Buying insurance probably feels like a one and done deal. You pick a policy and as long as you pay your premiums on time, you don’t have to think about it again – until you realize you’re paying too much or your policy doesn’t cover a claim. Too many people treat their insurance this way. They miss out on adding new coverage or removing old coverage as their life progresses. They either pay too much or don’t have the insurance they need, when they need it.

There’s a better way. When certain things happen in your life, you need to call your insurance agent to make sure you have the right type and/or amount of insurance coverage. Here are the big life changes that warrant a call.

You know you need auto insurance, but the premiums were too high one month. You skipped a payment and now your policy has been cancelled. Your former provider won’t sell you a new policy. When you call around, you find out there are penalties for lapsed coverage.

What does that mean, and how do you fix it? Here’s what you need to know about lapsed auto insurance coverage.

A clean and organized house is a happy house. Or, at the very least, a less stressed house because no one can find their shoes, you nearly tripped walking up the stairs, and you can’t find your keys.

At this point, you’ve probably heard a million times about the dangers of cellphone use and texting while you’re driving. It’s a deadly distraction when you’re behind the wheel and a product of the time we live in. But those aren’t the only causes for danger when you’re on the road. From loud music to getting lost in thought, there are plenty of distractions for you that can be dangerous and lead to accidents.

You can’t wait to get the kids out on the boat this summer. They can’t wait either. It’s fun. It’s freeing. And you worked hard to have this opportunity.

Have you taken precautions to keep your children safe, though?

As they get older, you may have less to worry about, but as a parent, wanting to keep our kids safe never goes away. Out on the boat, no matter how old they are, is no different. Take a look at our tips for keeping your kids safety when you take them out on the boat this summer.

For some people, spring means throwing off the thick coats, getting outside, and enjoying the warmer weather. But for other people, it means dusting off the pruning shears, the shovel, and your garden hose. They can’t wait to feel the moist soil under their fingers, get a little sun on the back of the neck while bent over the plant beds, or prune and weed their yard back into shape.

If this is you, take a look at our list of spring landscaping tips to help you get your yard ready for spring.

Dog bites and other related injuries account for a third of all homeowners insurance liability claims. You may be looking at your sweet furbaby right now, unable to believe he or she would ever do such a thing. Every dog is capable of biting someone under the right circumstances. Even the gentlest dog may bite while defending their owners, food, territory, or puppies.

So many of us have been driving for longer than we care to remember. We have our own styles, and we know what works for our vehicle. Did you know that some of our driving habits are making us less safe and damaging our cars? That means higher repair bills and more accidents.

Take a look at few common driving mistakes you’ll want to avoid to keep your car on the road as long as possible.

Even the best moments can go bad without warning. Imagine your next house party. You invite your friends, family, and the neighbors. The food is delicious, the kids have fun in the pool, and everyone is having a good time.

Until someone falls and gets hurt or eats bad dip that got a little warm. They’re sick or hurt, but they tell you when it happens that everything is fine. “Don’t worry about us,” they say. So you don’t. You apologize and bring them chicken soup but you don’t think much else about it.