With the June start of hurricane season, it's a good time to check your homeowners or renters insurance—and this handy list from the Insurance Information Institute will make it easy to be sure you’re well-prepared in case a storm comes your way.

Travel insurance is a specific type of insurance that is available to a person who will travel in the near future. It is designed to protect an insured from a wide variety of travel-related losses, including trip cancellation or interruption; emergency medical events; emergency evacuation; lost or delayed baggage, personal effects, passports, and visas; and legal expenses.

A permanent life policy provides lifelong insurance protection. The policy pays a death benefit if you die tomorrow or if you live to be a hundred. You can lock in premiums when you purchase the policy. By purchasing a permanent policy, the premium will not increase as you age or if your health status changes. There is also a savings element that will grow on a tax-deferred basis and may become substantial over time.

It's worth talking to your insurance representative periodically to review your coverage even if you don't have a specific issue to take care of. Changes in your life can impact your needs and you may not realize it, and insurance companies often come out with new coverage options that you should consider.

Sewer backup loss exposures are a common coverage gap under a homeowners policy. However, this exposure can typically be covered by the addition of a "Water Back-up and Sump Overflow" endorsement to your policy. In addition to procuring the proper insurance coverage, homeowners should adopt several risk control techniques concerning this loss exposure.

Distracted driving has become a deadly epidemic. Cell phone use, including texting, talking, and social media, use are the most common distraction. However, other distractions including eating, drinking, applying makeup, adjusting the radio, or GPS can be equally dangerous. Don't drive distracted.

Because having an accident isn’t a common occurrence, you might forget what you should and shouldn’t do if you’re in an accident. Here are actions you can take to help things go smoothly and facilitate the claims process.

Standard property insurance covers physical damage and losses—furniture destroyed in a fire, a storm-damaged office building or stolen equipment. This coverage can help you pay the costs of rebuilding or replacing damaged property. But what about losses resulting from your business’s inability to operate because of property damage? For this type of loss, you’ll need business interruption insurance, also known as business income insurance.

If your motorcycle has been off the road for a while, It’s exciting to get back out there, but before you do, be sure that you also do a check up on your motorcycle insurance in addition to the motorcycle itself. Being properly protected will make your summer fun all the more enjoyable.

Sometimes decisions you make can impact the pricing and availability of insurance. If you’re contemplating any of these decisions, be sure to speak to your insurance agent first to discuss how these issues can impact your insurance coverage and premium.