Whether you’re a new empty-nester or the one taking flight to college or a first apartment, it’s a big adjustment. It’s also a good time to make sure the right insurance is in place. Are full-time students or renters covered under their parents’ policies? Get the answers — as well as some tips to keep your stuff safe and sage advice on car safety — in this issue.

There's no doubt about it: insurance can be complicated business.

But we have plenty of resources to help you find the answers you seek. Check out the following:

• ERIE's Web site. You’ll find lots of no-nonsense information and insurance glossaries along with our online auto quote tool, life insurance calculator and plenty of FAQs.
• The Eriesense archives. Here you can search by keyword to access every article on a given topic.
• Your ERIE Agent. Your Agent’s job is to help you, so don’t hesitate to throw any questions his or her way.

Another treasure trove of all things insurance is at the Insurance Information Institute’s Web site.

Ashley Galliart, owner of Luscious Layers Bakery in Chicago, knows how to have her cake and eat it too. She shared with us her favorite wedding cake memory, the bakery’s biggest sellers, and why she’s with ERIE.

Want to keep your auto insurance rate the same next year? And the year after that? And the year after that? With ERIE’s new Rate Lock^sm feature, you can do just that.

A small amount of water can cause big problems when your home or business is damaged. Find out how to keep water damage from soaking your wallet.

With one in college and one just out, columnist Kathy Felong knows what it’s like to have kids fly the coop. Her advice? “Let go and let guide.”