Consumer Corner
Demystifying Insurance to Ensure Proper Coverage
Last Updated on October 1, 2025 by Daily News Staff
Demystifying Insurance to Ensure Proper Coverage
(Family Features) Home and auto insurance are among the things many people buy but hope to never use. Proper coverage provides peace of mind that an accident, weather event, natural disaster or unexpected injury or illness won’t cause financial ruin. However, many Americans are uninsured, underinsured or paying too much for coverage.
Data from the Insurance Research Council cited by the National Association of Insurance Commissioners shows 12.6% of U.S. motorists are uninsured – approximately 1 in 8 cars on the road. For uninsured drivers, plus those involved in accidents with them, fender benders or worse can result in out-of-pocket costs.
Homeowners need to be properly insured, as well. According to the National Centers for Environmental Information, the U.S. has experienced more than 350 weather events or natural disasters since 1980 that have caused more than $1 billion in damage. Even small thunderstorms can send tree branches into homes, causing thousands of dollars in damage. For home and auto insurance, consumers should be sure their policies cover replacement and repair costs at today’s market rates in addition to liability coverage for personal injury and other damages.
Insurance helps bridge these gaps, but it’s common for people to renew policies without checking them. Because insurance policies are often seen as complex and confusing, that may prevent people from purchasing proper coverage.
A 2022 survey from realtor.com found only 56% of homeowners knew what to look for in their homeowners insurance policy when they bought their homes, and 15% didn’t have any idea what to check. In addition, Forbes Advisor reported 40% of drivers believe they had coverage that doesn’t even exist.
Consider these challenges consumers face when shopping for and comparing insurance policies and providers:
- Industry Jargon and Lingo – When you visit a website or talk to an insurance agent, you may feel like you’re speaking a different language with terms like “deductible,” “premium,” “co-pay,” “additional insured,” “aggregate limit” and “co-insurance.”
- Bait and Switch – Insurance carriers sometimes advertise low rates, but your rate may be higher than expected when you apply, often with no explanation.
- Fine Print – “Sorry, that’s not covered.” These can be chilling words to hear when you’re hoping your insurance policy comes through for you in a time of need. An explanation may be deep within the policy, but you may need a magnifying glass to find it.
- Transparency – Many decisions that affect rates and coverage may seem to be done behind a curtain, such as rates in comparison to neighbors, remodeling impacts on rates, rate changes based on age and more.
- Apples to Oranges – With many moving parts within the average policy, it can be difficult to compare rates and coverage.
Improved technology is helping solve some of these issues and deliver an improved experience. A decade ago, the only way to compare insurance rates was to make phone calls, meet with agents and read brochures. Even with the internet, you still need to visit multiple websites and take notes, often entering the same personal information time and time again.
Today, insurance marketplaces, like the flagship platform from Guaranteed Rate Insurance, make it easy to compare multiple carriers, all at once, with a single application. Customers enter basic information to receive quotes for home and auto insurance coverage from more than 50 top-rated carriers, allowing for a quick, side-by-side comparison of coverage options.
“The primary benefit insurance delivers is peace of mind,” said Jeff Wingate, executive vice president and head of insurance for Guaranteed Rate. “If the relationship between an insurance provider and customer begins with stress, confusion and frustration, the provider isn’t delivering the desired service. That’s why we made it easy for consumers to make informed decisions about rates and coverage from trusted and reliable providers.”
Life insurance, umbrella, jewelry, flood, pet, landlord and earthquake policies are among the other coverage options available for comparison. Coverage benefits are easy to read with clearly explained terminology and experienced agents standing by to answer questions or assist with purchasing a policy.
To find more information and explore the insurance marketplace, visit rate.com/insurance.
Photos courtesy of Getty Images
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Guaranteed Rate
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video games
Basic Fun! Unveils Category-Defining Home Arcade Collection for Fall 2026
Basic Fun! is launching a new Arcade1Up home arcade collection for Fall 2026, featuring PAC-MAN and Ms. PAC-MAN cabinets, alongside the first-ever SONIC THE HEDGEHOG cabinet marking a partnership with SEGA. The lineup aims to deliver authentic arcade experiences without quarters, appealing to both nostalgic fans and new players.
Last Updated on March 16, 2026 by Daily News Staff
Basic Fun! is hitting “start” on a new chapter for home arcade.
