A significant improvement in the production of the incandescent light bulb. Learn more here.
Personal Injury Insurance
"Personal Injury" is a legal term that means an injury to the body, the mind, or the emotions. It's different from property loss.
A homeowners or renters insurance policy is one of the most comprehensive tools of wealth management (risk management) of asset protection available on the market.
Get a renter's (or condo) policy with liability coverage that extends over to personal injury.
With personal injury coverage on your homeowners policy, the policy will pay to defend you. (no deductible assessment, no out-of-pocket). If you are served with a lawsuit, the first thing you should do is call your insurance company.
Make sure that you have personal injury coverage.
Approximately $40-50/yr (cheap in comparison to some attorneys that charge $250-$300/hr)
false arrest, wrongful eviction or entry, invasion or violation of privacy, slander & defamation
Get trip cancellation & trip interruption coverage.
Trip interruption gives you the evacuation in the event that you become ill. Many health policies will not do that. Travel insurance must be made within 30 days of your travel purchase. AIG Direct Travel has a great travel policy and it's done directly online.