Insurance is one of those things that we often don’t think about until we need it. For most people, it’s out of sight and out of mind—until something valuable is lost, stolen, or destroyed. That’s when the reality of coverage…
Insurance is often thought of in purely financial terms—dollar limits, deductibles, replacement costs, and claims checks. But if you’ve ever lost something truly special, you know the emotional cost of that loss can far outweigh the financial hit. Some items…
When most people think of a Personal Articles Floater (PAF), they assume it’s for jewelry or fine art. While those are common uses, a PAF can insure a wide variety of valuable property. It offers customization and protection far beyond…
Many homeowners assume their standard policy fully protects their personal belongings. They believe the personal property section covers them. Unfortunately, this assumption is only partly true. Many realize the gap only after a loss occurs. To safeguard valuable items, homeowners…