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... analysis of claims incidence at Travelers, a leading provider of boat and yac...nd. For more information, visit www.travelers.com.

Keeping in mind that there are many types of coverage and each individual consumer will have different specific insurance needs, there may be several reasons to consider consolidating your various policies with a single carrier. For most people, the pros of consolidation usually outweigh the cons, but here are some points from both sides: Cost. Consumers often find there's a cost benefit in consolidating their coverage with a single carrier. While the exact number will vary from company to company, it's very possible to save 15% or more. Specialist companies still exist, but many generalist insurers have diversified their product lines to include an array of business and personal insurance and financial products. Since an insurance carrier is gaining customer loyalty and reducing their marketing costs when an existing customer purchases additional products, they're usually willing to pass a portion of their savings on to their consumers. Gaps. Depending on the types of coverage you've purchased and your unique situation, certain coverage gaps could be reduced when you consolidate your insurance portfolio. Take purchasing General and Professional Liability through the same carrier as an example. An accountant, for example, would have little risk of their professional services leading to property damage or bodily injury, but a travel agent, for example, routinely makes professional recommendations that could have physical consequences for their clients. The travel agent might be unaware that a lodging they recommend to a client is undergoing renovations. The client slips and falls due to unsafe conditions and sues the travel agent for not knowing the condition of the lodging before recommending it. If the travel agent has General and Professional Liability through two different carriers, then he/she may find the two carriers pointing the finger in opposite directions and disclaiming coverage. Whereas, if the travel agent has both coverages under the same carrier, then the disclaiming concern is moot since there isn't another company to point the finger at. Tailoring. Many carriers have learned to anticipate the common problems associated with coverage gaps, such as in the example discussed above. These carriers have created tailored packaged policies or programs with multiple different coverage options. These options interlock, but don't unnecessarily duplicate coverage or dangerously leave gaps between coverages. Umbrella policies perform best when written by the carrier of your primary coverage(s). Cons. As with most everything in life, there are cons to consolidation. It's important that you look at the financial strength of the insurance carrier. If an insurance carrier is poorly rated by any of the rating services that monitor insurers, then the increased risk of going with an insurer that has questionable financial strength might outweigh any of the cost, gap, and tailoring pros. Another con is that the insurer might quickly change their hunger for a certain product and leave you having to find replacements for multiple policies. Research the company's track record - have they typically stuck it out during bad and good times or have they timed the market to make a quick dollar and exit? Although most generalist insurers have diversified their offerings, it's possible to miss out on some coverage benefits still only being offered by specialists. In closing, consider the above points and how each could or wouldn't meet your needs. In most cases, you'll find that coverage consolidation and the right carrier creates a winning scenario for all parties involved. Content provided by Transformer Marketing.

Previously I covered strange insurance policies, so in this article I wanted to give you a overview of standard insurance policies.

... stressful part of the vacation. Travelers offers some packing and driving tip...

When you  think of insurance, the typical ones come up.  Auto insurance, health insurance, homeowners insurance and business insurance.  Some people may have even heard of umbrella insurance, flood insurance, farm insurance and so on. But we want to share with you about some of the more uncommon types of insurance that are out there. Cold Feet Insurance.  That's right.  If your spouse-to-be happens to get cold feet right before the big day, reimbursement could be in order.  However, there are some conditions:  The change of heart has to happen a full year before the wedding and the reimbursement will be sent to a third party (such as parents). Fantasy Football Insurance.  Football lovers all over are excited about this one!  FantasyPlayerProtect.com allows fantasy players to insure their teammates. Multiple Birth Insurance.  Oh boy, a bundle of joy is coming your way!  And then you find out you're having 3 bundles of joy!  The insurance will pay out a lump sum to parents who were expecting 1 bundle of joy.  The condition is that you did not use a fertility treatment. Divorce Insurance.  Splitting up assets and debts and adding legal expenses to the mix, divorce can get costly.  Divorce insurance will help with a payout in case of divorce. Chicken Insurance.  Yes, you heard me correct.  Pet insurance has been popular for all of the dog and cat lovers for years, but now some insurance companies have included the not-so-common pets such as chickens and mice. Kidnapping Insurance.  For companies who have overseas employees to people who travel to third world countries, kidnapping insurance is there to help cover the costs associated with kidnapping, including negotiators fees, travel expenses and the ransom itself. Drunk Guest Insurance.  For everyone who loves to entertain at your home, this one's for you!  The formal name is social host liquor liability coverage and this will provide coverage for an intoxicated guest who destroys property or harms another person.  Most homeowners insurance policies have something like this in the policy. Infertility Insurance.  You really want to have a baby and in-vitro is a viable option.  The costs of fertility treatments can be excessive.  Infertility Insurance will help you out with your dream, but only if you live in one of the fifteen states that offer this special insurance. Golf Insurance.  This kind of insurance is popular throughout Asia and Europe. Bedbug Insurance.  Typical homeowners and renters insurance won't cover the costs associated with a bedbug infestation, which can add up to the $1,000s.  Most bedbug infestations occur during travel, so when you sign up for travel insurance, make sure you have a bedbug rider. Scurich Insurance Services can help you out with many types of insurance policies.  Give us a call today! Content provided by Transformer Marketing and http://money.msn.com/insurance/10-crazy-insurance-policies-you-didnt-know-existed

Most people mistake long-term care and long-term care insurance with nursing homes. In fact, it is just the opposite. In 2007 there were just over 1.5 million Americans receiving some form of home health care.

Vacations are for reducing stress, not adding to it. Before you hit the road, here are a few simple precautions to help you choose – and share – your adventures safely. #1: Make copies of your ID and passport Photocopy your license or passport in case either is lost or stolen. Bring a copy and store it separately from your original, and leave another with a friend or relative. The U.S. Government also offers the Smart Traveler Enrollment Program, a free service for U.S. citizens and nationals traveling abroad. It allows you to enroll your trip with the nearest U.S. Embassy or Consulate and can assist you in case of an emergency, such as if you lose your passport or if it is stolen while you are abroad. #2: Streamline your wallet Lost wallets are the leading cause of identity theft. Only carry the card(s) you plan to use on your trip. Leave your checkbook and the rest of your cards at home. If you decide to bring more than one credit card, consider stashing the extra, along with account information and customer service numbers for the cards you have with you, in a hotel safe or other secure location, in case you lose your original. #3: Check out guides before you book Look into online reviews before you book that zip-lining, parasailing, or river rafting trip. Seeing what others have to say about the company can help you choose a safe and well-run adventure. #4: Travel like a local Know your surroundings and plan your route in advance. Be aware of how the locals talk and dress, and consider whether certain actions will make you stand out as a tourist. #5: Check the weather Take steps to protect yourself from lightning, hail, thunderstorms and tornadoes by monitoring the local weather and packing the appropriate gear on your outdoor adventures. Keep tabs on the weather at home to make sure your property is protected. #6: Avoid oversharing online Posting photos or checking in on social media sites advertises your absence from home. Real-time updates can be tempting, but wait until you return safely home before sharing your adventures.

...es, or loss of computer data. A Travelers study found that 48 percent of smal... 48% of business owners surveyed by Travelers in 2012 said they have no plan i...