As homeowner's insurance rates are on the rise, you may be looking for ways to reduce your annual premium without skimping on coverage. After all, a large portion of your net worth resides in the same place as you do. 

But there are a number of strategies you can use to chip away at your overall annual premium, as this article explains.

If you have a teen driver, you already know you are paying more for their insurance than your own due to their inexperience and the greater likelihood that they will be involved in a traffic accident.

Their inexperience coupled with still-developing judgment and the distractions of smartphone life are a concoction for a higher risk of accidents. What all this means is that you as a parent have the responsibility for supervising and monitoring your teen's driving and regularly reinforcing good driving behaviors. Here is how you can do that.

If you have a boat or are considering buying one, you should understand your insurance obligations and what is permitted under your coverage.

Owning a boat opens you up to a whole new set of liabilities, particularly property damage to a third party or physical injury to someone else.

In this article, we look at a number of insurance, risk and liability issues that can arise when you own a boat.