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
SOURCE:
Guaranteed Rate
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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Consumer Corner
Cold Weather Home Comfort Hacks
Stay warm and save money with these cold weather home comfort hacks. From smart thermostats to energy-efficient windows, discover 6 upgrades that boost comfort and cut heating costs this winter.
Last Updated on February 22, 2026 by Daily News Staff
Cold Weather Home Comfort Hacks
(Family Features) As temperatures drop and cozy season sets in, keeping your home comfortable doesn’t mean undergoing a full-scale renovation. In fact, with a few smart upgrades, you can create a warm, inviting space – while improving your home’s energy efficiency, too. Before the chill sets in, consider these cool-weather comfort hacks, inspired by the experts at Simonton Windows & Doors, who have delivered high-quality replacement windows and patio doors designed to enhance the appearance, security and comfort of homes around the country for more than 75 years. Install a Smart Thermostat One of the easiest ways to increase comfort while also reducing heating costs, installing a smart thermostat allows for automatic temperature adjustment, keeping your home warm while it’s occupied and conserving energy when you’re away. Over time, these intelligent devices learn your schedule and habits, and can be controlled remotely from a smartphone to let you turn on the heat prior to arriving back at home.
Replace Older Windows If your windows are drafty or difficult to open, it may be time to upgrade. Modern replacement windows can dramatically improve energy efficiency and insulation. High-quality options from Simonton, including DaylightMax and 6200 Sliding Windows and 5500 and 6500 Double Hung Windows, meet the highest standards of performance and reliability, having successfully earned the prestigious Good Housekeeping Seal following rigorous testing. Designed with security and weather resistance in mind, these windows are known for their durability, wide range of styles and advanced energy-saving features. “This is a testament to the unwavering commitment we have to bring the best products to building professionals and homeowners,” said Kate Land, vice president of product and innovation at Cornerstone Building Brands, parent company of Simonton. “For more than 75 years, the Simonton brand has given homeowners confidence that they are investing in windows that truly deliver the highest quality and performance. This recognition solidifies our place as an industry leader customers can rely on.” Add Insulating Window Treatments Window treatments can do more than just add a design element to your home’s interior. Options like layered drapes, thermal curtains or cellular shades can help reduce heat loss. Remember to open your curtains or blinds during the day to let in natural light and close them at night to trap warmth and keep your spaces comfortable. This can also help circulate the air in your home and reduce the chances of condensation on your windows when the temperature dips. Seal Gaps and Keep Weatherstripping Clean Even the smallest of gaps around windows or doors can allow cold air to seep in. Check weatherstripping for wear and tear, replace as needed and use expandable foam or caulk to seal large gaps. Keeping the areas around doors and windows clean can also help maintain a tight seal and prevent winter’s chill from invading your comfortable space. Upgrade Patio Doors Old or inefficient patio doors can let in drafts and drive up energy bills. Replacing them with energy-efficient models, such as Simonton Contemporary Sliding Patio Doors, can help maintain comfort and enhance your home’s appearance. Fully customizable with a wide range of colors, interior woodgrains and hardware finishes, the doors are designed with a narrow frame for more natural light without sacrificing energy efficiency. Plus, optional high-density SmartCore foam can further improve thermal efficiency, allowing you to enjoy winter’s beauty from the comfort of the indoors. Add Insulation Inspect your attic, basement, garage and crawl spaces for spots where insulation may be lacking. An easy and affordable way to retain heat and improve efficiency, adding pre-cut insulation into bays between ceiling joists or blowing in loose-fill insulation over the existing layer can help keep your home warmer all season long. By making a few smart upgrades and prepping your space for the cold weather ahead, you can maximize comfort and energy efficiency. To ensure your home stays comfortable this winter and beyond, visit simonton.com for more solutions. 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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(Feature Impact) Cold spots are a common challenge for homeowners, especially during the winter months. They not only reduce overall comfort but can also drive up energy costs. These problem areas often appear in rooms over garages, spaces farthest from the HVAC unit, finished basements, and home additions.
Caused by uneven airflow, poor insulation, or systems that struggle to adapt to varying room conditions throughout the day, cold spots can lead to uncomfortable living spaces, extra strain on your HVAC system, and higher heating bills due to overcompensation.
Fixing these problems can involve several approaches. One option is upgrading from a single, whole-home HVAC system controlled by one thermostat to a zoned solution that lets you fine-tune comfort in each room. Another is improving ductwork by replacing long runs, undersized ducts, or leaky connections that restrict airflow. You can also add smart controls that automatically adjust to changing conditions.
