Insurance News: Personal Insurance Newsletter

Volume 24 No 2, April, 2016 Newsletter Archive
Appraising Your Appraiser

An appraiser assigns value to your property and potentially minimizes your exposure to certain risks, such as tax penalties. An inaccurate appraisal could hinder your ability to receive a fair price for property, increase the likelihood of a tax audit, or result in an inequitable division of property or inappropriate insurance coverage.

» Read more
Driving in Wet Weather

Each season brings with it changes to the road conditions that, in turn, affect the way we need to drive to remain safe. Driving in inclement weather is different from driving on dry pavement on a fine sunny day. Springtime often brings wet weather that makes seeing other vehicles, road signs, and the even the road itself more difficult, so it is important to be prepared to help ensure that you and your passengers remain safe.

» Read more
How to Use Fire Extinguishers

There are several precautions every household should take to protect against fire. Your first line of defense is to install smoke alarms, which should be located on each floor of your home. Secondly, your home should be equipped with fire extinguishers.

» Read more


Previous Personal Touch issues

+ Volume 24 No 1, January, 2016
Social Networking and Personal Liability

Social networking sites, such as MySpace and Facebook, offer members the opportunity to instantly connect with other members, including friends, relatives, co-workers, and the general public. Most social networking sites are free of charge and require a quick and easy registration process. Members are able to create a profile by posting personal information that can include photos, videos, and blog entries.

» Read more
Help Protect Posessions in Your Vehicle from Theft

Do you ever leave your car unlocked when you make a quick stop, or run into the supermarket for one or two items? Although many people do, this can make it easy for thieves to steal car stereos, DVDs, GPS devices, and other personal belongings from your vehicle in a matter of seconds.

» Read more
Your personal checklist

Reviewing your insurance program annually can be just as important as scheduling your annual health checkup. Your financial profile could have changed in the past year, so adjustments to your insurance coverage may be needed. Please take the time to complete this checklist and email it back to us.

» Read more


 

 

+ 2015 Newsletter Archive
+ Volume 23, No.1 - January, 2015

Volume 23, No. 1 - January, 2015 Newsletter Archive

Frozen Pipes: A Preventable Nightmare

As temperatures plummet, pipes can freeze and cause serious problems for homeowners. Since water expands as it freezes, this can cause pipes to crack or burst. Pipes with inadequate insulation and ventilation can then freeze.

» Read more
Your Vacation: An Invitation to Burglars?

Returning to a burglarized home can be a horrible jolt after a relaxing vacation. Unfortunately, the truth is that an empty home is an easy target for burglars, and peak vacation times show the highest number of break-ins. However, there is good news.

» Read more
Buying a New Home? Do Your "Homework"

Before you buy a new home, it pays to do some investigation to avoid taking on problems that may not be covered by your homeowners insurance. When contemplating the purchase of property, a home inspection is the first important step.

» Read more

+ Volume 23, No.3 - May, 2015

Volume 23, No.3 - May, 2015 Newsletter Archive

Swimming Pool Safety Tips

Dusting off the grill, adorning your windows with colorful geraniums, and opening up your pool area are among the rituals that mark the arrival of summer. While refreshing dips and other poolside fun create memorable times for your family and guests, swimming pools also carry the potential for fatal accidents or serious injuries to occur.

» Read more
Your Vacation: An Smooth Sailing with Boat Owners Insurance

On bright and sunny summer days, the allure of water can be irresistible. If you live near a lake, river, or ocean, boating trips may be the perfect getaway when warm weather hits. Before you set sail, take some time to consider whether you and your passengers meet the required safety standards and are prepared for any unforeseen events.

» Read more
Is Your Child Ready for a Seat Belt?

Motor vehicle accidents are the leading cause of death among children ages 3 to 14, according to the National Highway Traffic Safety Administration (NHTSA, 2013). Many injuries and deaths could be avoided if adults properly secure children in safety seats anchored to the vehicle's permanent seating. NHTSA reports that nearly 7 out of every 10 children in child safety seats are improperly restrained. However, when properly installed and used, safety seats reduce fatalities by 71% for infants and 54% for toddlers, ages 1-4.

» Read more

+ Volume 23, No.4 - December, 2015

Volume 23, No.4 - December, 2015 Newsletter Archive

Evaluating Your Homeowners Insurance

As a homeowner, you may be familiar with the protection your homeowners insurance policy offers for the structure of your home and its contents. However, you may be surprised to discover the extent to which a standard policy may protect against bodily injury and property damage you or a family member may cause others.

