Two-thirds of households in America have air conditioners, according to the U.S. Department of Energy - and they spend a total $11 billion each year running them. Our guess is that most of those households (which may...

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When the sun is out and the weather gets warm, people flock to the water - whether it’s the beach, lakes, rivers or a backyard pool. But wherever there’s water, there’s also danger lurking beneath the surface, even if...

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What would you do without power tools? Well, you’d probably take on fewer home-improvement projects - and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to...

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Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference - and whether you’re handy or not, you can...

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“What really makes a teacher is love ... for it is love that transforms the social duty of the educator into the higher consciousness of a mission.” Almost everyone has a story about a teacher who inspired them-the one...

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Your guide to understanding the fine print. Don’t be intimidated by specialized insurance language. Below you’ll find definitions of some of the most common terms used when dealing with auto insurance. Adjuster - An...

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A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after...

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Is there a newly licensed driver in your home? Reduce the stress by understanding the implications for your car policy. For parents, the excitement of having a first-time driver in the house is usually tempered with...

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Use these guidelines to protect your home and your assets with adequate insurance coverage. If disaster strikes, you'll want enough homeowners insurance to rebuild the structure of your home, to help replace your...

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If the home you own is an apartment, here's what you need to know about insuring it. Because co-op and condominium owners share their building structures, two policies-a master policy and an individual policy-are...

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How are you paid? Who gets the check? Do you need to replace items immediately? Learn here. After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get...

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Both annuities and life insurance should be considered in your long-term financial plan. While both include death benefits, you buy life insurance in the event you die too soon and an annuity in case you live too long....

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5 reasons your life insurance benefits might go unclaimed - Sometimes life insurance benefits are left unclaimed after a policyholder dies. This is an unfortunate problem under any circumstances, but especially now,...

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Make your home safer-and get insurance discounts, too. Burglars won't find your home an easy target if it's well lit and features security measures that slow them down. Don't let your home be an easy mark for theft and...

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To stay safe in a storm, know the truth about lightning dangers. “When thunder roars, go indoors!” is a truism that actually holds up. But much of what we think we know about lightning is fiction. Here are some common...

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Know what to do immediately following a seismic tremor to protect yourself and your family. Earthquakes happen without warning and they can cause damage even in areas where tremors aren't a known issue. If you've...

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Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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A list of your belongings will make filing an insurance claim much easier. In the event of a fire or other disaster, would you be able to remember all your possessions? Having an up-to-date home inventory will help you...

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The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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Earthquakes and coverage - Your home may be at risk from earthquakes. Learn how to protect it. Earthquakes can cause much harm to home structures. They can damage housing foundations and collapse walls; even relatively...

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Don't risk financial losses because someone else isn’t covered. Despite the legal requirements in 49 states, many drivers in the U.S. remain uninsured. Don't risk your financial health-make sure you're insured, and...

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Use these guidelines to protect your home and your assets with adequate insurance coverage If disaster strikes, you'll want enough homeowners insurance to rebuild the structure of your home, to help replace your...

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There’s perhaps no organizing task more daunting than the garage-it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How...

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If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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INSURANCE INFORMATION INSTITUTE New York Press Office: (212) 346-5500; media [at] iii [dot] org NEW YORK, March 26, 2012 - Spring showers and related flooding can overburden sewer systems, causing raw sewage to back up...

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Last year on April 22, the 49th annual Earth Day was expected to include more than 1 billion people in nearly 200 countries taking part in what the Earth Day Network calls “the largest civic-focused day of action in the...

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April is tax season, so a lot of people are thinking about their finances these days. But if you’re like most people, you’re probably thinking in the short term: What’s my refund going to be-or how much do I owe? And...

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How to avoid being underinsured. For many people, their home is their greatest asset, so it is crucial to avoid being underinsured. To properly insure your home, it is important to ask your insurance professional four...

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A strong offense is definitely your best defense against mold. Mold is destructive to your home and possessions-and the damage it causes generally isn't covered by homeowners insurance. Learn how to defend your home...

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Don't risk being underwater-understand how flood insurance works. Standard homeowners and renters insurance does not cover flood damage. Find out if you need flood insurance and learn where to get it. Your standard...

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Ways to prevent carbon monoxide exposure. In most places in the United States, March 8, is Daylight Saving Time, when clocks are moved forward one hour. We want to remind you it’s also a great time to improve your...

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Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about...

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You keep your home stocked with supplies to use in case of emergency. (Right?) What about your car? During winter, extreme weather and road conditions can lead to all kinds of trouble when you’re traveling - crashes,...

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Roughly 1,000 life insurance companies sell life insurance in the U.S., but many are members of groups of companies and so aren’t really competitors with each other. Having separate companies enables a group to offer...

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Get your home ready for freezing weather hazards with these simple tips. Ice, snow and wind can have devastating consequences to your home-and to your household budget. Fortunately, there are precautions you can take to...

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February is the shortest month of the year (even in leap years, when it has 29 days instead of 28), but there’s no shortage of interesting facts about it. From weird holidays to astronomical oddities, this month has a...

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Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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For immediate release New York Press Office: (212) 346-5500; media [at] iii [dot] org NEW YORK, Dec. 18, 2019 – Many U.S. states experienced winter weather conditions this fall even though the season’s official start...

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To adequately insure high value items, consider a floater. A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all...

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Avoid cold weather driving disasters with these tips. Snow, sleet, ice and below freezing temperatures all have an effect on driving conditions. During winter, safety depends on driver performance in winter hazards,...

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