Do you have enough liability insurance? If there were a vehicle accident for which you were at fault, and a child were permanently disabled, would your auto liability policy offer enough coverage to pay for the skilled care the child would need for years to come? If a young parent were killed in a freak fall on your property, would your insurance cover the support he would have provided his children as they grow up? We'd all like to believe that such catastrophic losses would happen only to other people. But there is nothing we can do to totally eliminate the risk of this type of event in our own lives.

Believe it or not, there’s a powerful source of fire right inside your home: electricity. From old defective wiring to overloaded outlets, there are electrical fire hazards everywhere we turn.

As a matter of fact, more than 40,000 residential fires are caused each year by faulty electrical wiring, according to the United States Consumer Product Safety Commission (CPSC). Tragically, defective electrical wiring systems have claimed an average of 350 lives a year for the past decade.