» Read more
Guarding Against Dangerous Gases

You can't see them, you can't taste them, you can't even smell them, but they may be in your home. Both carbon monoxide and radon can be a danger to you and your family. Similar to lead, carbon monoxide and radon enter the bloodstream through breathing, and high levels of ingestion can cause serious health problems.

» Read more
Appraising Your Prized Possessions

Television shows featuring auctions and appraisal fairs have ushered the art of appraising into the limelight with fascinating stories?an ancient artifact unknowingly passed down from generation to generation, a rare trinket picked up at a yard sale, or an historic relic found tucked away in the corner of the attic. If you know you own expensive items, such as antiques or artwork, or even think you might, consider having your valuables appraised for insurance purposes.

» Read more


+ 2014 Newsletter Archive
+ Volume 22, No. 1 - January, 2014

Volume 22, No. 1 - January, 2014 Newsletter Archive

Gas fireplace and chimney safety

Gas fireplaces can be a great addition to any home. In recent years they have gained in popularity because they are cleaner and more efficient than their wood-burning counterparts. There are some things you should know to help ensure your gas fireplace is working properly and safely. Just like wood-burning fireplaces, gas fireplaces require routine maintenance or they can be dangerous.

» Read more

Your personal checklist

Reviewing your insurance program annually can be just as important as scheduling your annual health checkup. Your financial profile could have changed in the past year, so adjustments to your insurance coverage may be needed. Please take the time to complete this checklist and email it back to us. Or, if you prefer to discuss your insurance needs in person, please call to schedule an appointment.

» Read more

+ Volume 22, No. 2 - May, 2014

Volume 22, No. 2 - May, 2014 Newsletter Archive

Driving in wet weather

Each season brings with it changes to the road conditions that, in turn, affect the way we need to drive to remain safe. Driving in inclement conditions is different than driving on dry pavement on a fine sunny day. Springtime often brings wet weather that makes seeing other vehicles, road signs, and the even the road itself more difficult, so it is important to be prepared to help ensure that you and your passengers remain safe.

» Read more
Insurance claim tips

Consider what might happen if your home or auto was damaged in a weather-related incident or, worse yet, an accident. You know you need to file an insurance claim, but you procrastinate because you think it's going to be a dreadful, time-consuming task. If you are wondering what you can do to make this process easier, you may find the following suggestions helpful.

» Read more
Check the health of your homeowners insurance

When was the last time you reviewed your homeowners insurance? For your financial well-being, it is important to make sure that costly coverage gaps have not developed since you purchased your homeowners policy. Here are some tips on how to keep your insurance up-to-date.

» Read more

+ Volume 22, No. 3 - September, 2014

Volume 22, No. 3 - September, 2014 Newsletter Archive

The Importance of Renters Insurance

At some point in your life, whether you are entering college or recently graduated, between homes, or temporarily living in a new city, you may need to rent a house or an apartment.

» Read more
On the Road with a Recreational Vehicle

Do you scout the rugged back country in an all-terrain vehicle (ATV) or escape the noise of the city from the rustic comfort of a camper trailer? Perhaps you crisscross the interstates and back roads in a motor home, visiting children and grandchildren, or skim snowy fields and ice-covered ponds on a snowmobile.

» Read more
Home Maintenance: Cleaning the Gutters

Part of every home maintenance program should include cleaning the gutters at least once a year. If left unattended, problems could ensue. Neglecting to regularly clean the gutters may affect the foundation of your house as well as its outside appearance.

» Read more

+ Volume 22, No. 4 - December, 2014

Volume 22, No. 4 - December, 2014 Newsletter Archive

Disaster preparedness for pet owners

Have you ever thought about what would happen to your pets if a disaster were to strike in your area? You may already be sufficiently prepared to ensure the safety of your family during a natural or man-made disaster. But do you also have a plan in place for your pets? If you have no evacuation plan for your companion animals, you might be reducing their chances of survival.

» Read more
How to avoid the ordeal of sewer backup

A sewer backup in your home might be expensive as well as unpleasant. Besides the cleaning costs, property is often damaged, as well. Unfortunately, many people mistakenly assume that they are covered under their standard homeowners insurance. But, a special sewer backup coverage endorsement must be purchased to be covered.

