Renting a home or apartment offers convenience and flexibility, but it's crucial to protect your belongings and liabilities with renters’ insurance. While landlords typically have insurance for the property itself, it doesn't cover your personal belongings or provide liability protection. Understanding what renters insurance covers, how to obtain it, its costs, and its limitations is essential for tenants.

Over 13.4 million properties not currently exposed to hurricane-force wind damage will face increased risk over the next 30 years as climate change propels more intense storms, according to new research from First Street Foundation.

The global reinsurance landscape tightened significantly on Jan. 1, with one broker deeming this renewal season “one of the hardest reinsurance markets in living memory.” Frequent natural catastrophes and economic and political shifts have introduced significant uncertainty and volatility into the insurance market, along with the biggest capital crunch in more than a decade, per recent broker reports.

Hailstorms can be swift and destructive, damaging buildings, outdoor equipment and vehicles in a matter of minutes. For commercial property owners, such damage can result in destroyed property, costly repairs, business disruptions and lost revenue. This article discusses the risks hail poses to commercial properties and preventive measures to protect buildings from hail damage.