Articles

Under regulations implemented by the California Department of Insurance in 2022, insurers, when pricing policies, are now required to take into account homeowners' efforts to harden their properties as well as local communities' efforts to reduce their overall...

One scenario a pet owner dreads is if their pooch suddenly lashes out and bites someone. A bite can come outside the home or if you have people visiting, and it can become a liability for you if it's a serious bite. Many insurance companies won't insure your home if...

Safety experts are raising concerns about the latest evolving distraction in cars: the interactive dashboard. You already know that fiddling with your smartphone while driving is illegal, highly dangerous and can lead to a serious accident or death. These evolving...

The staged car accident scam is growing as perpetrators are getting craftier about entrapping unsuspecting motorists. Scammers usually meticulously plan their staged car accidents, leaving nothing to chance. They practice until they get it right and even if you can...

If you reside in a community that's part of a homeowners' association (HOA), you should understand what the association's insurance obligations are relative to your own to avoid any coverage gaps between your insurance and that of the association. HOA rules usually...

Knowing what type of insurance you need if you live in a condominium can be confusing. After all, while you own your unit and everything inside its walls, you obviously are not required to insure the entire building, which you don't own. It's important that you secure...

According to the Federal Emergency Management Agency, 99% of counties in the U.S. experienced flooding between 1996 and 2019 and many of those affected were not in areas traditionally associated with floods, The Washington Post recently reported. Property owners in...

Winter driving can be challenging, with icy roads, snow-covered surfaces and frigid temperatures posing significant risks to drivers. While safe driving plays a critical role, many modern vehicles come equipped with advanced safety features designed to enhance winter...

Millions of Americans take to the water each year during boating season, traveling the nation's coastlines, rivers, lakes and canals.  The watercraft range from simple rowboats to jet skis to small motorboats to luxury yachts. Boat owners spend significant amounts of...

More hospitals and insurers have started charging patients for virtual care services as they have grown in usage and providers are spending more time meeting patients in telehealth appointments and responding to their e-mails. Many hospital systems have started...

Companies that self-insure their group health benefits, or are in partial self-insured plans called level-funding, are this year seeing steep increases in the cost of their stop-loss insurance as the number and costs of high-dollar claims skyrocket. Stop-loss...

Being prepared for an earthquake is a good investment if you are in a quake-prone area. At least one-fourth of all businesses that close because of a disaster never reopen, mostly because they are unprepared. "Is Your Business Ready" questionnaires are a great place...