» Read more
Lead Paint: A Slow Poison

Lead paint can be a health hazard. Unless previously deleaded, most older homes and buildings constructed prior to 1978 are more than likely to contain lead paint. Lead paint exposure to children under age six may contribute to elevated levels of lead in their blood; when high enough, these could cause damage to a child's developing brain and body.

» Read more


+ 2013 Newsletter Archive

+ Volume 21, No. 1 - January, 2013

Volume 21, No. 1 - January, 2013 Newsletter Archive

Automatic garage door safety tips

Automatic garage doors can be a real convenience for families, allowing cars and people to enter and exit their house with the push of a button. But they can also pose a serious threat to households, particularly to young children. Automatic garage doors are often the largest and heaviest piece of moving equipment found in a house. They can weigh as much as 600 pounds.

» Read more

Homeowners insurance: protection in more ways than one

Most homeowners are familiar with Part I of their homeowners insurance policy, which covers damage to their property. However, many policyholders may be surprised to discover the extent to which Part II of a standard policy protects them against bodily injury and property damage a family member may cause others.

» Read more

Steer clear of night driving dangers

It's important to be aware of the unique concerns associated with driving after dark, as traffic-related death rates are three times higher at night than during the day.

» Read more

+ Volume 21, No. 2 - May, 2013

Volume 21, No. 2 - May, 2013 Newsletter Archive

How to use fire extinguishers

There are several precautions every household should take to protect against fire. Your first line of defense is to install smoke alarms, which should be located on each floor of your home. Secondly, your home should be equipped with fire extinguishers. Fire extinguishers can help save lives by putting out small fires. They should be placed in rooms where fires are most likely to break out, such as the kitchen, garage, or workshop.

» Read more

Appraising your prized possessions

Television shows featuring auctions and appraisal fairs have ushered the art of appraising into the limelight with fascinating stories?an ancient artefact unknowingly passed down from generation to generation, a rare trinket picked up at a yard sale, or an historic relic found tucked away in the corner of the attic.

» Read more

The dangers of texting while driving

Texting while driving is the most dangerous kind of distracted driving. Why? Because it combines three kinds of distractions simultaneously?it takes your eyes off the road, your hands off the wheel, and your mind off driving.

» Read more

+ Volume 21, No. 3 - September, 2013

Volume 21, No. 3 - September, 2013 Newsletter Archive

Social networking and personal liability

Social networking sites, such as MySpace and Facebook, offer members the opportunity to instantly connect with other members, including friends, relatives, co-workers, and the general public. Most social networking sites are free of charge and require a quick and easy registration process. Members are able to create a profile by posting personal information that can include photos, videos, and blog entries.

» Read more

Odometer mileage and the tricks af the used vehicle trade

With the price tags on new cars continuing to rise, it's no surprise that illegal mileage tampering in the used vehicle marketplace is thriving. The rollback or resetting of a vehicle's odometer, the dashboard device that records the distance driven in a vehicle, has become a difficult crime to uncover and is a highly profitable activity for criminals, professional and amateur alike, who deliberately falsify mileage to sell used vehicles at higher prices.

» Read more

Safely insured against severe storms

Homeowners who live in areas affected by hurricanes know that the damage incurred by such storms can be significant. Reviewing the current insurance coverage on your home and valuables may help ensure that you have appropriate coverage in place long before a storm hits. Protecting your property is a primary concern, especially since the cost of replacing items or repairing damage can be high. Most homeowners rely on their homeowners policies to insure their property against such losses.

» Read more

+ Volume 21, No. 4 - December, 2013

Volume 21, No. 4 - December, 2013 Newsletter Archive

Guarding against dangerous gases

you can't see them, you can't taste them, you can't even smell them, but they may be in your home. Both carbon monoxide and radon can be a danger to you and your family. Similar to lead, carbon monoxide and radon enter the bloodstream through breathing, and high levels of ingestion can cause serious health problems.

» Read more

Should your homeowners policy insure your land?

Countless issues are involved in a home-buying decision: location, taxes, schools, recreational facilities, shopping conveniences, size, quality of construction, your commute, and the list goes on. Insurance concerns typically come much later?perhaps after you have decided on a particular house and are looking to close the deal.

» Read more

Do you need rental car insurance?

The cost of rental car insurance continues to increase each year. While, understandably, you may feel compelled to decline this coverage from the rental car agency, make sure you consider the following points first.

» Read more


+ 2012 Newsletter Archive

+ Volume 20, No. 1 - January, 2012

Volume 20, No. 1 - January, 2012 Newsletter Archive

The basic three: life, health, and disability insurance

Death, illness, and disability can have an impact on your financial and emotional well-being. Life, health, and disability income insurance can help you prepare for unpredictable events. Each type of insurance plays an important role in helping to protect you and your family.

