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
Reduce, Reuse, Rejoice: 5 Holiday Hacks for Eco-Friendly Celebrations
Discover 5 simple holiday hacks to reduce waste and celebrate sustainably. Learn how to plan meals, recycle food scraps, give greener gifts, and properly sort holiday waste while saving money this season.
Last Updated on December 5, 2025 by Daily News Staff
Reduce, Reuse, Rejoice: 5 Holiday Hacks for Eco-Friendly Celebrations
(Family Features) Holiday celebrations bring joy, laughter and lasting memories – but they can also leave behind a sleigh full of waste. From food scraps and empty bottles to wrapping paper and decorations, the season can leave your home full of items that could be reused or recycled. In fact, household waste increases nearly 25% between Thanksgiving and New Year’s Day, according to survey results from the Center for Biological Diversity. That’s a lot of leftovers, garland and glass that could be kept out of landfills. To help you cut down on trash and embrace a joyful, less-waste holiday season, the experts at CalRecycle offer these five holiday hacks to help you save cash and protect the planet.- Plan Meals to Waste Less and Save More
- Shop your pantry first to avoid buying what you already have.
- Buy only what you need and prepare recipes based on guest count.
- Choose local ingredients from sources like farmers markets that minimize packaging.
- Send guests home with leftovers in reusable containers or freeze extras for future meals.
- Recycle Food Scraps
- Not all food can be saved, but it doesn’t have to go in the trash.
- Compost fruit and vegetable trimmings, eggshells, coffee grounds and plate scrapings. Trashed food makes climate pollution in landfills. Recycle it in your green bin instead.
- Most California communities now offer green bin composting. Learn what goes in the green bin by visiting the Curb Your Food Scraps page on RecyclingReimaginedCA.com.
- Set out a clearly labeled “food scraps” bin next to your trash, as well as a recycling bin for bottles, cans and other containers so everyone can participate.
- Eat, Drink and Be Eco-Friendly
- Use reusable plates, cups and utensils instead of disposable options.
- Decorate with items you can use year after year or make compostable decor from natural materials.
- Collect empty wine, liquor, juice or other California Redemption Value (CRV)-eligible containers and cash them in once the party is over.
- Serve water in reusable pitchers or carafes instead of single-use plastic bottles.
- Give Greener Gifts
- Choose experiences over stuff, like tickets to events, museum or club memberships, registrations for classes or shared adventures.
- Wrap gifts in fabric, scarves or reusable tins. Or use recyclable paper without glitter or foil.
- Personalize presents with homemade crafts, baked goods or services that reduce packaging.
- Prioritize gifts from local and sustainable businesses that are committed to ethical sourcing, minimal packaging and recycled materials.
- Sort Holiday Waste the Right Way
- After the celebrations, check local recycling rules for how to properly dispose of:
- Batteries
- Holiday lights
- Christmas trees
- Drop off CRV-eligible beverage containers, such as wine and spirit containers, at your nearest recycling site for cash back.
- Donate unwanted gifts or gently used holiday items to local charities or thrift stores.
Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.
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Consumer Corner
Kitchen Lighting Ideas: Transform Your Space with Smart Upgrades and LED Solutions
ransform your kitchen with practical lighting upgrades. Learn how to create layered lighting with ambient, task, and accent lights, choose energy-efficient LED bulbs, select statement fixtures, and add smart controls for a functional, stylish space.
