Charlene Royston

Charlene is a seasoned freelance writer and small business owner. She has a strong background in finance, mortgages, real estate, hospitality, and marketing. Her clear, concise writing clarifies complex concepts making them accessible, understandable, and useful.
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Articles by Charlene Royston


Home improvements that will cost you in insurance Home improvements that will cost you in insurance Home improvements that will cost you in insurance Home improvements that will cost you in insurance


Home improvements can increase the value of your home. But some will also cost you a higher insurance premium. Find out which ones.

Why you might need liquor liability insurance Why you might need liquor liability insurance Why you might need liquor liability insurance Why you might need liquor liability insurance


If your business sells liquor, no matter how little, you can benefit from liquor liability insurance. Find out what it covers and who needs...

Improper data disposal and liability risks Improper data disposal and liability risks Improper data disposal and liability risks Improper data disposal and liability risks


Your company is liable for any data it collects and stores. Find out how to properly dispose of it to avoid breaches, lawsuits, and...

Mold Damage and Home Insurance Mold Damage and Home Insurance Mold Damage and Home Insurance Mold Damage and Home Insurance


Many homeowners are surprised to learn their insurance doesn't cover mold damage. Find out what you can do about it.

Insurance Policy Exclusions that Might Catch You Off-Guard Insurance Policy Exclusions that Might Catch You Off-Guard Insurance Policy Exclusions that Might Catch You Off-Guard Insurance Policy Exclusions that Might Catch You Off-Guard


Do you really know how what your insurance policy is covered? Some of these exclusions might surprise you.

A home inventory is an important complement to your home or tenant insurance policy A home inventory is an important complement to your home or tenant insurance policy A home inventory is an important complement to your home or tenant insurance policy A home inventory is an important complement to your home or tenant insurance policy


A home inventory is an important complement to your home insurance. But where do you start and what do you include? Find out here.

Insurance can cover your home for snow damage Insurance can cover your home for snow damage Insurance can cover your home for snow damage Insurance can cover your home for snow damage


If snow damages your home, your insurance may not protect you. Find out what steps you need to take to make sure you're covered.

Leaving for a vacation Leaving for a vacation Leaving for a vacation Leaving for a vacation


When you're on vacation, you want to leave the worries behind. Check out these steps to keep your home safe while you're away.

Insuring a summer home Insuring a summer home Insuring a summer home Insuring a summer home


Adding your summer home to your primary home insurance isn't enough. Find out what you need to do to properly protect your seasonal...

How to prevent house fires How to prevent house fires How to prevent house fires How to prevent house fires


House fires can be devastating and tragic events. Learn what you can do to reduce your risks.

Putting Property up for Rent? Here's What You Need to Know Putting Property up for Rent? Here's What You Need to Know Putting Property up for Rent? Here's What You Need to Know Putting Property up for Rent? Here's What You Need to Know


Renting out property is a great way to earn money - if you do it right. Find out what you need to know before becoming a landlord.

Choosing the Right Kind of Mortgage Choosing the Right Kind of Mortgage Choosing the Right Kind of Mortgage Choosing the Right Kind of Mortgage


Mortgages can be confusing, and choosing the wrong one could cost you thousands extra in the long run. Read this to learn the mortgage...

How to Prepare Your Home for a Hurricane How to Prepare Your Home for a Hurricane How to Prepare Your Home for a Hurricane How to Prepare Your Home for a Hurricane


There's no way to stop a hurricane, but there are steps you can take to prepare. Find out what steps you can take to minimize the damage.

7 Ways Uber and Lyft Drivers Can Protect Their Investment 7 Ways Uber and Lyft Drivers Can Protect Their Investment 7 Ways Uber and Lyft Drivers Can Protect Their Investment 7 Ways Uber and Lyft Drivers Can Protect Their Investment


Ridesharing can be a great way to earn a living – if you protect your income. Find out how to make sure your investment pays off.

How to Protect Your Home from Wildfires How to Protect Your Home from Wildfires How to Protect Your Home from Wildfires How to Protect Your Home from Wildfires


Wildfires are increasingly common and can devastate your home. Find out how to keep it safe.

Insurance Needs for Your Online Business Insurance Needs for Your Online Business Insurance Needs for Your Online Business Insurance Needs for Your Online Business


If you're running an online business, you have special insurance needs. Find out what policies are essential to keep you protected.

Cyber Liability Insurance: Is Your Business Covered? Cyber Liability Insurance: Is Your Business Covered? Cyber Liability Insurance: Is Your Business Covered? Cyber Liability Insurance: Is Your Business Covered?


Cyber attacks are more common than most people realize. Find out how to protect your business.

10 Ways to Prevent Theft and Break-Ins in Your Apartment 10 Ways to Prevent Theft and Break-Ins in Your Apartment 10 Ways to Prevent Theft and Break-Ins in Your Apartment 10 Ways to Prevent Theft and Break-Ins in Your Apartment


Your valuables might be vulnerable even when stored in your apartment. These tips will help you protect them.

