Self-storage units can be a good way keep clutter out of your home. And having the right insurance coverage is the best way to financially protect your off-premise belongings.

Property damage caused by riot, civil commotion or vandalism is generally covered under standard auto, business, and homeowners insurance policies. Several types of insurance products, depending on the property's nature and function, can provide coverage to help with rebuilding or replacement.

If a tree hits your home or other insured structure, such as a detached garage, your standard homeowners insurance policy covers the damage to the structure, as well as any damage to the contents.

This is true for trees felled by wind, lightning or hail.

Coverage needs change as circumstances in our lives change; an annual insurance review will ensure you have the proper coverage for your needs and budget.

Whether you're hosting a Super Bowl party for 50 or greeting the New Year with a few friends, if you're planning to serve alcohol at your home take steps to limit your liquor liability and make sure you have the proper insurance.

Avoid these pitfalls when buying auto, home, flood and renters insurance.

Your standard homeowners policy doesn't provide flood coverage

Standard homeowners and renters insurance does not cover flood damage. Find out if you need flood insurance and learn where to get it. It's important to note that, as a rule, homeowners, condo owners, and renters insurance does not cover damage from flooding. To protect your home, be sure to understand the risk of flooding and your insurance options.

Most dogs are friendly, loving members of the family, but even normally docile dogs may bite when they are frightened or when protecting their puppies, owners or food.

According to the Centers for Disease Control and Prevention (CDC), more than 4.5 million people are bitten by dogs annually, resulting in an estimated 800,000 injuries that require medical attention. More than 50 percent of dog bites occur on the dog owner’s property, and they account for one-third of all homeowners insurance liability claims.

A public adjuster is an independent insurance professional that a policyholder may hire to help settle an insurance claim on his or her behalf.

Your insurance company provides an adjuster at no charge to you, while a public adjuster has no relationship with your insurance company, and charges a fee of up to 15 percent of the insurance settlement for his or her services. Note that while a public adjuster can assist with the claims process, he or she cannot get you more money than you are entitled to under your insurance policy.