The specter of having a severe illness or injury that requires long-term care is a scary proposition for most anybody, not to mention the financial obligations you would face.

But trying to time when the best age is to purchase a policy is not an easy decision. Obviously, you don't want to buy the policy too early and unnecessarily spend thousands of dollars on premium over your life for coverage you may not need until you are much older.
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Fires are the most common claim for homeowners, and they can start in a variety of ways. 

The causes of these fires range from food left unattended on the stove to candles left burning. A majority of these fires are preventable with some forethought and care to minimize the risks.

The New Year is a great time to prioritize home safety and review your insurance coverage to make sure you are appropriately covered. We’ve assembled some tips to make it easier and maybe even save you some money.
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One misconception about homeowner's liability insurance coverage is that it only covers incidents in the home. 

In fact, coverage under the comprehensive personal liability portion of your homeowner's policy is not limited by location. It is, however, limited by the liability caps on your policy. 

Winter weather is tough on nearly everything, including your roof. Harsh winds, the stress of freeze-thaw cycles, and the weight of the snow can affect a roof’s structural integrity.  The damage can range from a leak to a roof collapse.

Snow has arrived for many parts of the country, and that means it's time to brush up on tips for safe winter driving, especially in snow.

The roads can get slick and visibility can dwindle, so always take it easy, drive calmly and stay safe. Whether you've driven in snow often, a short while, or never, it's always a good idea to brush up on the basics to help you stay safe during this time of year.

As the temperature drops, pipes exposed to the cold are prone to freeze. This is especially true for pipes located in unheated areas like basements, crawl spaces, attics, and garages. Pipes that run along poorly insulated exterior walls can also be affected by the extremes in temperature.

The continued freezing and thawing of these pipes can cause the material to become weak and break. When this happens, water fills the room, causing significant damage. A crack measuring as little as three millimeters can send as much as 250 gallons of water a day into the house or building.
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Because your home or building is a valuable asset, it’s critical to take preventive steps to avoid major inconveniences, high repair costs, and higher insurance costs.

There are about 10 million adults over the age of 50 in the United States who provide care for their aging parents. During the past 15 years, the number of adult children providing primary financial or personal care for their parents has increased more than three times. About 25 percent of all adult children in the country today are the primary care providers for their parents. The same number is almost equal to the number of non-working adult children who help their parents.

Expecting a baby is one of the most joyous experiences in life.  As you prepare your nursery, don't forget to review your insurance to make sure your coverage reflects the change in your growing family.  Below are a few pointers. 
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Not every trip needs to be insured; however, if the cost, risk of illness, or potential for interruption has you feeling cautious, then trip insurance may be a wise investment. Asking yourself the following questions may help you decide:

• Are you traveling abroad or more than 100 miles away from home?
• Are you hyper-aware of the cost of your travel arrangements?
• Are you concerned an injury or illness of you or a loved one may affect your trip?
• Are you traveling during a heightened risk of severe weather, like the winter holidays or hurricane season?
• Does your trip include pre-paid home rentals, car rentals, or event tickets?

When considering a plan, take inventory of the components of your trip. Pre-paid vacation home rentals, car rentals, and event tickets are unique items to insure, yet they can be costly if forfeited due to an unexpected circumstance. If these costs are added to the total pre-paid price of the trip, a comprehensive travel insurance plan could protect you if your trip should be canceled or interrupted.