Often renters don't realize how beneficial an insurance policy that protects their valuables in a catastrophe such as fire or theft.

It is a huge mistake to assume that damage or loss of your property will be covered by a landlord's insurance policy!. Rental property owners commonly carry only enough insurance to repair or replace the building or structures. It is the renter responsibility to insure his or her own personal property..

If something catastrophic happened to your home (fire, tornado), would your insurance policy be enough to cover the cost of rebuilding it?

If your home is not insured up to its full replacement cost, you might have to come out of pocket to build it anew! Depending on how much time has passed since you first insured your home, how many and what kind of improvements you've made over the years, you may not be insured adequately to cover the full cost of rebuilding.

You might think a standard homeowners policy provides coverage for all your valuables, but most policies provide limited or no coverage for certain items — sometimes expensive ones.

If something catastrophic happened to your home (fire, tornado), would your insurance policy be enough to cover the cost of rebuilding it?

The American Academy of Pediatrics (AAP) has updated its car seat recommendations.

The AAP has now stated that infants and toddlers should be kept in rear-facing car seats for “as long as possible.”

The AAP had previously recommended that all babies be transported in rear facing until at least two years of age. Their new stance is that babies should remain rear-facing until they reach the car seat manufacturers maximum height and weight guidelines, regardless of the child's age.