auto insurance - finding the right balance

There isn't much that's as frightening as letting your teenager out of the house and behind the wheel of a car for the first time. But opening up the first car insurance bill after you add your teen driver to the policy could be nearly as frightening. It's no secret that insuring a teenage driver isn't cheap. Teenagers are three times more likely than drivers over 20 to be in a fatal car accident, making them a much riskier group to insure than any other age group.

Whether you just started working for a small trucking company or a huge fleet operator, keeping your truck safe when you're off-duty is essential. Your trucking company's insurance covers you during business hours, but it may not cover you when the truck is on your private property, or when you use it for personal use. In this case, you need to obtain non-trucking liability insurance and physical damage coverage for your personal protection.

As a homeowner, you breathe a sigh of relief when you know that your homeowners insurance is current and paid in full. It gives you a certain peace of mind that if anything were to happen, your policy would cover your loss. Unfortunately, that is not always the case. There are certain things that can easily occur in, and around, your property that just may not be covered. The good news is, that there are riders, as well as supplemental policies that you can purchase that will cover these and more.