Anna Townes, LUTCF

Your landlord's insurance generally only covers the building where you live - not your personal belongings and your liability.

Everyone could likely use life insurance at some point, but did you know that one in two Americans will need prolonged medical and personal assistance at some point in their lives as well? That's a fifty percent chance! With those odds, plus the very high costs of long-term care, the best time to think about helping protect your loved ones and your future is now.

Some insurers increase premiums for cars that have higher rates of damage or occupant injury. And cars that do better in safety tests? They're more likely to get you lower rates.

Each year, about 1.5 million animal-vehicle collisions cause about $1 billion in damage, according to the Insurance Information Institute for Highway Safety (IIHS).

Each year in North America, more than 100,000 home fires start in the kitchen, killing hundreds of people and injuring thousands.