What gets people into trouble are small claims several times a year. It indicates there's a pattern there.

The risk of flooding is higher than most people think. You should talk to your agent about the possible risk of flooding. Floods happen every year outside of designated flood zones so everybody should take this risk very seriously. ... Make sure you have enough to rebuild your home and enough to replace what's in it.

If your dog accidentally injures somebody or damages their property, you are covered under your insurance policy.

If you lend out your car ? you have given someone permission to drive and they get into an accident ? you are responsible as the owner of that car.

You don't want a situation where you have to prove that you had a $10,000 Barbie doll collection after it's destroyed.

We're expecting premiums to moderate ... and (the growth rate) will probably continue to slow except in some parts of the country.