Month: June 2026

One of the greatest legacies any parent can give a child is a framework for living an enduring, healthy lifestyle. Learn how family meals, active play, and healthy habits build a lifetime of wellness for your kids.

Start Early: Good eating, sleeping, and exercise habits should begin early in childhood. It’ll save you (and your adult child) from the difficulties of breaking bad habits later on.

Be Family-Centric: Make healthy living a family affair. Consider the impact even small actions can have. Did you know that kids who eat more often with their families are less likely to become overweight or obese?¹

Plan for Healthy Meals and Snacks: Modern lives are busy, but try to plan ahead by stocking healthy foods and snacks in the house. You may even want to cook a few meals during the weekend for the week ahead. If you’re looking to improve dieting behaviors, be sure to move slowly with these changes. The less the kids notice, the more effective the transition will likely be. Expose your child to different foods by pairing them with foods he or she already likes.

Be Active: It may be harder than ever to tear children away from the phone, computer, and TV, but it’s crucial that children engage in active play. It doesn’t have to be an organized event. Challenge your child to a push-up contest, or offer to play goalie so he or she can practice soccer kicks. Connect physical activity to a positive experience.

Be a Role Model: Lessons are difficult to teach if the teacher is not practicing what he or she preaches. Be sure to lead by example.

Securing Peace of Mind: Raising a healthy family is all about planning. Let us help you secure the peace of mind that comes with knowing they are fully protected. Reach out to HomeSale Insurance Services or call us today at 800-425-5130 to explore our insurance options tailored to your family’s needs.

1. NIH. gov, 2023. “The Protective Role of Family Meals for Youth Obesity: 10-year Longitudinal Associations,” a landmark study first published in 2014

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.

Small drones, also known as unmanned aerial vehicles, have become increasingly popular among hobbyists, kids and even businesses. Flying a drone can be fun, but it can also become an insurance headache if the remote-controlled aircraft is involved in an accident.

Therefore, before your drone hits a car, house or person—or gets in another sort of accident—it’s important to understand how your drone is covered.

Getting started, check your homeowners or renters insurance policies to see whether such aircraft are covered or excluded from coverage altogether. It’s also important to remember that even if your insurer does offer related coverage, there may be restrictions that you’ll need to be aware of.

It may be worthwhile to check with your insurer every few months on coverage changes related to drones due to fact that such coverage is relatively new and the developing technology may require insurance policies to be updated often.

If your drone hits your own car, it should be covered by the comprehensive coverage on your car insurance, which covers damage to a car from fallen objects or other disasters, according to the Insurance Information Institute (III). If it hits someone else’s car, it should be covered by the liability coverage on your homeowners insurance.

If someone is injured by the drone, your home insurance policy should have no-fault medical coverage. Injuries to your own family members, however, won’t be covered, according to the III. Your health insurance will cover that.

Your home insurance should also pay to replace a stolen drone. You’ll have to pay the deductible on your policy though.

The liability portion of your homeowners or renters policy may cover you against lawsuits for bodily injury or property damage that a drone causes, the III says. Even privacy issues—such as inadvertently taking pictures of a neighbor, who then sues you—should be covered. Intentional invasion of privacy won’t be covered.

If you’re using a drone for business, the Federal Aviation Administration (FAA) has stricter guidelines for commercial use than it does for recreational operation. Whatever you’re using a drone for, though, it must be registered with the FAA if it weighs between 0.55 pounds (250 grams) and 55 pounds (25 kg). If your drone isn’t registered, you may be subject to criminal and civil penalties. Commercial drone operators must also be licensed.

Furthermore, commercial drones aren’t covered by personal insurance policies. A business policy is needed in case your drone gets in an accident or does something else that requires insurance while being used for a business.

If you break a law with your drone, your insurer may not cover you. Federal regulations prohibit flying drones above 400 feet, within five miles of an airport, and above crowds or other objects. Flying drones near disaster areas may also violate federal and local laws, and unauthorized drone operators may be subject to fines if they interfere with emergency response operations.

Whether you plan on playing with a drone in your backyard or using it for business purposes, you’ll likely want to make sure you know the rules and are covered in case of an accident.

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Please contact us today at 800-425-5130 or visit our website at www.homesaleinsurance.com