As a consumer, making smart insurance decisions is crucial. You need answers to your questions about the kind and amount of coverages you need, what's covered and what's not, what a policy really says, and how to file claims.

Welcome to our insurance research center! We've put together a library of information on important topics that we believe you'll find helpful.

Simply click on one of the topics on the menu bar to your right and you'll find a selection of easy-to-understand articles and information sheets about related insurance concepts. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.

HOME INSURANCE

The 17 Perils Actual Cash Value vs.Replacement Cost Understanding Deductibles Documentation of Valuables Expanding Coverage Floaters for the finer things Flood Insurance Insuring a Home Liability Coverage The Basics of Homeowners Insurance Cover yourself an Umbrella Liability Insuring a Condominium Special Circumstances Renters Insurance

VEHICLE INSURANCE

On the move: Auto/Vehicle Insurance Protection Auto Insurance Basics Additional and Optional Coverage Who's at fault Premiums and Discounts What to do after an accident Getting your car back Using your personal car for business Risky Drivers Adding a teen or college-bound driver Motorcycle Insurance Watch the Hull Specialty Policies Insure Fun Aviation Insurance

RISK MANAGEMENT

Term Life Insurance Whole Life Insurance Universal Life Insurance Variable Life Insurance Auto Insurance Insurance Claims Maximizing Insurance Benefits Insuring your future Protecting your home Accessing disability insurance Types of Health Care Additional Liability Coverage HMO's and PPO's Evaluating Insurance Companies Long-term Care Costs Medicare Coverage Long-term Care Needs