Many events often trigger a need to evaluate one's insurance landscape. It may spur a need to buy renters coverage, homeowners or auto policy or secure wedding coverage, an umbrella policy or endorsements for jewelry, etc.

Holidays and special events often include celebrations that bring together families and friends in homes across the country. Food, fun, conversations and spirits flow generously. Unfortunately, such celebrations may be accompanied by injuries and accidents, especially when alcoholic drinks are involved. Increased drinking leads to an increased chance for a personal tragedy and the consequences can be substantial.