Reference Desk

About Auto Insurance

Most states require you to carry some kind of auto insurance. You're also required to provide proof of insurance before you can license your vehicle or renew your driver's license. Although coverage is mandatory, the amount and kinds of coverage can vary. Click here to learn about the different types of auto coverage.

About HomeOwner Insurance

Determine the amount and type of insurance that you need. The coverage limit of your house should equal 100% of its replacement cost. If your policy limit is less than 80% of the replacement cost of your home, any payment from your insurance company will be less than the full cost to replace your home -- you'll have to pay the rest out of your own pocket. Check our FAQ for additional information.

Take Inventory of What You Have

Chances are you've seen the news when a community, or family, is standing around looking at the rubble of what used to be their home. Perhaps a fire, or maybe a tornado came through to destroy every splinter of their house, leaving nothing behind but a painful memory. We hope you will never experience a loss of this type, however, we want you to be prepared in the event something does happen. Use this inventory list to build a record of the contents of your home.