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Flood insurance: Storm claims Q&A, part 3

March 12 2018
When you think of flooding, you may think strictly of rivers or bodies of water. Did you know that: •Homeowners are 4 times more likely to sustain a loss from a flood than a fire. •25 percent of all flood insurance claims are filed in low- to moderate-risk areas. Here are some common questions that we get about floods...

Insuring your home-based business

February 22 2018
Whether you’re running a part-time, seasonal or full-time business from your home, you’ll want to carefully consider your risks and insurance needs. Starting a business—even at home—can be a challenging venture, and having the right insurance can provide a financial safety net and peace of mind.

Can you afford to replace that ring, bracelet, etc.?

February 13 2018
Insuring jewelry is different from your other personal possessions. Standard home, renter and condo policies generally have a $1,000 specific limit in the event of theft. You may be able to increase that amount to $3,000 with some companies; however, for an expensive piece such as an engagement ring, you probably would have a coverage gap. Find out how you can protect the full value of your high value jewelry and get better coverage for situations such as losing the ring or a stone falling out.

11 things to discuss with your agent before taking action

February 12 2018
Sometimes decisions you make can impact the pricing and availability of insurance. If you’re contemplating any of these decisions, be sure to speak to your insurance agent first to discuss how these issues can impact your insurance coverage and premium.

Safe driving tips for teens

February 05 2018
No one thinks an accident will happen to them until it does, and the statistics show that new drivers are at greater risk of being involved in an accident. Safe driving helps avoid accidents and saves lives. It can also save you money because often insurance costs to go up if you have an accident. When you have a good driving record, car insurance is more affordable. Here are eight ways to be safer on the road.

Social host liability: Serving alcohol at a party? Be a responsible host.

February 02 2018
If you're planning to serve alcohol at your home, take steps to limit your liquor liability and make sure you have the proper insurance. Social host liability is the legal term for the criminal and civil responsibility of a person who furnishes liquor to a guest. Social host liability can have serious consequences for party throwers.

12 steps for locating a lost life insurance policy

January 25 2018
Locating life insurance documents for a deceased relative can be a daunting task—for one thing, as of this moment there are no national databases of all life insurance policies. However, with a little sleuthing, you can successfully navigate the paper trail. Here are some strategies to help simplify your search.