Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen. 

The majority of grill fires are caused by malfunctioning gas grills. In addition, thousands of people visit emergency rooms every year because they have burned themselves while barbecuing. If a grill fire occurs at your home, will your homeowner's insurance cover it?

The Insurance Institute for Highway Safety has issued a warning over the increasing number of deaths from all-terrain vehicle crashes on public roads.

Between 2015 and 2017, 1,671 people died in ATV accidents on public roads — 90% of them males, according to a recent report. There are two factors that are contributing to this rash of deaths and injuries: young, thrill-seeking males, and a vehicle designed for off-road use traveling on public roads. Here's what you should do if you have or are planning to purchase an ATV.

While most people are understandably concerned about insuring their homes against fire loss, that risk is not what causes the most losses for homeowners.

A more common threat that accounts for more claims than fire is water damage. Two inches of water in a 2,500 square foot one-story home can cause almost $27,000 in damage. Here's how to prevent it and what you should know about what your homeowner's insurance policy will cover.