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There are few things in life worse than losing your home to fire or a natural disaster. Except, that is, discovering in the aftermath that you don’t have enough homeowners insurance coverage to rebuild the house back to the way it was before trouble struck. If you get Guaranteed Replacement Cost (GRC) coverage, that is unlikely to […]

It’s a fact of life: accidents happen. Of course, there will always be risks associated with creating, manufacturing, assembling, distributing or selling products, but managing those risks is a key part of your business success. Product liability insurance can protect your business from potential legal and financial consequences that may arise from product-related claims. Product

If you’re getting ready to rent an apartment, you’ve probably got a long list of things to do before you move. Along with making sure you’ve packed everything you need and signed all the right paperwork, you’ll want to add “get renters insurance” to your to-do list. Yes, your landlord has an insurance policy, but it

When it comes to our cars, it’s obvious when some things need our attention. Cracking rubber and a streaky windshield in the rain indicate when wiper blades need to be replaced. Spotting worn tread or a flat tire when we check our wheels—which we should do every time we drive—is noticeable enough. And anyone who’s owned

Small business in America is thriving. According to the United States Census Bureau, almost half a million business applications were filed in January of 2024 alone. With the spirit of entrepreneurship flourishing, business owners want to stay as far ahead of the pack as possible, and that means growth. So, how do you grow your

As the weather gets warmer, this could mean spending the day on the water.  Whether it’s a day sail or boating around a lake, it’s helpful to brush up on boating safety best practices to help avoid an accident. In 2022, 636 people lost their lives in boating accidents, according to the United States Coast

“Welcome to the neighborhood!” one of our neighbors called while we were standing in the front yard of our new home. On any other day, it would sound like a normal greeting. But on that particular day in June 2014, my husband and I wryly laughed at their joke. Our neighborhood had just flooded ‒

If you run a small business, you’re well aware of how many things can go wrong. Even if they haven’t happened to you personally, you’ve probably heard the horror stories. Whether accidental customer injuries, legal action from competitors or any of a thousand other heartburn-inducing scenarios, the risks and pitfalls of running even a very

Whether you’re a hardcore biking enthusiast or more of a casual cruiser, riding your bike is a great way to enjoy the outdoors – and a healthier way to get around, too. After each ride, it’s important to remember to lock your bike up so thieves can’t steal it. Close to two million bicycles are

Dwelling coverage is the portion of your homeowner’s insurance that protects the physical structure of your home from common hazards. This includes not only the livable area of your house, but also attached structures like your deck, porch or garage. Since it covers anything that’s considered to be legitimately part of your home’s structure, it