If disaster strikes, you'll want enough homeowners insurance to rebuild the structure of your home, to help replace your belongings, to defray costs if you're unable to live in your home and to protect your financial assets in the event of liability to others. Use these guidelines to help determine the coverage and amounts you need.

If you've purchased life insurance, you deserve to be commended for taking this step to protect your loved ones. There may be a temptation to file away your policy and forget it, but there are a few key things you should do right away after buying life insurance to ensure that in the event of a tragedy, your loved ones will easily be able to receive the money you want them to have.

Every homeowner, renter, and college student should have an inventory of their possessions. Just imagine if you had a fire or burglary, would you be able to remember everything you own and what it cost? Having an inventory can save you time, money, and stress if you have to make a claim.

Imagine how you’d feel if you looked down and saw the stone missing on your diamond ring? Would it be covered by your homeowners', condo owners' or renters' policy?

When deciding between the general categories of term or permanent life insurance, your decision needs to be guided by what you want it to accomplish for those you’re protecting.