With all the wind we had last week, I thought it would be a good time to talk about that tree in your neighbor's yard. Who's insurance would pay if it fell into your yard and damaged your property?

We get this question a lot. Soooooo, here's a quick explanation. If your neighbor's tree is dead and it falls in your yard, then causes damage to your property, the neighbor's homeowner's liability would cover the cost of repairs to your property. If the tree is not dead, it is considered, an act of nature or unforeseeable event and your homeowners' policy would cover the damage to your property (less any deductible).

Want an easy way to remember? Try this ditty... If it's dead, it's on your neighbor's head. If it's not, you're on the spot.

Don't want to wait for 50 mph winds to see what happens to your neighbor's dead tree? Your best recourse is to send a certified letter asking him/her to remove the dead tree before it causes damage to your property.

Before you take your motorcycle on the road or put your boat on the water, it may pay to be certain your insurance is ship-shape.

Motorcycles and boats are often significant investments, and the right insurance policy can help protect them. Here are a few tips.

Pickup at Fayette County High School,  April 16th.

Click here for all the details.