Posts in Personal Insurance
Reviewing Your Homeowner's Insurance Policy Limits

With ever-fluctuating home values, are you confident your homeowner’s insurance policy limits are enough to cover the cost of rebuilding your home, should the unexpected happen? As a homeowner, you need to protect your investment. The following tips will help you ensure you have the coverage you need—eliminating worry and additional hassles.

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Safeguarding Your Valuables

According to the Jewelers Security Alliance, reports of grab and run thefts increased from 301 in 2015 to 420 in 2016, a 40% increase. The average grab and run loss in 2016 was $7,664. With Valentine’s Day approaching, February can bring both—the romance and the ROBBERIES. Well-known Hollywood figures that have reported having hundreds of thousands of dollars’ worth of valuables stolen include John Stamos’ fiance Caitlin McHugh, Hilary Duff, Alanis Morissette and Simon Cowell to name a few. With people regularly posting schedules and other agendas online we are the peak of vulnerability. Criminals have (almost) an exact idea of people valuables and possessions, and when homes could potentially be empty.

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10 Fall Home Maintenance Tips

Fall is the perfect time to take care of the little things that can make a big difference around your home. Disregarding these tasks can lead to costly home repairs and potentially raise your insurance premiums. Whether you choose to tackle these chores on your own or hire a professional, you’ll save time and money and reduce your risk of home damage.

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Hurricanes & Protecting Your Valuables

From June through November, hurricanes are at their peak. During a hurricane, heavy rains and catastrophic winds barrel through coastal areas and can severely damage or destroy homes and businesses. According to CoreLogic, a property information and analytics company, an estimated 8.5 million properties were under significant risk of potential property damage, due to extreme weather conditions from the latest Hurricane Irma.

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Protect Your Home While You Are Away

Home sweet home . . Did you know that most burglaries occur during daylight hours when victims of burglary are either at school or work? Data from the FBI's Uniform Crime Reporting (UCR) Program in 2015 shows that an average property loss accounted for $2,316 per break in. With an estimated 1,579,527 acknowledged housebreaks, victims suffered over $3.6 billion in property losses. Although that number has decreased by 0.6 percent from 2015 to 2016, these numbers do not account for any additional psychological costs to the homeowners.

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Protect Yourself from Cyber Crime

Identity fraud is one of the fastest growing types crime in the U.S. and it can be devastating. When your identity is stolen, it usually takes a fair amount of time and money, and a considerable amount of frustration, to make sure the fraud is contained and you don’t suffer any more adverse consequences.

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Insurance Myths That Are Costing You Money

Insurance is necessary for our everyday lives but it can be pretty confusing if you're not a trained professional in the industry. You may start hearing what you should and shouldn't buy, but some of the advice surrounding insurance could end up costing you money because it's not based on facts. To help you debunk the rumors and improve your bottom line, we've come up with the top myths surrounding home, life, and auto insurance.

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Steps to Take After a Car Accident

We’ve all been there – you stop too soon or not soon enough, you check your mirrors but a car is in your blind spot…you’ve just been in a car accident. When this happens, where do you start?

Research shows that an estimated 10 million vehicle accidents happen in the US annually ranging from small fender benders to totaling collisions. Here’s the good news: we’ve put together the steps to take in the event that you have a collision.

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Protect Yourself From Identity Theft

Identity fraud is one of the fastest growing types of white-collar crime in the U.S. It can be devastating, by affecting not only your name and reputation, but your ability to secure credit, and by compromising your medical or financial history, and in some cases your assets. When your identity is stolen, it usually takes a fair amount of time and money, and a considerable amount of frustration, to make sure the fraud is contained and you don’t suffer any more adverse consequences.

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Homeowners Insurance & Social Gatherings

With the warm summer weather here many homeowners enjoy throwing parties for holidays or special events. However, individual homeowners do not think about the insurance coverage they may need with throwing a get-together. Guests who are injured may need to file an injury claim if their vehicle is damaged, fall down or if a pet bites them. Research shows that roughly 75% of adult homeowners who plan social gatherings in their homes do not have a personal umbrella policy.

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