Halloween isn’t just for kids. All you have to do is drive around and see the decorations, and you know that Halloween is right up there with Christmas when it comes to getting into the holiday spirit…pun intended. Insurance may not come to mind as you're planning your costumes or decorating your home, but there are certain risks involved especially if you are...

Many people face a variety of community-related and volunteer-related loss exposures. For example, if you or a family member holds some type of leadership role in a community, charity, religious, not-for-profit, or political organization, you should consider certain risk management recommendations.

Many renters underestimate how much they are putting at risk by not having this extremely affordable coverage. If you don't have renter's insurance, are you saying "No" before you are really clear on what renters insurance does for you? Renter insurance covers is damage to your personal property and also provides liability coverage.

For most people, their home is their greatest asset, so it's crucial to avoid being underinsured. To protect their investment from disasters, homeowners should update their insurance regularly to include improvements, major purchases and increased rebuilding costs. Here are four key questions to ask your insurer.

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.