liability

No longer will a wood deck with a barbecue do for many homeowners wanting to enjoy their back yards. These days, accessorizing means amenities like ponds, flower beds, vegetable gardens, outdoor kitchens, and, increasingly, fire pits that crackle and glow. One reason for fire pits’ appeal? According to Sacramento, Calif., landscape designer Michael Glassman, a […]

Not all insurance policies are created equal! The following guidelines are standard, but there are exceptions. It’s important to get to know your insurance policy before you have to file a claim. Here are three possible Halloween problems, and the skinny on what is and isn’t covered by a typical policy. Trick-or-Treater Slips and Falls Trick-or-treating can […]

You probably know that homeowners and renters insurance covers property inside your home from losses due to theft, fire, and other calamities. But you may not be aware that it also protects you from other types of situations, including many losses that occur outside your home, according to the Insurance Information Institute. That’s why it’s a […]