Many of our readers are already asking how they should go about protecting their iPad once they’re able to purchase one. Considering that consumers will be paying between $499 and $829 for their iPad, and the portable (and thus heavily handled) nature of the iPad, most iPad owners want to be confident that their investment will be protected in the event of an accident. Although Apple’s... 

By Cheryl Jensen The Insurance Institute for Highway Safety revealed on Dec 20th  its picks for the safest vehicles of 2011. Sixty-six models — including 40 cars, 25 sport utility vehicles and one minivan — earned the Top Safety Pick award. Only 27 vehicles received that distinction last year after the Insurance Institute added a roof-strength parameter to its test criteria. As 2010 progressed,... 

By Barbara Crews You’ve spent years and a lot of money on your collection – but have you thought about insurance? What happens if something happens to your collection? What happens if a natural disaster strikes, will your insurance cover the loss of a collection? What about a simple case of clumsiness? Will your current insurance cover accidental breakage of a single piece or two? Unfortunately... 

By Sam Costello For small, expensive, often-dropped devices like cell phones, insurance is becoming an increasingly common add-on purchase. After all, if you spent $300-$400 on a phone, what’s another $50 to ensure that it will keep working for the life of you cell phone contract? Not from Apple or AT&T That thinking – and fear of needing to extend cell phone contracts to get new phones... 

While Americans are enjoying the holidays and most have time off from work, holidays are just another day at the shop for vehicle thieves. New Year’s Day was once again the leading holiday for reported vehicle thefts in 2009, while Christmas Day repeated as the holiday with the fewest reported vehicle thefts. For the 11 holidays reviewed in 2009, a total of 22,991 vehicles were reported stolen... 

By Glenn Curtis Homeowners’ insurance can be very expensive. Those that live in high-risk areas such as close to major waterways, known earthquake fault lines or other high claims areas will pay the most for coverage. In fact, those in high-risk areas are often forced to pay annual premiums in the many thousands of dollars. But even homeowners in relatively sedate, suburban neighborhoods (with... 

1. You’re a statistic. To an insurer, you’re not a person; you’re a set of risks. An insurer bases its premium (or its decision to insure you at all) on your “risk factors,” including your occupation, who you are, what you own, and how you live. 2. Know your home’s value. Before you choose a policy, it is essential to establish your home’s replacement...