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A recent report from the Insurance Information Institute (I.I.I.) highlighted the importance of properly insuring jewelry, and what owners can do to obtain sufficient coverage.

The report spoke specifically about insuring valuables, such as jewelry, and the steps that owners can take to protect these precious items. According to the I.I.I., a standard home insurance policy does typically include coverage for personal valuables like jewelry, but a standard policy may also include a dollar amount limit that may not cover the entire cost of replacing the jewelry in the event of theft, for example.

“To properly insure jewelry, consider purchasing additional coverage through a floater or an endorsement,” Jeanne M. Sal

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A recent report from the Insurance Information Institute (I.I.I.) highlighted the problems that the state of New York is currently facing as a result of fraud and abuse that is exploiting its no-fault auto insurance system.

According to the I.I.I., the total bill for fraudulent claims and abuse of the no-fault system in New York in 2010 was $204 million. Who footed this bill? Why, honest drivers in New York, of course, along with auto insurance companies. This $204 million created, in essence, a “fraud tax” of a whopping $1,311 per claim – or 15 percent of each no-fault claim – the I.I.I. report noted. (Relate

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A new bill that would ban the act of texting while driving in Maine is working its way through the State Legislature.

Senator Bill Diamond is sponsoring LD 736, legislation that specifically aims to prohibit texting while driving. The bill would ban sending electronic communications, including text messages, instant messages and e-mails, using a portable electronic device while operating a motor vehicle.

Using global positioning or navigation systems would not be included on the list of prohibited activities.

Violators would be fined a minimum of $100.

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Life insurance for seniors is really crucial. If you are thinking that your young children have settled well and have moved on in their lives and everything is taken care of, then you might be mistaken. It doesn’t mean that you don’t call for an insurance policy just simply because everything is fine. You still will need a financial cover.

If there is certainly nobody in your family needing financial assistance and if all the expenses are taken care of prior to you leave this planet which includes your burial expenses, then that is a diverse story. But if that’s not the case then it really is high time you know about the life insurance for seniors.

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Domestic burglaries have risen by 14%, according to new statistics from the Home Office.

Worryingly, it is also widely expected that burglaries will continue to become more frequent due to the warm weather leading people to spend more time in their gardens and leave windows open.

According to home insurer Ageas almost half (47%) of adults do not keep their front doors locked when they are at home and 13% only lock their front door during the night.

Managing Director Mark Cliff said that the notion few burglaries happen when the home is occupied is nonsense, and that some imprudent homeowners leave themselves open to opportunistic burglars who take advantage of open windows and unlocked doors.

Recently, AXA Insurance warned of a surge in burglary during the forthcoming Royal Wedding, which is expected to see 40% of people out of the house and 21% enjoying a party at home.

Unfortunately, burglars have an eye for such occasions, including New Year’s Eve and Guy Fawkes Night, which tend to see spikes in burglary.