Homeowner’s – 7 Steps to Getting the Claim Paid

A lot of folks never plan to have a homeowner’s insurance claim… therefore they “plan to fail” should this occur. Be prepared, follow these simple steps to get there: 1) Keep a detailed inventory of your home. Complete with serial numbers where applicable & photos of each room to “jog” your memory in the case … Read more Homeowner’s – 7 Steps to Getting the Claim Paid

Auto Insurance: Common Questions When Changing Cars

When changing or adding a vehicle to your auto insurance policy the main question that we receive is: “What is my monthly bill going to be?” When adding or changing a vehicle on the policy the insurance company will send out new premium information with the breakdown of the bill usually within 7 to 10 … Read more Auto Insurance: Common Questions When Changing Cars

Good Drivers Can Pay Less

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Are you a good driver? Then, you may be surprised to know good drivers pay for bad drivers when it comes to auto insurance. If you’re the good driver you’re probably overpaying and if you’re a bad driver you’re probably not paying enough. To quote Bob Dylan, as he says “things they are a-changing.” Have … Read more Good Drivers Can Pay Less

Identity Theft – Protect Yourself

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Has something ever been stolen from you? How did that make you feel? Of course, it depends on what the object meant to you that was taken. My 5-year-old, Jack, just started a new summer camp. And like most new schools there is the occasional bully. The first day when I picked him up after … Read more Identity Theft – Protect Yourself

Health Insurance Help

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Need health individual/family insurance? Don’t understand the Obamacare rules? We can help. The most important thing to know about health insurance is that you can normally only buy-in during the fall period called Open Enrollment. That period runs from November 1 to January 31. To get coverage that begins January 1st you must enroll by … Read more Health Insurance Help

“Why do I need that much homeowner’s coverage?”

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Homeowner’s insurance is protection for you financially against expensive damages to your home that you would not be able to pay out of your pocket.  When you invest so much time and your hard-earned money into your home, you want to make sure that your investment is protected and protected to the degree that meets … Read more “Why do I need that much homeowner’s coverage?”

Why Is My Homeowners Insurance Going Up?

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Why does my home insurance premium go up every year?  Or, can I get a home insurance company that doesn’t raise their rates every year?   These are the two most common questions I get asked every day of every week for the past 18 years.  It’s no wonder consumers are confused and even angry … Read more Why Is My Homeowners Insurance Going Up?

Homeowner Insurance: “Smart” Homes = Discounts

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From an early age, I’ve been fascinated with technology.  From the Commodore 64 computer to the big calculator watches and everything in between…I could not wait to test the newest cool gadget.  I watched shows that predicted the newest trends to shape the future.  I remember when they predicted compact discs “CD” would displace the … Read more Homeowner Insurance: “Smart” Homes = Discounts

Teenage Drivers Insurance

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Insurance for teen drivers presents a unique challenge.  As parents, we want to know they are safe, but we also want to keep the cost of doing this as low as possible, for their car and the car insurance that protects our assets.   For parents of teenage drivers, it’s best to start planning before … Read more Teenage Drivers Insurance

Total Loss Car: Getting a Fair Payment

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If you’ve had a car accident and filed an auto insurance claim, you have likely already been in contact with an insurance claims adjuster. The adjuster’s job is to look at the circumstances of the accident and will offer you a damage settlement that can include vehicle damage and any injury you may have sustained. … Read more Total Loss Car: Getting a Fair Payment

Water in Your Home? Take Action ASAP!

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Any damage to your home is unsettling, if not downright stressful.  Knowing how to respond is the most important thing.  Having a plan in advance is best. When it comes to water in your home, time is your enemy.  The longer you wait, the higher the probability that more problems will arise, including mold.  With … Read more Water in Your Home? Take Action ASAP!

Train Employees to Protect Your Business & Auto Rates

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If you are a company that keeps company cars, driven by your employees, then you should have a commercial auto insurance policy. A commercial auto insurance policy protects your business in the case of an accident, damage, or theft of your company cars. However, you will still want to make sure you are training your … Read more Train Employees to Protect Your Business & Auto Rates

Car Accident Insurance Claim Settlement Repairs

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This article is talking about auto accidents where the vehicle will be repaired.  I have a separate article for total loss car accidents. Before I get into the claim part, I want to emphasize the importance of calling the police, collecting the other parties’ names and insurance information including their policy number.  Once that part … Read more Car Accident Insurance Claim Settlement Repairs

Reuters: Banks Cite Liability Risks, May Not Participate in Coronavirus Lending Plan

Seeking to help millions of small businesses that have dramatically curtailed operations or shut down altogether during the coronavirus pandemic, Congress included $349 billion for small firms in its $2 trillion stimulus package passed last week. Small businesses, which will rely on banks to get the funds, employ about half of U.S. private-sector employees, according … Read more Reuters: Banks Cite Liability Risks, May Not Participate in Coronavirus Lending Plan