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What Is a Peril in Homeowners Insurance?

Homeowners insurance protects your home and your personal belongings if they get damaged by certain events. These damaging events are also known as perils and without insurance, you have to pay out-of-pocket to repair the damages caused by perils.

Your insurance policy protects you in many situations you might experience as a homeowner. However, it doesn’t cover everything. If you’re a homeowner, it’s important to understand what a peril is and what perils your policy does and does not cover. 

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Over the last few months, I’ve written a few articles on how to “optimize” particular common household tasks in terms of both money and time. I’ve written about laundry, dishwashing, and meal planning and grocery shopping.

A few readers have popped in stating that they like the series and asking for posts on similar common tasks that people do every day, and so I thought I’d continue the series with an article focusing on optimizing a daily shower.

So, what’s the purpose here?

As our nation slowly begins to reopen businesses and other services and with an extremely uncertain future ahead of all of us, many people are struggling to figure out what to do with the money they have, how to use it most effectively, and how to plan ahead for the months to come.

Will we see further waves of illness? Will some areas stay under stay-at-home orders throughout the summer? Will some orders return in the fall? Will things return completely to normal? Will there be a new modified form of “normal” for everyone? And what will that all mean for the economic future?

The truth is, we don’t know the answers to these questions. No one does.

Even in the face of that level of uncertainty, however, we can make some smart choices when it comes to budgeting our money going forward.

A couple of months ago, many people were thrust into the position of having to work from home for the first time, or for the first sustained period, in their career. It can be a major change for many people, and here’s some advice for getting started with working from home.

After a while, however, the newness of the change starts to wear off, and that’s when burnout can set in. You start feeling like there’s no boundary between life and work. You’ve overexerted yourself to prove that this can work, and now you feel like a walking zombie. You feel anxious. You can’t sleep. You’re exhausted. You don’t have a good sense as to what you should be focusing on. You feel like you’re in a fog. You mostly just want to spend all day vegging out, but the work keeps coming at you.

What do you do when you’re on the edge (or over the line) of work at home burnout?