Personal Perspective

Motorcycle owners have different insurance issues than auto owners. When searching for the right coverage, bikers should consider these issues: - Custom Equipment and Apparel Coverage. Customized equipment and apparel, including custom paint, chrome additions, saddlebags, helmets and jackets are costly to replace if damaged in an accident. Make sure to include them in your insurance plans.

Determining a coverage limit for the physical structure of your home is not easy. However, there are numerous resources available to help you get as close as possible to an accurate estimate for the cost to replacement cost. What often proves more difficult and surprising to homeowners is determining a coverage limit for their homes’ contents. Some people just don’t realize how much stuff they have!

Millions of American families are eligible for health benefits provided by both spouses' employers. Many choose to purchase benefits from both, hoping to recoup more expenses between the two policies. This practice can be pricey and, at times, useless. The Wall Street Journal says families who don’t consolidate under a single employer-sponsored health plan are often unaware that such policies are designed to prevent redundant coverage. In other words, you often can’t get payment for one incident from two insurers. Only in isolated cases is it worth paying the additional premium for a secondary insurer who offers essentially the same benefits as the primary.

As the summer approaches and brings the heat, let us not forget one of our most basic human intuitions: When the body gets hot, submerge in water. Pool parties! A ride down a neighborhood street on a Saturday can often reveal exactly who on the block owns the pool. Kids, and adults pretending to be kids, gather for food, fun and an escape from the heat.

Water damage is one of the leading causes of homeowners insurance claims in the U.S. Many times, the source of a leak could have been easily detected and remedied for a fraction of the cost of replacing the damaged materials. If you are a homeowner, there is no time like the present to inspect your home for leaks.