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Brrr! Feeling a bit chilly? Space heaters are a popular way to get a bit of extra warmth at home or in the office during the spring, fall and winter months.

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While we covered the basics of homeowner's insurance last week, now we'll take a closer look at the contents portion of insurance policies, also known as Coverage C. This part of your policy applies to the contents of your home and can help to replace or repair those items if they are stolen or damaged due to any of the named perils that apply to your overall policy. But just because your homeowner's policy includes contents coverage doesn't mean you simply need to sign on the dotted line. You should take steps to make sure your coverage will truly be effective should the contents of your home and especially your most valued and important possessions be stolen, damaged, or vandalized.

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A question we are often asked by my customers is "Do I need to buy the insurance from the rental car company when I am renting a car?"

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For any homeowner, a robust insurance policy is a must. But if you're new to homeownership, or if you're thinking about updating your policy, you may not know much about what it does and doesn't cover, along with how to find the best policy for you and your family.

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