In a Feb. 14, 2026 announcement, the Boca Raton-based toy and consumer products company revealed its first new Arcade1Up home arcade collection since acquiring select assets of the brand in 2025. The Fall 2026 lineup is anchored by two heavy hitters: PAC-MAN (including Ms. PAC-MAN) and the first-ever SONIC THE HEDGEHOG home arcade cabinet.
Basic Fun! says the new cabinets are built to deliver the authentic arcade feel fans expect—powered by iconic franchises, premium features, and classic arcade attitude—no quarters required.
What’s in the Fall 2026 Arcade1Up lineup
PAC-MAN and Ms. PAC-MAN cabinets
Basic Fun! is leaning into the foundation of arcade nostalgia with PAC-MAN and Ms. PAC-MAN home arcade cabinets.
The company notes it is the anchor electronics licensee for PAC-MAN home arcade products through a licensing agreement with Bandai Namco Entertainment. The new machines are positioned for both longtime fans and a new generation of players—built to honor the legacy that helped define the golden age of arcades.
Sonic makes his home arcade debut
The bigger “first” in this release: SONIC THE HEDGEHOG is getting his first-ever home arcade cabinet.
Basic Fun! says Sonic’s debut comes via a multi-year partnership with SEGA, timed to the franchise’s 35th anniversary. The featured product is the Sonic Supreme Series Arcade Game, described as a premium, full-size standing cabinet built for speed, style, and nostalgia.
Basic Fun! also teased that this is the first of multiple Sonic titles planned for the collection.
What to watch for
- Arcade1Up’s next era: This is Basic Fun!’s first major statement since acquiring select Arcade1Up assets in 2025—so the build quality, features, and pricing strategy will matter.
- Sonic’s pipeline: The company is calling this the first of multiple Sonic titles. If that holds, Sonic could become a recurring pillar alongside PAC-MAN.
- Retail rollout: Basic Fun! says the collection will debut at major retailers this fall, which should make availability less of a scavenger hunt for fans.
Quote
“For many years, Arcade1Up has been at the heart of the retro arcade community, and we’re honored to build on that legacy,” said Dan Westcott, Senior Vice President of Global Brand Marketing at Basic Fun!. “Our focus is simple: authentic gameplay, nostalgic design, and premium features that capture the true arcade-at-home experience for fans of all kinds. No quarters required.”
Where to see the lineup
Media, influencers, and industry partners can get a first look at the new home arcade lineup at Toy Fair®, running February 14–17 at the Javits Center in New York City.
Basic Fun! also shared booth details here: https://tfny2026.mapyourshow.com/8_0/exhibitor/exhibitor-details.cfm?exhid=61755
About Basic Fun!
Basic Fun! is a global designer and marketer of classic and innovative entertainment products, distributed across 50,000+ retail locations and online channels through 2,500+ retailers, distributors, and family entertainment venues in 60+ countries. The company is headquartered in Boca Raton, Florida, with offices in the UK and Hong Kong.
For more information, visit basicfun.com.
PAC-MAN™ & ©Bandai Namco Entertainment Inc.
Ms. PAC-MAN™ & ©Bandai Namco Entertainment Inc.
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Downtown Phoenix experienced the thunder of Formula 1 engines once again on Saturday, March 14, 2026, when the Red Bull Showrun transformed East Jefferson Street into a temporary motorsports stage. The free public event drew large crowds eager to see a real Formula 1 car perform high-speed demonstrations through the heart of the city.
The star of the event was the legendary Red Bull RB7, one of the most dominant machines in modern Formula 1 history. Fans watched as the car blasted down the temporary street course performing burnouts, donuts, and acceleration runs that echoed between downtown buildings.
A Championship Machine on City Streets
Originally driven to the 2011 Formula 1 World Championship by Sebastian Vettel, the RB7 represents a golden era for Red Bull Racing. The car is known for its aerodynamic design and remarkable performance during the 2011 season.
During the Phoenix showrun, the car was piloted by Scott Speed, a former Formula 1 competitor and experienced motorsports driver. He was joined by Nikola Tsolov, a rising talent in Red Bull’s junior driver development program.
Together, the drivers delivered a high-energy demonstration that gave spectators a rare opportunity to witness the power and precision of Formula 1 machinery up close.