» Read more

Help protect possessions in your vehicle from theft

Do you ever leave your car unlocked when you make a quick stop, or run into the supermarket for one or two items? Although many people do, this can make it easy for thieves to steal car stereos, CDs, GPS devices, and other personal belongings from your vehicle in a matter of seconds.

» Read more

Tips for preventing frozen pipes

As temperatures plummet, pipes can freeze and cause serious problems for homeowners. Since water expands as it freezes, this can cause pipes to crack or burst. Pipes with inadequate insulation and ventilation can then freeze.

» Read more

+ Volume 20, No. 2 - May, 2012

Volume 20, No. 2 - May, 2012 Newsletter Archive

A road map for RV insurance

Do you scout the rugged back country in an all terrain vehicle (ATV) or escape the noise of the city from the rustic comfort of a camper trailer? Perhaps you crisscross the interstates and back roads in a motor home, visiting children and grandchildren, or skim snowy fields and ice-covered ponds on a snowmobile.

» Read more

Is your child ready for a seat belt?

Do you ever leave your car unlocked when you make a quick stop, or run into the supermarket for one or two items? Although many people do, this can make it easy for thieves to steal car stereos, CDs, GPS devices, and other personal belongings from your vehicle in a matter of seconds.

» Read more

It's time for your annual insurance review

The amount of insurance you need can change considerably from year to year. Therefore, evaluating your insurance coverage annually is important to check for any gaps in your coverage and make sure you are adequately protected.

» Read more

+ Volume 20, No. 3 - Sept, 2012

Volume 20, No. 3 - Sept, 2012 Newsletter Archive

How to avoid the ordeal of sewer backup

A sewer backup in your home can not only be unpleasant, but also expensive. Besides the cleaning costs, property is often damaged, as well. Unfortunately, many people mistakenly assume that they are covered under their standard home-owners insurance.

» Read more

Smooth sailing with boat owners insurance

On bright and sunny summer days, the allure of water can be irresistible. If you live near a lake, river, or ocean, boating trips may be the perfect getaway when warm weather hits. Before you set sail, take some time to consider whether you and your passengers meet the required safety standards and are prepared for any unforeseen events.

» Read more

Burglar-proofing your home

Returning to a burglarized home can be a horrible jolt after a relaxing vacation. Unfortunately, the truth is that an empty home is an easy target for burglars, and peak vacation times show the highest number of break-ins. However, there is good news.

» Read more

+ Volume 20, No. 4 - Dec, 2012

Volume 20, No. 4 - December, 2012 Newsletter Archive

Disaster preparedness for pet owners

Have you ever thought about what would happen to your pets if a disaster were to strike in your area? You may already be sufficiently prepared to ensure the safety of your family during a natural or man-made disaster. But do you also have a plan in place for your pets?

» Read more

Identity theft: where you can go for help

When it comes to the crime of identity theft, a strong offense may be your best defense against it. Taking some preventive measures can help protect you from becoming a victim of this crime, including not disclosing your personal information online indiscriminately, for example on social media sites, and annually checking your credit report for any inconsistencies or errors.

» Read more

The winding road of automobile insurance

Auto insurance is an important element in today's mobile society. As you choose the coverage that's right for you and your family, you will most likely have to navigate through a maze of options, terminology, and costs. To help you along the way, here's a quick look at some key components of a typical automobile insurance policy.

» Read more


+ 2011 Newsletter Archive

+ Volume 19, No. 1 - January, 2011

Volume 19, No. 1 - January, 2011 Newsletter Archive

Electric space heater safety

When the temperature drops outside, many people turn to electric space heaters as an economical way to heat a room without having to heat their entire home. Although space heaters can be a good secondary or supplemental heat source, it is important to follow safety precautions when using them.


» Read more
Simple steps to trim auto insurance costs

Most people recognize that auto insurance is a necessary and valuable means of protection. However, increased repair costs, medical expenses, theft claims, and injury lawsuits are all adding to the cost of auto insurance.

» Read more
To rent and not to worry

Predicting when a fire, natural disaster, or burglary will occur is nearly impossible. Fortunately, protecting your personal belongings from disaster is not. If you are a renter, you need to be aware that your landlord's insurance will not cover damage to your personal possessions in these situations.

