Patrick Harwood

Renters earthquake insurance is not a part of a basic policy. An earthquake, designated an unusual "act of God," is only covered if you have an additional rider, or floater policy, that covers this specific event. Unlike flood insurance,…

Commercial renters insurance is a common requirement because many businesses do not own their own properties; rather, they rent or lease the space in which they operate. If you need commercial renters insurance, keep in mind that some…

Passport insurance covers the insured against the replacement costs associated with a lost or stolen passport. When deciding whether or not to purchase passport insurance, consider that the cost of a U.S. passport renewal is about $110 and…

Worldwide travel insurance is a type of travel insurance sold on a time basis rather than a destination basis. This means the traveler is covered for travel to any country during a particular time period, usually one year. Such policies…

Paying for a trip usually requires a considerable investment of time and money. If something should happen that prevents you from taking your trip, travel insurance can help you recover some or all of the money you've spent. Travel…

When traveling internationally, you expose yourself to a number of risks that may not be covered by regular insurance policies. Because of this increase in risks, purchasing international travel accident insurance can provide you with extra…

Traveling anywhere with your family can be an ordeal and thousands of dollars could be on the line. Family vacations are meant to create lasting memories, but when something goes wrong, the only lasting memory could be the credit card bill…

International travelers can take steps to reduce the risk of financial loss due to a cancelled trip or other problems that may occur. Travel insurance is one way to manage the risks of international travel, but a consumer must understand…

Travel insurance typically covers problems that might arise on a vacation or business trip including cancellation, medical emergencies and lost baggage. But if you plan to live abroad, you will need at least a medical insurance policy that…

Choosing an insurance for student travel depends on numerous factors, including whether the student is traveling with a group -- such as a school group -- or alone or with friends. Basic coverage will include emergency medical and…