Stephanie Ehman, CIC, CPRM, CISR, CPSR

Accidents happen, and sometimes the other driver involved may not have insurance. In these situations, Uninsured Motorist (UM) Coverage can be a crucial part of your auto insurance policy, protecting you from financial loss when the at-fault driver can’t pay. What is Uninsured Motorist Coverage? UM coverage helps pay for your medical bills, property damage, and other related expenses if you’re hit by a driver who has no insurance. It can also protect you in hit-and-run cases where the...

Life insurance often takes a back seat in retirement planning discussions, but it can play a crucial role in securing your financial future and protecting your loved ones. It is important to start planning for retirement early so that you will have enough for your future. One common goal is to have enough income to maintain the desired lifestyle and maintain financial solvency during retirement. Life insurance ensures that your spouse won’t be stuck with a mortgage, if something were to...

Swimming pools and trampolines can make a backyard more enjoyable, especially for families. However, they also come with increased risks — and serious liability concerns that homeowners need to understand. Both pools and trampolines are considered "attractive nuisances" by insurers. This means they can attract children — even trespassers — and pose a high risk of injury. As a homeowner, you can be held legally liable if someone is injured using them, regardless of whether they had your...