps to make your home safer, warmer and cheaper to live in. Ice, snow and wind can have devastating consequences on your home; fortunately, there are precautions you can take to avoid winter related damage. Keep in mind, the time to winterize is when the leaves begin to turn and not when the snow begins to fall.

Factors impacting the cost of insurance are outpacing inflation. Even if you haven't had a claim, you're likely to see premium increases due to increased costs to repair/replace and increased severity and frequency of accidents and other losses. Here are some steps you can take to help manage your insurance protection.

Insurance premium payments are different from other bills. If you're late making a payment there is more at stake. Late payments can impact your premium costs and insurability.

You can purchase limited coverage either as part of a package endorsement that increases several coverages on your policy or as a separate “Water Backup and Sump Discharge or Overflow Endorsement” to your policy...

The start of the school year is here. College students are moving back-to-school, and many are getting prepared for new living arrangements which may or may not require having a car on campus. With all the preparation, insurance coverage is an issue that can be over looked. Even if a student has been away to college previously, it doesn't mean that his/her insurance needs haven't changed depending upon a variety of factors...

When bad weather causes damage, Home insurance coverage for a storm related losses can depend on the situation as well as on what type of coverage you’ve purchased. Typical homeowner policies (HO3 policy form) include coverage for a variety of causes of loss; however, certain causes of loss may be excluded, which helps to keep policies affordable. Learn more about homeowner insurance and storm protection.

Life insurance can be a vital tool for financial planning, but finding coverage that meets your goals and budget can be challenging without guidance. Don't worry. A few simple steps will help you focus on the essential aspects of buying a policy that fits your needs.

If you're a college student living in a dorm or apartment, or have a child who's away at school, you may need to update your insurance policy or make coverage changes. Here are some issues to consider...

Discounts for having auto & home/condo/renter policies with the same company can be confusing. We're always working to help you maximize your discount opportunities and save money. In the past, a multi-policy discount only applied on a home-type policy. Discounts are available on both home and auto policies, which can mean greater savings. • auto policy discounts with a home range from 8% to 10% • home policy discounts with an auto range from 5% to 20%

If you choose to cohabitate, take care to obtain the right coverage for your situation. The general overview below highlights key concerns...