A Tribute to Phoenix’s Formula 1 Legacy
The event also served as a reminder of Phoenix’s unique place in Formula 1 history. The city previously hosted the United States Grand Prix (Phoenix street circuit), which ran through downtown streets from 1989 through 1991.
During those races, fans watched legendary drivers such as Ayrton Senna compete on the challenging desert street circuit.
Although the Grand Prix eventually moved to other locations, the Red Bull Showrun brought the spirit of Formula 1 back to Phoenix for a new generation of motorsports fans.
Formula 1’s Growing U.S. Momentum
The Phoenix showrun comes at a time when Formula One is experiencing unprecedented growth in the United States. The sport now hosts three annual races in Austin, Miami, and Las Vegas.
Promotional events like the Red Bull Showrun help introduce the sport to new audiences and reconnect cities with their racing heritage.
For longtime Phoenix residents, the sound of a Formula 1 engine echoing through downtown streets was more than just a spectacle—it was a powerful reminder of the city’s motorsports past and the growing popularity of Formula 1 across America. 🏎️🔥
Related External Coverage
- Official Red Bull Showrun Phoenix Event Page
- Arizona’s Family (3TV / CBS 5): Coverage of the Red Bull Showrun in Downtown Phoenix
- Formula 1 Official Website – Learn More About the Sport
- City of Phoenix – Downtown Events and Street Closures
- History of the Phoenix Street Circuit and the U.S. Grand Prix (1989–1991)
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Consumer Corner
Spruce Up Your Home for St. Patrick’s Day
Spruce Up Your Home: Spring is just around the corner, and there are few better ways to freshen up your home than with a wee bit of St. Patrick’s Day decor.
Last Updated on March 15, 2026 by Daily News Staff
(Feature Impact) Spring is just around the corner, and there are few better ways to freshen up your home than with a wee bit of St. Patrick’s Day decor.
Spruce Up Your Home for St. Patrick’s Day
A Splash of Green and a Sparkle of Gold
Whether you love emerald, lime, sage or leafy green shades, simply adding a pop of a new-to-you hue can infuse your home with some St. Paddy’s fever. Check craft stores for reusable greenery to place in a pot or vase, or get crafty and dot pinecones with glue before dusting them with green glitter and placing them in a glass bowl to make a festive display worthy of a leprechaun’s seal of approval. Get Ready for Spring and Shop New Arrivals to Refresh Your Space!
Scent of the Season
Lighting a candle not only creates a festive vibe, but the aroma from a scented candle can remove any staleness in the air and bring some ambiance to your home. Any earthy scent will do – from juniper to fir, pine, sandalwood or amber. Woodsy choices infuse a room with comfort and warmth. Decorative elements like metal charms, beads and crystals (in bright green or gold) add a pop of whimsy to your candle, too.
Shape a Shamrock
Holidays are ideal times to flex your creative muscles and give your home a little artsy edge. Scour the shelves at dollar stores or thrift shops for things like green clay or modeling dough, colored paper, wooden shamrocks, stickers and inexpensive paint sets. Set your artistic side free with paintings or drawings of shimmery rainbows, mischievous leprechauns and shamrocks in various sizes.
Coins, Clover and Centerpieces
One of the easiest ways to add a little Celtic cheer to your home is with joyful table decor. Add some gold shimmer to your dining room table with sparkly ribbons, a bright runner and gold-flecked napkin rings. A fancy glass filled with green baubles and pebbles can be both subtle and festive. A scattering of faux gold coins and rainbow napkins can make the space feel merry and magical.
Find more ideas to get your home ready for St. Patrick’s Day at eLivingtoday.com.
Photo courtesy of Shutterstock
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Welcome to the Consumer Corner section of STM Daily News, your ultimate destination for savvy shopping and informed decision-making! Dive into a treasure trove of insights and reviews covering everything from the hottest toys that spark joy in your little ones to the latest electronic gadgets that simplify your life. Explore our comprehensive guides on stylish home furnishings, discover smart tips for buying a home or enhancing your living space with creative improvement ideas, and get the lowdown on the best cars through our detailed auto reviews. Whether you’re making a major purchase or simply seeking inspiration, the Consumer Corner is here to empower you every step of the way—unlock the keys to becoming a smarter consumer today!
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