How to Protect Against Identity Theft How to Protect Against Identity Theft How to Protect Against Identity Theft How to Protect Against Identity Theft


Identity theft is on the rise and costs consumers billions every year. Find out what steps you can take to protect your identity, online...

Why You Might Need Cyber Insurance (Even if You Run a Small Business) Why You Might Need Cyber Insurance (Even if You Run a Small Business) Why You Might Need Cyber Insurance (Even if You Run a Small Business) Why You Might Need Cyber Insurance (Even if You Run a Small Business)


Many small business owners don't realize that they are the prime target for cyber attacks. Find out how cyber insurance can give you the...

Insurance Advice from a Robot? It's Already Happening Insurance Advice from a Robot? It's Already Happening Insurance Advice from a Robot? It's Already Happening Insurance Advice from a Robot? It's Already Happening


Insurance companies are starting to use artificially intelligent robo-advisors. Find out what they are and what they mean for the future of...

How Smart Devices Can Protect Your Home and Help You Save on Insurance How Smart Devices Can Protect Your Home and Help You Save on Insurance How Smart Devices Can Protect Your Home and Help You Save on Insurance How Smart Devices Can Protect Your Home and Help You Save on Insurance


Smart devices are becoming widespread and increasingly sophisticated. Find out how they can protect your home and keep your insurance costs...

An Intro to Usage-Based Auto Insurance and Telematics An Intro to Usage-Based Auto Insurance and Telematics An Intro to Usage-Based Auto Insurance and Telematics An Intro to Usage-Based Auto Insurance and Telematics


Usage-based insurance powered by telematics offers fairer pricing for many drivers. Find out how it works and why it has revolutionized...

9 Ways to Keep Your Car From Being Stolen 9 Ways to Keep Your Car From Being Stolen 9 Ways to Keep Your Car From Being Stolen 9 Ways to Keep Your Car From Being Stolen


Vehicle theft is the only crime that increased in 2016. These tips will help reduce your risk of becoming a victim of car theft.

An Introduction to Mobile Home Insurance An Introduction to Mobile Home Insurance An Introduction to Mobile Home Insurance An Introduction to Mobile Home Insurance


If you own a mobile home, standard homeowners insurance may be inadequate or unavailable to you. Learn the basics of specialized mobile...

11 Winter Maintenance Tips for Your Home 11 Winter Maintenance Tips for Your Home 11 Winter Maintenance Tips for Your Home 11 Winter Maintenance Tips for Your Home


Winter weather poses special risks and challenges for home owners. These 11 tips will help you get through the season in comfort while...

12 Disability Benefit Riders to Improve Your Coverage 12 Disability Benefit Riders to Improve Your Coverage 12 Disability Benefit Riders to Improve Your Coverage 12 Disability Benefit Riders to Improve Your Coverage


Basic disability coverage rarely provides adequate compensation for serious illness or injury. Insurance companies offer a number of riders...

The Key Elements of an Insurance Contract The Key Elements of an Insurance Contract The Key Elements of an Insurance Contract The Key Elements of an Insurance Contract


There are many terms that are standard features of any type of insurance contract. Here are clear and concise definitions for these basic...

A Look at Uninsurable Risk A Look at Uninsurable Risk A Look at Uninsurable Risk A Look at Uninsurable Risk


What does insurance really cover? Reputation, government regulation, pandemics? Learn more about uninsurable risks.

5 Ways Climate Change Can Affect Your Home Insurance Policy 5 Ways Climate Change Can Affect Your Home Insurance Policy 5 Ways Climate Change Can Affect Your Home Insurance Policy 5 Ways Climate Change Can Affect Your Home Insurance Policy


The insurance industry is responding to increased property risks caused by climate change. Find out how they're changing and what it means...

6 Types of Insurance All Businesses Should Have 6 Types of Insurance All Businesses Should Have 6 Types of Insurance All Businesses Should Have 6 Types of Insurance All Businesses Should Have


If you own a business, you will need the right kind of insurance to protect against a variety of losses. Learn about the 6 essential...

How Do I Know If I Need Disability Insurance? How Do I Know If I Need Disability Insurance? How Do I Know If I Need Disability Insurance? How Do I Know If I Need Disability Insurance?


Disability can put a proverbial wrench in your earnings and daily life. This overview of disability insurance helps you determine if it's...

How to Choose an Insurance Company That Won't Go Out of Business How to Choose an Insurance Company That Won't Go Out of Business How to Choose an Insurance Company That Won't Go Out of Business How to Choose an Insurance Company That Won't Go Out of Business


Insurance is there to protect what you value, but what happens if your insurer goes under? Find out how to choose a company that will...