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| Can I drive legally without insurance? |
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NO! Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don’t have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to... | |
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| What is covered by a basic auto policy? |
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Your auto policy may include six coverages. Each coverage is priced separately.
1. Bodily Injury Liability
This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered w... | |
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| Auto Insurance - What is Auto Insurance |
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Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Lia...
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| Winter weather preparation |
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Ice, snow and wind can have devastating consequences on your home. The time to winterize is when the leaves begin to turn and not when the snow begins to fall.
Homeowners should take the following precautions:
Maintain gutters
Remove leaves, acorns, sticks and other debris from gutters so melting... | |
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| Remodeling your home |
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If you plan to remodel your home, make sure that the house, the contractor and the subcontractors have adequate insurance coverage.
Don’t make the mistake of waiting until an addition or extra room is completed to increase the insurance coverage on the structure of your home. If the new addition is destroyed or damaged before insurance cover... | |
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| Protecting your bike from theft |
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The National Bike Registry estimates that one million bicycles are stolen each year in the U.S. and only a small percentage of them are ever recovered. The annual cost to American families is more than $200 million.
The following tips can help lower the risk of having your bike stolen:
Lock your bike.
Unlocke... | |
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| Protecting your house from mold |
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When it comes to keeping your home mold-free, a strong offense is definitely your best defense. To prevent mold, eliminate moisture from your home and be on the lookout for signs of possible growth, such as musty smells or watermarks on walls and ceilings.
Caught early, mold can usually be removed by a thorough cleaning with bleach and water. To pr... | |
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| Pool safety |
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Every year about 43,000 people are injured in and around swimming pools and more than 600 people drown in home or public pools. Half of the pool fatalities occur in the yards of single-family homes.
Here are some pool safety tips you should follow:
- Never leave small children unsupervised–even for a few seconds.
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| Lawnmower safety |
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Each year, approximately 75,000 people are injured seriously enough by lawnmowers to require emergency room medical treatment. Only a small percentage of the injuries are caused by mechanical failure; most are the result of human error.
Here are some tips to follow before and while mowing your lawn:
Become fami... | |
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| Home security |
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Burglars won't find your home an "easy mark" if they are forced to work in the light, if they have to take a lot of time breaking in, or if they can't break in without making a lot of noise.
Research shows that if it takes more than four or five minutes to break into a home, the burglar will go elsewhere.
Most... | |
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