If you’ve recently given birth (or are currently expecting) - then congratulations! We know how exciting and stressful this time can be for any parent, and we just hope your sleep schedule isn’t too out of whack.

The personal property coverage on your homeowners, renters, or condo insurance policy is there to protect all your belongings, but some high-value items may be subject to certain limitations. So what happens when your beautiful inherited china collection gets stolen, or your brand new engagement ring accidently falls down the drain?

Your apartment may feel like your safe space, but it doesn’t mean it’s exempt from all risks.

It’s not uncommon to think you don’t need renter’s insurance. Since you don’t own the property you rent, damages from what happens to it shouldn’t be up for you to pay for, right? Well …not exactly. While your landlord’s policy protects the building you live in, your personal belongings are not covered under that policy. You also aren’t protected in any way from getting sued by others.

So you've officially gotten engaged or tied the knot? Congratulations!

Selecting classes, buying books, and choosing a meal plan are just some of the steps students take to get ready for college. Parents, on the other hand, are worrying about how to pay for school, the safety of their child while away, and maybe even beginning to experience a little bit of empty nest syndrome. With all that hustle and bustle, making sure your child has adequate insurance coverage when going away to college can be easily forgotten.