Given our busy lives and how much stuff we all have, it can seem like an impossible task to put together an inventory of everything. But, doing so helps you can make sure that you’ve got enough insurance to cover your personal property, and if you experience a loss, you’ll be able to settle a claim quicker and be more likely to get reimbursed for what you have.

Whether you’re buying a new home or have owned your home for some time, understanding what components make up a solid insurance protection plan for your home, your valuables and your liability is essential. While your home may not change much over the years, insurance isn’t “a set it and forget it” decision. Changes in your life, improvements to your home and changes of construction in the general marketplace can change your insurance needs.

Use this guide to help you find ways to save on car insurance without sacrificing your protection. The most expensive insurance policy is one with gaps that leave you without coverage when you need it most. Stay focused on value—what you get…for what you pay.

Making money by driving for Uber or renting out all or part of your home through Airbnb sounds like a great idea. However, personal auto and home insurance policies don't cover these situations...leaving you with a serious coverage gap should an accident occur.

Effectively managing insurance costs goes beyond simply considering coverage limits, coverage options and premium amounts. It also involves considering what costs you are willing to pay out of pocket in the form of deductibles.

Running a business out of your home changes the loss exposures and characteristics of your residence as far as your homeowners insurance company is concerned. Your homeowners policy will cover losses to the property caused by perils such as fire, wind, lightning, and theft. And the liability portion will pay if someone is hurt on your premises. But if you run a home business, any loss associated with that business may be your problem unless you obtain additional protection.

Auto policies have a variety of exclusions and conditions that limit coverage in certain circumstances. “Regular use” and “business use” are two coverage issues that you should understand...

Insurance consumers are constantly looking for ways to save on their personal lines insurance costs. Some of these ways are smart; some, not so much. Learn why increasing your insurance policy deductible can be a smart way to save money while maintaining excellent coverage.

Automobile crashes causing injuries and property damage occur at the highest rates in cities. One study reports that approximately 43 percent of auto accidents are intersection-related incidents. The following intersection safety tips are ones for you to consider...

New Hampshire is the latest state to establish a no use of hand-held electronic devices law effective July 1, 2015. This means no use of hand-held electronic devices capable of providing voice or data communication while driving or temporarily halted in traffic for a stop sign or traffic signal or other momentary delays. This includes cell phones, GPS, tablets, iPods, iPads or other devices that require data entry.