» Read more

+ Volume 19, No. 2 - May, 2011

Volume 19, No. 2 - May, 2011 Newsletter Archive
Getting more miles from a tank of gas
With an unpredictable economy and concerns about global warming, conserving gas has become a priority. While trading in your car or truck for a fuel-efficient compact or hybrid may not be an immediate option, there are strategies that can help you minimize gas consumption while continuing to drive your current vehicle.
» Read more
Tips on easing computer strain
Most people recognize that auto insurance is a necessary and valuable means of protection. However, increased repair costs, medical expenses, theft claims, and injury lawsuits are all adding to the cost of auto insurance.
» Read more
Brushing up on everyday insurance terms
Predicting when a fire, natural disaster, or burglary will occur is nearly impossible. Fortunately, protecting your personal belongings from disaster is not. If you are a renter, you need to be aware that your landlord's insurance will not cover damage to your personal possessions in these situations.
» Read more

+ Volume 19, No. 3 - September, 2011

Volume 19, No. 3 - September, 2011 Newsletter Archive
Cleaning up after a natural disaster
Once the shock of a natural disaster lessens, it's time to regroup and pick up the pieces. When cleaning up after a hurricane, tornado, thunderstorm, flood, or other natural disaster, a homeowner has to decide what can be salvaged and what must be thrown away.
» Read more
Grilling safety tips
According to the National Fire Protection Association, approximately 7,900 home fires occur each year involving grills, hibachis, and barbecues.
» Read more
Enjoying the open road with motorcycle insurance
Your bike is a unique extension of your personal taste. Most motorcycle owners take meticulous care when shopping for that new ride. Shopping for motorcycle insurance should be the same. Let's look at the following types of coverage to determine what will best suit your needs.
» Read more

+ Volume 19, No. 4 - December, 2011

Volume 19, No. 4 - December, 2011 Newsletter Archive
How to protect yourself from a stage accident
In an increasingly mobile society, drivers should be aware of the unfortunate reality of staged auto accidents, which can lead to injury, as well as indisputable surcharges on your insurance policy. Drivers of all ages and experience levels could fall prey to this type of insurance fraud.
» Read more
The truth about insurance rates
Although the word "accident," by definition, means "unintentional," many car accidents are the result of negligence by at least one driver. Consequently, higher insurance costs exist for everyone. These higher premiums particularly affect individuals who may be considered at a greater risk of having an accident.
» Read more
Lead: a home health hazard
Unless otherwise "de-leaded," many older homes and buildings constructed prior to 1978 are likely to contain lead paint, which is the most common form of lead found in homes. Fortunately, home sellers and landlords are now required to disclose any "known information" on lead in the home.
» Read more


+ 2010 Newsletter Archive

+ Volume 18, No. 2 - May, 2010

Volume 18, No. 2 - May, 2010 Newsletter Archive
Social networking and personal liability
Social networking sites, such as MySpace and Facebook, offer members the opportunity to instantly connect with other members, including friends, relatives, co-workers, and the general public. Most social networking sites are free of charge and require a quick and easy registration process.
» Read more
Insurance claim tips
Consider what might happen if your home or auto was damaged in a weather-related incident or, worse yet, an accident. You know you need to file an insurance claim, but you procrastinate because you think it?s going to be a dreadful, time-consuming task.
» Read more
Get smart about sewer backup
A sewer backup in your home is not only unpleasant, but it can also be expensive. Besides the cleaning costs, property is often damaged, as well. Unfortunately, many people mistakenly assume that they are covered under their standard homeowners insurance.
» Read more

+ Volume 18, No. 3 - August, 2010

Volume 18, No. 3 - August, 2010 Newsletter Archive
Safely insured against severe storms
Homeowners who live in areas affected by severe storms, like hurricanes and tornados, know that the damage incurred can be significant. Reviewing the current insurance coverage on your home and valuables may help ensure that you have appropriate coverage in place long before a storm hits.
» Read more
Protecting valuables in your car
Do you ever leave your car unlocked when you run into the grocery store or make another quick stop? While many people do, this can make it easy for thieves to steal car stereos, GPS systems, portable music players, expensive sunglasses, and other personal belongings from your vehicle in a matter of seconds.
» Read more
Appraising your prized possessions
Television shows featuring auctions and appraisal fairs have ushered the art of appraising into the limelight with fascinating stories: an ancient artifact unknowingly passed down from generation to generation.
» Read more
+ Volume 18, No. 4 - November, 2010

