Category: Personal
According to the Insurance Information Institute (III), wind/hail damage is the highest property claim type in terms of loss frequency. Water damage/freezing comes in second on this not so great list. With this in mind, I would like to give…
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Category: Claims, Home, Personal
Tags: back up power, claims, cleaning gutters, freezing, freezing pipes, gutters, hail damage, handrails, heating system, insulation, Insurance Information Institute, loss frequency, personal property, personal property coverage, preparedness, property damage, property owner, sealing doors, sealing windows, steps, subrogation, tree maintenance, trees, water damage, water pipe, wind damage, window seals, winter preparation, winter weather
Back in 2017, I wrote about several misconceptions that are common to personal umbrella policies. While those four misconceptions still hold true, I thought I would turn this into a two-part series since there are other misconceptions that are quite…
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Category: Auto, Home, Personal, Umbrella
Tags: extra protection, Personal, personal insurance, Personal Umbrella, personal umbrella policy, protection, umbrella, umbrella policy
Buying a new car is such an exciting experience. You’ve done all the research, you’ve finally found the perfect car and you are about to pull the trigger and start the purchasing process. But are you prepared? Did you bring…
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Category: Auto, Liability, Personal
Tags: auto insurance, auto policy, buying new car, car, car dealer, driver's license, new car, pay stubs, proof of insurance, trade documents
Since October of last year, I always try to have my phone’s ringer turned up if I am not working, and I’m much more adamant about picking up a phone call. Like many people, I tended to silence my phone a…
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Category: Home, Personal, Prevention, Social Media, Technology
Tags: computer attack, computer attacks, cyber, cyber attack, cyber crime, cyber criminals, cyber insurance, cyber insurance coverage, cyber risk, cyber security, cyber thief, cybercrime, cybersecurity, hacked, hacker, Personal Cyber Protection, scam, scams
Imagine your child and his friends are playing with the new, family pup in the backyard. Suddenly, the dog bites your son’s friend in the face causing permanent harm. You are legally liable for the costs, and the limits on…
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Category: Accident, Auto, Claims, Liability, Personal, Umbrella
Tags: insurance policy, liability, liability coverage, liability exposures, liability insurance, liability limits, Personal Umbrella, personal umbrella policy
Back to school season is upon us. Many school officials, teachers, students, and families don’t know what this school year will look like, as the COVID-19 pandemic is affecting when and how students are returning to school. One thing everyone…
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Category: Education, Personal, Prevention, Social Media, Technology
Tags: back to school, children, computer attack, cyber attack, cyber risk, cyberbulling, cybersecurity, e-mail spoof, kids, malware, online safety, Personal Cyber Protection, phishing scams, scams, students, virtual
As the end of summer is approaching, now is a good time to revisit the phenomenon of hail and the possible damage it can do. As the National Severe Storms Laboratory indicates, hail is a form of precipitation consisting of…
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Category: Claims, Home, Personal, Weather
Tags: hail, hail damage, hail storms, hailstones, home, homeowners insurance, homeowners policy, roof, roof damage, severe weather, weather losses
As students head off to school this fall, they need to stay vigilant against the scams, schemes, and tricks of identity fraudsters. Student identity theft is on the rise, all around the world. Like most predators, identity thieves like to…
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Category: Education, Personal, Prevention, Technology
Tags: college student, coverage for college student, credit card, cyber, cyber crime, cyber security, CyberScout, friendly-fraud, identity fraud, identity theft, scams, stolen identity, student away at school, student identity
This is the time of year I often receive questions about the coverages needed to protect students who are going away for school. These requests are common for parents sending their children off to college for the first time. College…
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Category: Financial, Home, Liability, Personal, Umbrella
Tags: additional interest, college, college student, college students, dorm room, homeowners policy, personal liability coverage, personal property, personal property coverage, Personal Umbrella, personal umbrella policy, renters insurance
Many of us are well aware that owning a car can be expensive (especially a new car)! According to a AAA study, the average cost of owning and operating a new car was $773.50 a month in 2019. Expenses like…
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Category: Auto, Central, Financial, Home, Independent Agents, Personal, Saving Money
Tags: deductible, discounts, discounts & credits, independent agent, insurance premium, loss, loyalty credit, package discount, premium discounts, protection, saving money
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