 You've worked many years to create a financial legacy for your family. But estate planning laws are complicated.
One or two simple mistakes can derail an estate plan and cost your heirs dearly in time, money and stress. Here are some of the most common estate planning mistakes - and how to avoid them.  Increasingly frequent and extreme weather events, along with rising home repair costs, are combining to drive homeowner's insurance premiums higher.
 More than two-thirds of renters are uninsured for fire, natural disaster and burglary.
Why do so many people take this unnecessary risk? Some may think that their landlord's insurance will cover any claims, or that only houses are broken into – and not apartments.  As we have become more dependent on smartphones and computers to make many parts of our lives easier and more convenient, this connectivity and technology comes at a cost in terms of potential risks and liabilities.
 Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen.
 You've had a fire and many of your possessions have been singed to a crisp. It's time to file that homeowner's claim, but can you remember everything that was destroyed?
 As we experience more extreme weather and floods increase across the country, the National Flood Insurance Program is poised to make a shift in how it prices its policies that is expected to have a drastic effect on premiums for many homeowners.
 When you own a home, you may have extenuating circumstances and/or own property that your insurance may not cover.
 If you or one of your kids has a new drone and are excited about flying it, one issue that you need to be aware of is invading another person's privacy, particularly if you are flying it around your neighborhood and capture images of your neighbors and their backyards.
 During the winter months, driving conditions can become hazardous as the weather gets less predictable. In extreme conditions, it is better to stay off the roads altogether; however, this is not always possible. There are several essential steps you can take to reduce your risk.
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