Transform Your Kitchen with Lighting Upgrades
(Family Features) As the heart of many homes, the kitchen is often for much more than cooking. From morning coffee and gathering for family meals after long days at school and the office to entertaining loved ones on the weekend, functional, stylish lighting can make your kitchen truly shine – day or night. Whether you’re planning a full-scale remodel or simply looking to refresh one of your most-used spaces, even modest lighting updates can enhance its aesthetic appeal and usability. From swapping out lightbulbs to replacing fixtures, adding smart controls and more, these ideas can help you brighten things up. Add Balance with Layered Lighting The most well-lit kitchens incorporate three layers of lighting: ambient, task and accent. Ambient lighting, typically from recessed ceiling lights or a centralized light fixture, provides general illumination and sets the tone for the space. Task lighting, such as under-cabinet light strips or a hanging fixture above an island, provides focused light over work zones like the sink, stove or countertops. Finally, accent lights in cabinets, baseboards or backsplash can add depth and drama, for a practical and inviting layered look. Upgrade to Energy-Efficient Lightbulbs One of the simplest ways to upgrade your kitchen – or any room – is swapping old lightbulbs for energy-efficient LED bulbs. From cozy warm whites to bright white and amber hues, LEDs come in a variety of color temperatures to fit your space. Plus, they typically last longer and use less energy than halogen, incandescent and fluorescent bulbs and they’re often dimmable, giving homeowners complete control over the space’s brightness and mood. Make a Statement with New Fixtures A design feature all their own, lighting fixtures like chandeliers or pendants over the kitchen table or center island can instantly elevate your kitchen’s look and feel. For a sleek, modern aesthetic, consider polished chrome finishes; think brass or brushed nickel for warmth; or opt for matte black for stunning contrast. Remember to look for fixtures in finishes that complement your appliances and cabinet hardware to truly bring the space together. Embrace Smart Technology Even small updates can make a big difference when it comes to bringing your kitchen into the future. Swapping out old switches with smart options that allow you to adjust brightness throughout the day, schedule your lights to turn on or off automatically and change the color temperature from your smartphone or voice assistant can enhance usability and convenience while reducing energy usage. Find more ideas to enhance your living spaces at eLivingtoday.com. Photo courtesy of ShutterstockWelcome 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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home improvement
How-To Winterize Your Lawn Mower
Winterize Your Lawn Mower: As mowing season winds down with cooler weather setting in, it’s time to prepare your lawn mower for storage. Properly winterizing your mower can help ensure it’s ready to run smoothly when spring returns.
Last Updated on December 3, 2025 by Daily News Staff
How-To Winterize Your Lawn Mower
(Family Features) As mowing season winds down with cooler weather setting in, it’s time to prepare your lawn mower for storage. Properly winterizing your mower can help ensure it’s ready to run smoothly when spring returns. Consider these steps to get your mower ready for winter, which may help prevent corrosion, fuel problems and more costly repairs. Clean Your Mower Thoroughly Start by removing any loose grass clippings, dirt and debris then, using a garden hose and scraper, clean the underside of the mower deck. Wipe down the exterior with a damp cloth and mild soap or all-purpose cleaner. Once dry, apply a light coat of silicone spray to metal parts to help prevent rust. Drain or Stabilize the Fuel Gasoline left in the tank through winter can break down and cause carburetor issues. You can either drain the tank by running the mower until it’s out of fuel or add fuel stabilizer, running your mower for 5-10 minutes afterward to circulate it through the fuel system. Change the Oil Similarly, used oil contains contaminants that can corrode your mower’s engine. Drain the oil following your mower’s manual – usually by tipping the mower or removing the drain plug – then refill with the recommended type and amount of fresh oil. Inspect the Spark Plug To inspect for buildup or wear, remove the sparkplug then gently clean with a wire brush. If corroded or worn, the sparkplug may need replaced. Clean or Replace the Air Filter A clean air filter helps your mower run more efficiently. Replace paper filters or wash foam filters in warm, soapy water before drying and lightly oiling then reinstalling. Sharpen the Blade Remove the mower blade and inspect it for nicks or dull edges. If necessary, sharpen it using a file or grinder then reinstall securely. Lubricate Moving Parts Apply spray lubricant to moving parts, such as the wheels, cables and pivot points, to prevent rust and sticking. Find more guidance for keeping your lawn equipment working correctly at eLivingtoday.com. Photo courtesy of ShutterstockWelcome 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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