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If you are renting out a property, you already have a lot on your mind: not least, ensuring the home is occupied by good tenants and that they pay the rent on time.

But you also need to protect that investment with landlord's – or rental property – insurance, rather than a homeowner's policy. If you are renting out a property and have it covered with a simple homeowner's policy, it would make it difficult to collect on a potential claims payout.

California's insurance commissioner has proposed regulations that would bar auto insurers from using a driver's marital status when setting private passenger auto insurance rates, reversing a long-standing practice that can add nearly 10% to the cost of an auto policy for unmarried drivers.

The proposal could affect what single, divorced and widowed motorists pay for coverage. Here's how it would work and how it could affect your auto insurance premiums.

Are you considering buying a vacation home … a nice place by a lake or up in the mountains where you can go to get away from it all?

Just as when you bought your primary home, you'll need insurance that is specific to a vacation property — a place at which you won't be living permanently. So for that reason, you'll need a policy that is slightly different from a typical homeowner's policy.

If you don't get the right kind of coverage, you could be setting yourself up for problems if you ever have to file a claim in the future.

As autumn approaches with its heavy rains and storms that are becoming increasingly unpredictable. If a particularly heavy storm hits, you can lose outdoor furnishings and see parts of your house damaged by winds or falling trees or branches.

Also, you can lose power for minutes, hours and in some cases days if the electrical grid is damaged badly enough. You should start now to make sure your home is properly protected against them. Here's how.

If you're moving to another city or state, don't forget about your Medicare coverage. Depending on the type of coverage you have and where you move, you may need to change plans. Medicare gives you a limited window to do so.

Moving outside your Medicare Advantage or Part D plan's service area generally qualifies you for a Special Enrollment Period, which allows you to change plans without waiting for Medicare's annual open enrollment period.

Here's how it works and how we can help.

Besides improving our overall physical health, exercise can provide a boost to our mental health as well.

Exercise has been proven to lift people's spirits as it releases endorphins in our system that can brighten our outlook and reduce our stress. The good news is that you can turbo-charge the mental health benefits from your exercise regimen if you take a few extra steps that may provide you with more enjoyment, boost your social activity and calm your senses.

Autumn is a wonderful time of year and comes with colorful fall and harvest festivals and, of course, Halloween celebrations. 

During all the festivities and fun, it's a good idea to take precautions to make sure that all family members, including pets, enjoy a safe experience, particularly during Halloween. The most important thing is ensuring that your kids are safe when trick-or-treating, but Halloween parties can also pose risks to your family, guests and property.

Here's how to keep everyone safe.

Is caffeine part of your everyday routine? Maybe you rely on it to get through that afternoon slump or a night shift at work.

It's estimated that 90% of U.S. adults ingest some form of caffeine every day, and for most it's in the form of coffee or espresso drinks. While caffeine often gets a bad rap, recent studies suggest that it improves your mood and may help you live longer, as long as you aren't guzzling the stuff.

As millions of baby boomers in the United States reach old age every year, experts predict the number of long-term care patients will double over the next 30 years.

This means that if individuals don't have a long-term care plan in place, they and their families may have to face some tough choices down the road. This article explains why a long-term care plan is critical for every boomer.

Dying can be an expensive business. Many families are burdened by the final expenses for loved ones and sometimes they are stretched to make the final preparations. 

But you can help your family by securing final expense insurance, which is designed to cover the bills that your loved ones will face after your death. Costs include medical bills and funeral expenses. That said, if you are considering this type of insurance, you have to make sure you get it right.

California has approved a statewide Zone 0 wildfire standard that establishes requirements to reduce combustible materials immediately around homes in areas with elevated wildfire risk.

The California Board of Forestry and Fire Protection approved the regulations on Aug. 19, 2026. The rules apply to properties in State Responsibility Areas and Very High Fire Hazard Severity Zones within Local Responsibility Areas and affect an estimated 2 million homes. What is Zone 0 and will your insurance company accept the new standard? 

It pays off to review your current Medicare health and drug coverage during the annual Open Enrollment Period, which runs from Oct. 15 through Dec. 7. If you are enrolled in Medicare Advantage or a Part D plan, you should also take this time to look at your plan to ensure your doctor is still in the insurer's network and any medications you need are still covered. If not, you may want to look at other plans.

There's a lot to consider during this time. Here are the options you have.