An adult son or daughter may think that, when a loss happens, coverage is available from mom or dad's homeowners or auto policy. It usually isn't, and finding this out after a loss is an unpleasant experience.

ID theft is a form of fraud that has been around for as long as there have been dishonest people. It is a high-profile problem because technology has created many more opportunities for this crime.

Many events often trigger a need to evaluate one's insurance landscape. It may spur a need to buy renters coverage, homeowners or auto policy or secure wedding coverage, an umbrella policy or endorsements for jewelry, etc.

Insurance, even in the 21st Century, is typically considered similar to an ocean liner: it is huge and, while it can adjust its course, it doesn't do so quickly or particularly with grace. In other words, it is often a long, painful process for insurance to work out how it deals with new or evolving exposures.

The dwelling fire coverage form was once the only option for providing residential property insurance. Then, it only offered modest coverage for private (non-commercial) building property and personal contents. As time passed, the evolution of coverage forms with broader protection resulted in the program being replaced by the homeowners policy.

So maybe you’re still on the fence about whether purchasing a personal umbrella policy is a good move for you and your family. Following is a list of “non-negotiables” — that is, these are the exposures your family may have that make having an umbrella policy a must.

In recent years, a trend has gained substantially greater interest among travelers. To save costs, and for other reasons, such as gaining a more authentic travel experience, it has become increasingly popular to rent out residential space temporarily.

Earthquakes appear to be making frequent headlines around the world. Earthquakes are not like severe weather that can be tracked and anticipated.

Homeowners insurance protects you financially from losses related to the home you own or are purchasing. (If you rent your home, you would need insurance for renters.)