Many homeowners employ an employee, whose duties are related to the maintenance or use of the owner’s home, including household or domestic services. Unfortunately, many of these same homeowners do not fully understand the risks associated with employing a domestic employee, or whether such risks...
If a coin comes up tails 100 times in a row, is it more likely that the next toss of that same coin will be heads? The answer is no. Since, as they say, "a coin has no memory," the first 100 tosses do not...
Most people believe their standard homeowners’ insurance policy is all they need to protect their property. While this may be true in terms of protecting their dwelling and other structures, the same may not be the case when it comes to protecting their personal property....
When it comes to personal insurance, some people are content with their standard automobile and homeowners’ (or renters’) insurance policies. Others, however, believe additional insurance is necessary to adequately protect their interests. Whether these people are naturally more risk averse, or they understand that an...
