Because they no longer live with their parents, they’ll need to insure their car on their own. They may find that insurance is very expensive. College grads tend to want to go out and buy...

Free is free.. and you should certainly use any coverage that doesn’t cost you anything. Just be careful you know what you are getting into.

This type of insurance covers all sorts of events and perils. A kite-flying contest, for instance, can only take place if there is wind. If there’s a storm, the party can’t go on.

With the ease of getting home equity loans in recent years, a lot of people have done a lot of remodeling. Their policy may not have kept up.

If there’s a claim and the check isn’t made out properly, it could get lost.

These are definitely not worth it if you already have life insurance. Flight and accident insurance are one-shot deals. If that flight doesn’t fall out of the sky, the policy is over. It’s much more...

An uninsured loss such as the theft of a laptop or a liability claim stemming from a party mishap can deal a devastating blow to a college students’ limited bank account or the livelihood of...

A lot of people are buying expensive TVs and high-end appliances.

People tend to forget the value of stereo equipment, computer equipment, even your clothes.

People think the landlord’s insurance covers them if something happens, but that’s not true. His coverage is on the building, not your personal belongings.

Independent agencies have the advantage of their community connections to counter this competition, especially if they focus on personal lines as a separate profit center, and not merely as an accommodation. Growth can be achieved...

If they’re gainfully employed, most employers offer health insurance. Take advantage of everything that’s offered, including flexible spending accounts.

Participation in the annual Best Practices Study has become a prestigious achievement for those that qualify for inclusion. It means the agency is among the best in the country. To be the top performer in...

The logic behind it is if you’re desperately in debt, you might burn the car to collect the insurance. That’s the plain and simple of it.

That’s not going to pay a mortgage, send your child to college and help someone get their life back on track.

If you don’t think that’s enough, you can increase it.