One frequently-asked question we receive from our policyholders and agents is: Are rented vehicles covered by the personal auto policy?

If you’re like me, you carried around paint samples and fabric swatches for weeks before finally settling on the choices. Now that my room is coming together, I’m still in love with the color scheme I chose.

Surprises are great — but not when you’re closing on your new home. Even if a house passes a pre-close inspection, environmental hazards like mold, asbestos, radon, and lead may still be lurking. According to 2013 data from the Environmental Protection Agency and the Department of Housing and Urban Development, more than 30 million American homes pose “significant” health issues.

There is a lot we can do to ensure our family’s health and safety. In our daily lives, we can encourage healthy habits and identify potential safety hazards to avoid. Looking toward the future, we can seek home, vehicle, and life insurance in case of an emergency. While there are so many situations we can -- and do -- prepare for, there are plenty we overlook. A sudden disability, for example, is an occurrence that families rarely plan for, and it can be emotionally and financially overwhelming. It’s important to understand all that’s involved when a family member is disabled after an accident or is diagnosed with a physical impairment.

For many families, summer vacations are the highlight of their year. Hectic schedules are put aside for rest, relaxation, and quality family time. No matter where you go this summer, family memories will be made that will last a lifetime.

While summer is a great time to enjoy many outdoor activities, it can take a toll on our pocket books because of increased utility costs. Air conditioning units and dehumidifiers are working overtime to keep our homes comfortable. With the kids home from school, electronic devices are used more often, and family vacations can lead to more laundry.

Every year millions of Americans enjoy celebrating America’s birthday with family and friends. Back yard barbeques, pool parties, and boat rides are a few of the activities we enjoy during the day. When the sun goes down, booms, crackles, and pops fill the warm summer air and magnificent firework displays can be seen for miles.

Traveling with your family is a great way to create memories that will last a lifetime. Whether traveling to a new destination or a traditional family destination, planning for each trip is important.

Most parents would agree that the safety of their family is a top priority as they make purchases for the home. Smart home devices are helping parents protect their families in entirely new ways, making their lives safer and healthier, while providing peace of mind as well. Here are some of the best types of smart devices for keeping everyone safe.