Volume 18, No. 4 - November, 2010 Newsletter Archive
Notes about homeowners insurance
Most homeowners are familiar with the protection their homeowners insurance policy offers for the structure of their home and its contents. However, you may be surprised to discover the extent to which a standard policy might protect against bodily injury and property damage a family member may cause others.
» Read more
Guarding against dangerous gases
You can't see them, you can't taste them, you can't even smell them, but they may be in your home. Both carbon monoxide and radon can be a danger to you and your family. Similar to lead, carbon monoxide and radon enter the bloodstream through breathing, and high levels of ingestion can cause serious health problems.
» Read more
Teen driving: considerations for parents
Is your teenager approaching his or her 16th birthday? If so, your son or daughter may be thinking about getting a driver's permit or license. As a parent, you reserve the right to determine whether or not your teenager may drive.
» Read more

+ 2009 Newsletter Archive

+ Volume 17, No. 1 - March, 2009

Conduct a homeowners insurance checkup
when was the last time you evaluated your home- owners insurance? Have your needs changed since you initially purchased your homeowners policy? If so, there may be gaps in your insurance coverage.
» Read more

Frozen pipes: a preventable nightmare
As temperatures plummet, pipes can freeze and cause serious problems for homeowners. Water expands as it freezes. This can cause pipes to crack or burst. Pipes with inadequate insulation and ventilation can also freeze.
» Read more
Can-do candle safety
In the midst of winter, nothing transforms a house into a home more quickly than a candle. However, according to the National Fire Protection Association (NFPA, 2008), an estimated 15,600 home fires were started by candles in 2005.
» Read more

+ Volume 17, No. 2 - May, 2009

Smooth sailing with boat owners insurance
On bright and sunny summer days, the allure of water can be irresistible. If you live near a lake, river, or ocean, boating trips may be the perfect getaway when warm weather arrives.
» Read more
Complete your collection with insurance
If you're a collector who has put years, or possibly a lifetime, into acquiring a collection, you could find it gone in an instant if a fire, theft, or other disaster occurs. Because these prized possessions may not be covered by your homeowners policy, consider adding a personal articles floater to help broaden the protection for your collection.
» Read more
Fire prevention for kids
According to the National SAFE KIDS Campaign (2009), one of the leading causes of unintentional death and injury to children is fire. Many fires erupt while young children are playing with matches and lighters at home.
» Read more
+ Volume 17, No. 3 - August, 2009

Is your child ready for a seat belt?
Motor vehicle accidents are the leading cause of death among children ages 2 to 14, according to the National Highway Traffic Safety Administration (NHTSA, 2009). Many of these injuries and deaths could be avoided if adults would take the time to learn how to properly secure children in safety seats that are anchored to the car's permanent seating.
» Read more
Home sweet home: the power of your homeowners policy
If you're like most homeowners, the importance of homeowners insurance is obvious. If your home were damaged as a result of fire, theft, lightning, heavy snow, or high winds, your homeowners policy would likely cover the cost of damage.
» Read more
When a car crash is no accident
Our society has become increasingly mobile. As a driver, you should be aware of the unfortunate reality of staged auto accidents. They can lead to injury, as well as indisputable surcharges on your insurance policy. Anyone can fall prey to this type of insurance fraud, even safe and conscientious drivers.
» Read more

+ Volume 17, No. 4 - Novemer, 2009

ID theft: how does it happen?
The Internet and automated teller machines (ATMs), now widely used for a variety of financial transactions, such as shopping online and making cash withdrawals, are often cited as two contributing factors to identity theft.
» Read more
The basic three: life, health, and disability insurance
If you're like most homeowners, the importance of homeowners insurance is obvious. If your home were damaged as a result of fire, theft, lightning, heavy snow, or high winds, your homeowners policy would likely cover the cost of damage.
» Read more
Review your insurance needs annually
The amount of insurance you need can change considerably from year to year. Therefore, evaluating your insurance coverage annually is important. Be sure to check for any gaps in your coverage and make sure you are adequately protected.
» Read more


+ 2008 Newsletter Archive

+ Volume 16, No. 1 - March, 2008

Lead in your home: a slow poison
Lead is a proven health hazard. Unless otherwise "deleaded," most older homes and buildings constructed prior to 1978 are likely to contain lead paint, which is the most common form of lead found in homes. Fortunately, home sellers and landlords are now required to disclose any "known information" on lead in the home.
» Read more
Guarding against dangerous gases
You can't see them, you can't taste you can't see them, you can't taste them, you can't even smell them, but they may be in your home. Both but they may be in your home. Both carbon monoxide carbon monoxide and radon can be a danger to you and your family.
» Read more
Your personal checklist
Just as your health needs an annual checkup, so does your insurance program. Although you may be unaware of it, your financial profile has probably changed over the past year. Therefore, you may need to adjust your insurance coverage.
» Read more

