Students typically carry more than £1,300-worth of gadgets such as mobiles, laptops and iPods around with them, according to research from Endsleigh. If you’re one of them, it pays to make sure your possessions are protected. Are you a student about to head off to university for the first time? Maybe you’re in your second year and moving out of halls and into a flat?

Whatever your student situation, money is likely to be tight. That means you’ll want to know your stuff is insured and you’ll be able to replace it if anything happens.

Home insurance may not be at the forefront of your mind if you’re just about to start the new term, but it’s really important.

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Insurance is a necessary expense if you want to protect your assets in the event of an unexpected catastrophe. Without insurance, you could lose most of your assets and go bankrupt. The good news is that you don’t need to buy all the insurance policies out there. But here are the five that we highly recommend:

1. Health insurance: If you become sick and require emergency care or a hospital stay, it’s likely be expensive. Health insurance protects you against these unexpected problems by reducing your immediate costs. You

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Many people have the hope of staying in their homes for a lifetime, especially as they grow old. It is usually possible, but there are certain periods in life when people may need a little more help – mainly when it comes to shopping for food, cooking, or even taking a bath – and these periods tend to fall between the eighties and nineties. Other people need help even more frequently and this could mean that it is the right time to move to a geriatric home where a group of professionals will be waiting to take full care of them, and this is the exact time where long term care insurance becomes really helpful.

Families can sometimes realize when a relative is not able to share the house anymore. It

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Travel insurance carriers frequently provide travel tips and advice on their websites.  Seven Corners recently wrote a story with suggestions of how to avoid having a bad vacation.  The following is an excerpt from the story.

1. Inform a friend in town of your trip and ask them to check up on the house every so often.  Leaving an empty house can become worrisome, especially if your oldest daughter decided it was a good idea to tweet about how worried you are about forgetting to double check whether or not the window on the side of the house was locked before you left for your two week long family vacation.
2. Make sure your family is updated on vaccinations required to traveling.  Measles, Dysentery, typhoid fever, and Cholera can happen to you in real life — not just to your character and his companions who are deciding whether they should caulk the wagon and float it or to just hire a guide to assist in crossing the river safely.
3. Arrive at the airport early.  Many factors including parking, security, and long lines contribute to airport congestion.  Plus, you’ll have a bigger window of time to rush back to the house once you’ve realized you left Macaulay Culkin home alone.
4. Learn a few simple phrases from the native language in the foreign country.  You don’t realize how frustrating it is trying to ask someone of a different language where the restroom is– especially when time is a limiting factor…
5. Take caution of what you are eating or drinking in another country.  Bottled water and fully cooked foods along with frequently used hand sanitizer can prevent the exact situation where following tip #4 becomes a life and death scenario.

Up to nine million drivers could be missing out on substantial savings by automatically renewing their car insurance with their existing provider. Failing to investigate if you can find cheaper cover elsewhere could cost you dearly. According to new research by moneysupermarket.com, motorists can typically save £233 a year by scouring the market for a better deal – that’s nearly £100 more compared with last year.

Yet despite the savings they could make, more than three and a half million motorists admit that they ‘can’t be bothered’ to look for cheaper insurance. M

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