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Most people know that a homeowners or renter's insurance policy is crucial when it comes to protecting your home from a fire or other disaster. However, if you want to safeguard your valuables from the unexpected, there's another important document you may be overlooking: a home inventory.

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Hosting a Super Bowl party is a great way to cheer on your team if you can't make it to the stadium in Indianapolis this Sunday, but make sure you know and manage the risks of hosting the big game day party. In many states, individuals hosting parties can be held liable in cases where a guest or third party is injured in an accident related to alcohol consumption at your event. Hosts have been held responsible for medical bills, vehicle repair costs, lost time from work, and even wrongful death.

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Millions of Americans donate time-their most valuable asset-to serve as a volunteer board member on non-profits, booster clubs, churches, PTAs and civic organizations, just to name a few. The decisions these folks make can have a dramatic impact on their respective organization-and not always for the better. If a volunteer endeavor goes bad, would a volunteer board member have coverage against a lawsuit under his or her homeowner's policy?

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