+ Volume 16, No. 3 - August, 2008

If you rent, cover yourself
Many people who rent may assume that damage to their personal items will be covered by a landlord?s insurance should their rental property fall victim to a fire, theft, explosion, or other disaster.
» Read more
Be safe by digging safe
Eventually, just about every property owner plans for renovations and home improvements. If you are planning a backyard project that involves digging, you should know that many state laws mandate the reporting of your excavation two to three days beforehand.
» Read more
Factoring auto insurance rates
Although the word ?accident,? by definition, means ?unintentional,? many accidents are the result of negligence by at least one driver. Consequently, higher insurance costs exist for everyone.
» Read more

+ Volume 16, No. 4 - November, 2008

Understanding the importance of insurance
An unexpected occurrence, such as a death, disability, or other personal loss, is certainly not the type of event for which you can easily plan. Yet, the financial ramifications can be staggering – not only for you, but for your family as well. Therefore, it is important to make a risk management plan part of your overall financial strategy.
» Read more
Getting more miles from a tank of gas
With volatile gas prices and mounting concerns about global warming, conserving gas has become a national priority. While trading in your car or truck for a fuel-efficient sub-compact or hybrid may not be an immediate option, there are strategies you can use to minimize gas consumption while continuing to drive your current vehicle.
» Read more
Replacement parts: denting your wallet?
Every year, the insurance indus- try spends huge sums for parts and labor to repair vehicles damaged in auto accidents. The high costs are due, in large part, to the price of manufacturers replacement parts, which often carry expensive price tags. Unfortunately, these costs are ultimately reflected in your auto insurance premiums.
» Read more

+ 2007 Newsletter Archive
+ Volume 15, No. 1 - January, 2007

Protecting your home against mold
Mold damage is a potential threat to any building. Whenever water enters a home, fungi commonly referred to as mold can form on a wide range of materials, including drywall, wood, and carpeting. Because mold survives by breaking down and feeding upon organic material, it can cause serious damage within a short period of time...
» Read more
A close look at condo insurance
Unlike most homes, part of a condominium is "shared" property, and part of it belongs to the unit owner. Most condo associations provide a certain amount of insurance protection, which sometimes causes confusion over the condo unit owner’s individual responsibility.
» Read more
Your personal checklist
When was the last time you reviewed your homeowners insurance? For your financial health, it?s important to make sure that costly coverage gaps haven?t developed since you purchased your homeowners policy.
» Read more

+ Volume 15, No. 2 - May, 2007

Homeowners insurance
Over 3,000 years ago, a written code of laws, inscribed on a stone monument in the center of an ancient city, included what may be the first recorded mention of insurance. Under such laws, the neighbors of a resident who fell victim to a robbery would pay restitution for stolen goods if the was not found and tperpetratorried...
» Read more
Operating a business from home—what’s covered?
The typical risks of a home-based business may seem less significant to a larger company, but they can have an extreme impact on the financial situation of a home-based business owner. Consider what might happen to your company if your computer were stolen while your're away for the weekend, important business files were destroyed when water flooded your basement during a heavy downpour, or a courier fell in your driveway while delivering a package...
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Let's talk about fire prevention
According to the National Fire Prevention Association (NFPA, 2006), 388,500 U.S. home fires resulted in 13,650 injuries and 3,145 deaths in 2003. Children under the age of five were twice as likely to experience death in a home fire during that year; they accounted for 14% of home fire deaths, but only 7% of the U.S. population.
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+ Volume 15, No. 3 - September, 2007

Valuation “insures” protection
Is your family heirloom a hidden treasure? Television shows featuring auctions and appraisal fairs have ushered the art of appraising into the limelight with fascinating stories—an ancient artifact unknowingly passed down from generation to generation, a rare trinket picked up at a yard sale, or an historic relic found tucked away in the corner of an attic.
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Do you know what your insurance doesn’t cover?
When you buy homeowners and motor vehicle insurance, you probably file your policies away without looking at them. And, chances are, you may not take them out again until you need to file a claim. However, it’s worth taking a few moments to review your policies before you suffer a loss. Generally, insurance policies carry exclusions—restrictions on what is and is not covered. Here are some common exclusions you may find in your coverage.
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Flood insurance: staying high and dry
If you don’t live in an area considered to be at high risk for flooding, you may not be aware that your home could nonetheless be vulnerable. Almost one-quarter of flood insurance claims are filed by people living in areas with minimal flood risk, according to the Federal Emergency Management Agency (FEMA).
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+ Volume 15, No. 4 - November, 2007

