Year: 2012

Family Cars Outperform Luxury Models In Crash Test

     ARLINGTON, Va. — A group of moderately priced midsize cars outperformed most of their luxury counterparts in a challenging new frontal crash test conducted by the Insurance Institute for Highway Safety (IIHS) on 2013 models. Of the 18 midsize family cars evaluated in the small overlap test, two earn the top rating of good, 11 earn acceptable, three earn marginal, and two are... Read Article

Holiday Losses & Winter Driving Safety

HOLIDAY FIRE LOSSES   U.S. fire departments respond to an average of 240 home Christmas tree fires each year, according to a 2011 report by the National Fire Protection Association based on 2005-2009 data. These fires are responsible for an average of 13 deaths, 27 injuries, and $16.7 million in direct property damage annually, according to the NFPA. For further information see the NFPA‘s holiday statistics. Winter... Read Article

How Can I Avoid Scams After a Disaster?

If your home was destroyed by a hurricane, wildfire or other disaster, be cautious.  Unfortunately, there are dishonest service providers that prey on disaster victims. They know that people who have lost their homes and valuables may not be thinking clearly. If you have suffered this type of loss, don’t make any rash decisions. Talk to your insurance agent, who may recommend service providers in... Read Article

A Rise in Roommates Raises Questions about Home and Auto Insurance

The number of people living in roommate and unmarried partner situations is on the rise in the U.S., raising questions about home and auto insurance, according to the Insurance Information Institute (I.I.I.).  One out of every eight homes in the U.S. is now inhabited by two or more people who are not related to each other—an increase of over 5 percent from 2000 to 2010,... Read Article


A standard homeowners insurance policy includes four essential types of coverage. They include: Coverage for the structure of your home. Coverage for your personal belongings. Liability protection. Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster. 1. The structure of your house This part of your policy pays to repair or... Read Article