Wine connoisseurs enjoy the avid hunt for that perfect bottle of Grand Cru Burgundy. And as their collection grows, a desire arises for a roomy wine cellar and a burgeoning financial budget for this passion. Along with this investment comes a need for airtight insurance coverage, protection that a standard homeowners policy likely cannot provide. [...]
Do You Really Need Flood Insurance? According to the Federal Emergency Management Agency (FEMA), flooding can cause several billion dollars of property damage in the United States each year. If you are like many homeowners, however, you may be unaware that the standard homeowners insurance policy you buy does not cover flood losses. You may [...]
Many people overlook the need to properly insure their expensive jewelry, believing that it is automatically covered by their homeowners policy. While homeowners policies do cover jewelry, this insurance usually is subject to a much lower limit than the overall contents coverage. This is called a “sublimit,” and a typical sublimit is $1,500 for loss [...]
There are several things parents can do to help keep their teenagers safe behind the wheel. Here are a few tips. Ø Coach your Son or Daughter. You should “coach” your teenage driver. Talk openly and frankly with him or her in order to determine his or her attitude about being behind the wheel. Work [...]
