Most people will tell you that their biggest asset is their home. Of course, that’s why it’s so important to have the right homeowners insurance for it.
What is interesting is that, according to Erie Insurance, the five most common causes of homeowners claims come from Mother Nature, herself; and those top five causes of homeowners insurance claims at Erie Insurance include hail, wind, water, fire and the weight of snow and ice on a roof.
This is the time of year when, it seems, everyone is tying the knot -- strolling into wedded bliss. All the checklists and plans are underway, and dreams of the wedding march and the honeymoon dance in your head. But does that checklist include the possible changes to your insurance portfolio as you join two lives and become a couple? Will you need different financial protection? What will managing two careers as a couple mean for you? How will merging two households affect you?
Do your future plans depend upon two incomes? If so, your lifestyle will reflect that. You will have expenses that you have not yet anticipated, and perhaps you have existing education loans or even medical bills to pay. Then there's retirement... yes, it seems so far away, but who knows what the future will bring? Will you buy a home? Will you start a family? In fact, one never knows what life holds in store, so it is important to make plans now to protect what you have and what you expect to have.
Drivers are distracted in many ways, including everything from dealing with children, pets and other passengers, to operating the car’s climate controls, audio or navigation device, and from eating to old-fashioned map reading. However, by far the deadliest distractions come from talking on the cell phone and texting while driving. Moreover, using your cell phone while driving has been found to impair your ability to drive your car just as much as driving while drunk.
No matter where you drive – from rural roads to suburban streets and even highways around our cities – the threat of a collision with a deer is real.
Deer collision accidents are on the rise, partially because the deer are being displaced from their natural habitat by urban sprawl but also because the deer population is growing.
In fact, the Insurance Information Institute reports that over 1 .6 million deer-vehicle collisions occur each year and these accidents cause vehicle damage, injuries and even fatalities at a cost in the neighborhood of $4.6 billion.