Category: Personal
Halloween 2020. Wow, what could go wrong? If this coming weekend is anything like the previous six months, plenty. With COVID-19, trick or treating will take on a different look this year, and so will your liability risks. I have…
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I don’t know about you, but fall is my favorite season. The weather is perfect, the leaves turn beautiful colors, and it means the holidays are quickly approaching. The worst part about the autumn season is that it goes too…
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Category: Home, Personal, Prevention, Weather
Tags: air filter, cleaning gutters, exterior faucets, freezing pipes, freezing weather, heating system, salt, smoke alarm, smoke detector, snow shovel, winter preparation, winter weather, winterizing your home
A few weeks ago, my sister asked me to stop by her house to check on a few things while she was on vacation. When I walked into her house, I nearly jumped out of my skin as I heard…
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Category: Central, Cyber, Home, Personal, Social Media, Technology
Tags: cyber crime, cyber insurance, cyber insurance coverage, cyber security, digital home, Internet of Things, National Cyber Security Alliance (NCSA), National Cyber Security Awareness Month, Personal Cyber Protection, phishing, security software, smart technology, strong password, system updates, technology, Two-Factor Authentication
It’s estimated the “Surface Web”—websites and data visible to everyone—represents less than five percent of the total information and locations on the internet. Beneath the surface lies the Deep Web—also known as the Hidden, Invisible and Dark Web. [1] In…
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Category: Cyber, Personal, Prevention, Technology
Tags: cyber attack, cyber crime, cyber insurance, cyber security, CyberScout, Dark Web, identity theft, identity thieves, Internet, password, Personal Cyber Protection, personal information, phishing scams, Two-Factor Authentication
Fall is in full force and winter is slowly approaching. People are lighting pumpkin spice candles, turning on the heat, and decorating for the upcoming holidays (I’m guilty on all accounts). And with the colder temperatures, people will be staying…
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Category: Home, Personal, Prevention
Tags: candle safety, candles, cooking fires, electrical fires, electrical outlets, fall, fire, fire alarms, fire extinguisher, fire hazard, fire prevention, fire prevention tips, Fire Prevention Week, fire protection equipment, fire safety, fireplace, heating fires, smoke alarm, winter
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
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