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If a tree falls in your yard, your insurance agent might not hear it. You probably bought your home policy years ago, then stuffed it in a file somewhere. Will it be there for you when you need it? Here's how to protect yourself: 1. You'll probably have to fight to get a big claim paid. Homeowners who suffer a loss of $30,000 or more get the most pushback from their insurers over damages, coverage and slow payouts, ShopSmart's recent survey data shows. But the coverage of huge losses is exactly why you buy home insurance. Protect yourself. You can cut your odds of a fight by doing business with an insurer that pays its claims. The best carriers for claim-payment satisfaction are Amica, Auto-Owners and USAA, according to the most recent Consumer Reports National Research Center survey of 9,905 subscribers who filed homeowner claims from 2010 through the first six months of 2013. Continue Reading

Save money and get the right insurance coverage for your business with these tips. * Premiums for fire, casualty and burglary insurance on business property are all deductible for tax purposes as trade or business expenses. If a business taxpayer has a self-insurance plan, however, all payments into the self-insurance reserve will not be tax-deductible for purposes; the actual losses incurred by the taxpayer would be the deductions. * Premiums for life-insurance are tax-deductible. But premiums paid on a policy covering the life of an officer, employee or other key person are not deductible if the business is a direct or indirect beneficiary under the policy. Premiums paid on a life insurance policy of which the business is a beneficiary are not deductible, since life-insurance proceeds would not have to be included in taxable income when received by the company. Other Tips * Before speaking with an insurance representative, write down a clear statement of your expectations. * Do not withhold any important information from your insurance representative about your business and its exposure to loss. Treat the individual as a professional helper. * Get at least three competitive bids using brokers, direct agents and independent agents. Note the interest that the representative takes in loss prevention and suggestions for specialty coverage. * Avoid duplication and overlap in policies; you will be paying for insurance you do not need. * Ask your insurance firm if it's an "admitted insurance company." If so, it should have a solvency fund should a catastrophe put the insurance company in danger of going under. An unadmitted carrier has no such solvency fund. * The small businessperson should not consider any form of self-insurance. The pool of funds necessary to safely insure losses is extraordinarily large

Few personal milestones compel someone to buy life insurance coverage like becoming a parent. In the event of an untimely death, life insurance can serve as a financial safety net to ensure there's money available to pay for everything from medical bills to a home mortgage and future college education costs. Many Americans have taken steps to line up such a financial cushion. At the end of 2012, 146.2 million individual life insurance policies were in effect, with coverage totaling $11.2 trillion, according to the American Council of Life Insurers. Yet the distribution model has changed during the past few decades, and fewer Americans are relying on local financial advisers in their community to look at their overall financial situation and recommend a life insurance strategy, said Brian Bulakites, national sales manager for life insurance for Henrico County-based insurance company Genworth Financial Inc. The Internet has enabled consumers to shop more widely for insurance, but it might also cost them the face-to-face advice that can be helpful, he said. "The biggest thing we see in our industry today is that people don't have advisers," he said. "You want to find an adviser that you can build a relationship with - somebody that you can trust."