Consider these tips recommended by the experts at Mitsubishi Electric Trane HVAC US (METUS) to improve your home’s comfort:
- Evaluate Your Current System
Have a qualified technician inspect your HVAC system, checking ductwork for leaks, blockages or damage that could be preventing air from reaching specific rooms. Also confirm filters, coils and existing thermostats are properly located and in good working order to ensure they’re correctly reading temperatures.
- Consider a Zoned HVAC System Upgrade
Zoning divides your home into separate areas, each with its own temperature control. Options like Zoned Comfort Solutions® from Mitsubishi Electric allow you to treat individual rooms or spaces differently, conditioning only the areas you use for consistent comfort and reduced energy waste.
In larger homes with central ducted systems, adding motorized zoning dampers to open and close inside the ductwork and multiple thermostats can help redirect air where it’s needed most. For additions, bonus rooms or spaces with unique needs, ductless mini‑splits provide independent control for precise comfort without requiring an overhaul of the entire existing system.
- Add a Smart Thermostat and Sensors
Pairing zoning with smart sensors and controls allows each zone to fine‑tune comfort automatically for maximum efficiency. These sensors and advanced controls serve as the system’s intelligence, responding in real time to conditions in each room and monitoring both temperature and occupancy to adjust when a room deviates from the desired temperature.
Easy to integrate with many popular smart home platforms, the system learns your household schedule and habits to automatically optimize comfort and efficiency based on when and where people actually spend time. Plus, access through connected apps via your phone allows you to monitor cold‑prone rooms and make adjustments, even when you are away.
- Schedule Seasonal Maintenance
At least semi-annually, if not at the change of each season, have filters, coils and sensors cleaned and calibrated by a professional. Staying up to date on maintenance can help ensure your system is delivering the right amount of air where and when you need it.
Modern, connected energy‑efficient systems are attractive to buyers and can help lower a home’s carbon footprint. Learn more about fixing cold spots with zoned solutions at mitsubishicomfort.com.
Photo courtesy of Getty Images
SOURCE:
Mitsubishi Electric Trane HVAC US
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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Create a Cozy, Inviting Living Room This Winter
Inviting Living Room: Turning your living room ñ the hub of seasonal entertaining ñ into a winter retreat can be simple with a few thoughtful updates. From the color palette and textiles to lighting and subtle seasonal accents, these ideas can help you create a space that feels warm and inviting, even on the chilliest of days.
Last Updated on February 15, 2026 by Daily News Staff
Create a Cozy, Inviting Living Room This Winter
(Family Features) Turning your living room – the hub of seasonal entertaining – into a winter retreat can be simple with a few thoughtful updates. From the color palette and textiles to lighting and subtle seasonal accents, these ideas can help you create a space that feels warm and inviting, even on the chilliest of days. Embrace a Winter Color Scheme Start with a warm, neutral color palette featuring creams, taupe, ivory, beige and soft grays then layer in deeper greens, muted blues or charcoal for contrast. Accent pieces such as pillows, throws and vases in matching rich tones or muted metallics can help the room feel like a cozy retreat from the cold outside without overwhelming your existing decor. Stick to your chosen color palette but vary texture and mix solids with subtle patterns like stripes or checks. Layer Cozy Textiles One of the easiest ways to dial up winter comfort is layering textiles. Drape knit or faux fur throw blankets over sofas and chairs, stack extra blankets in a basket or on a ladder shelf near the seating area and switch out lighter pillow covers for winter-friendly fabrics such as velvet, wool or sweater knit. On the floor, layer a smaller, softer rug over your existing area rug for extra warmth underfoot. Create a Seasonal Focal Point Your coffee table is the perfect focal point for winter decor. Start with a tray or shallow bowl then mix in a candle or two and other decorative elements such as books, wooden beads, pinecones or glass jars filled with fairy lights. Keeping the arrangement simple allows the table to remain functional for everyday use while still feeling seasonally intentional. Set the Mood with Lighting Shorter winter days mean less natural light floods your living space. Soften the glow with warm white bulbs in floor and table lamps then layer candles – real or flameless – on the mantel, coffee table or console for a cozy atmosphere. Add a Touch of Nature Bringing a touch of the outdoors in can give decor a fresh, grounded feel. Consider incorporating evergreen branches, pinecones, bare twigs, eucalyptus and dried stems for an understated nod to the landscape beyond your windows. Pair these natural elements with a grouping of houseplants in woven baskets, wood trays or stone pots to complete the organic, wintery look. Visit eLivingtoday.com for more seasonal decorating inspiration. Photo courtesy of ShutterstockDiscover more from Daily News
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