Handling an auto accident after it occurs
Even the best drivers may find themselves involved in an auto accident at some point. If you find yourself in this situation, it’s important to know what to do. An accident can leave you feeling shaken, or you may be faced with serious injuries or property damage. Even if the incident is only a minor fender-bender, it could very well set your nerves on edge.
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Identity theft: protection and prevention
Identity theft—using another person’s personal information to commit unlawful activity—has become a crime epidemic in recent years. The Federal Trade Commission (FTC, 2007) reported that their complaint database, Consumer Sentinel, received over 670,000 complaints of fraud and ID theft in 2006. Identity theft can be emotionally and financially devastating.
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The basic three: life, health, and disability insurance
Death, illness, and disability can bring financial, as well as emotional, stress. Although the thoughts of losing a loved one, of becoming sick, or of losing the ability to earn a living are not pleasant subjects to consider, they may drastically change your life at any time.
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+ 2006 Newsletter Archive
+ Volume 14, No. 1 - May, 2006

Cleaning up after a disaster
Once the shock of a disaster wanes, it?s time to regroup and pick up the pieces. When cleaning up after a fire, storm, or flood, the homeowner has to decide what can be salvaged and what must be thrown away. In worst case scenarios, such as in the Gulf Coast region devastated by Hurricane Katrina, standing water, sludge, and sewage can destroy entire homes. But even a flooded basement, leaky roof, or small fire can cause extensive property damage for many homeowners.
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Review your insurance needs annually
The amount of insurance you need can change a great deal from year to year. As a result, evaluating your insurance coverage should always be added to your list of annual reviews. To refresh your memory about the amount of insurance you have and its coverage limits, carefully re-read both your auto and homeowners or renters insurance policies.
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Six easy ways to trim auto insurance costs
Would you like to reduce the cost of insuring your vehicle? Here are some tips that can help you save money on your auto insurance: Raise your deductibles, Drive defensively, Buy a low-profile car, Reduce insurance on older cars, Inquire about discounts, Update your policy, as necessary.
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+ Volume 14, No. 2 - June, 2006

Safety tips for older drivers
Cars and travel are American classics, and nobody wants to relinquish mobility, regardless of age. Older drivers have decades of safe driving experience behind them, but the aging process may bring about a gradual decline in vision, hearing, and/or the ability to react quickly to abrupt changes in driving conditions. To maintain independence as traffic becomes heavier, speedier, and more congested, it may be helpful for seniors to take a refresher course in driving safety procedures
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Insurance 101: the basic terms
You’ve heard time and again how important it is to be familiar with your insurance policies. However, we understand that this isn’t as easy as it sounds. The insurance business, like most industries, has its own, often confusing jargon. To help you gain a better understanding of your policies, and of insurance in general, here are some common insurance terms and their definitions:
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Weathering the storm: how good is your homeowners policy?
No matter where you live, severe weather, in one of its many forms, is always a threat. Whether from a hurricane, tornado, flood, or blizzard, weather-related occurrences may leave behind a trail of widespread damage. Sometimes, weather-related damage to a house and property is minor; at other times, it may be catastrophic. In any event, it is always good to know what natural perils your homeowners policy covers and what may be excluded. Let’s take a closer look.
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+ Volume 14, No. 4 - December, 2006

Buying a new home? do your ?homework?
Before buying a new home, you?d be wise to do your ?homework? to avoid taking on some problems that your home-owners insurance may not cover. Having a home inspection is an important step when contemplating the purchase of property. A professional inspector should be familiar with building codes and be able to determine if any problems exist...
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In the doghouse with vicious breeds
If you are a dog owner, your pet may be your loyal friend and constant companion. However, if you are a homeowner, your dog could cause a few problems. Sometimes your dog’s breed can affect the approval or renewal of your homeowners insurance.
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Check the health of your homeowners insurance
When was the last time you reviewed your homeowners insurance? For your financial health, it?s important to make sure that costly coverage gaps haven?t developed since you purchased your homeowners policy.
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