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 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... 

If you are one of the millions of people who rent an apartment, you should seriously consider getting apartment insurance. Do you think your landlord’s insurance will protect you if there is a fire, flood, earthquake or theft? Think again. Your landlord’s building insurance will not replace any of your personal items. Your landlord’s insurance only protects him and his building. Think... 

Who doesn’t like to save money? Did you know your home insurance is a great place to find savings? You’re most likely required by your mortgage lender to carry homeowners insurance on your house and home insurance costs can vary widely. Here are eight tips to help you start saving money with your homeowners insurance. Saving money when buying home insurance begins before you even purchase... 

If you secured a home loan with less than a 20 percent down payment, chances are your lender required you to buy mortgage insurance to cover its exposure in case you default. Once your equity position in the home reaches 20 percent, however, you will want to stop paying mortgage insurance (unless you have an FHA-insured loan, which requires premium payments to the government for the life of the... 

By Michele Dawson With the cost of insuring homes on the rise in recent years, now is a good time to examine your policy and look for ways to save money. The Insurance Information Institute, a non-profit organization supported by the property and casualty insurance business, attributes the increases to the mounting number of catastrophes, the high cost of home repairs, and the emergence of mold...