Entries by Admin

Uninsured and Underinsured Motorists

Unfortunately, many people wrongly assume that auto and umbrella insurance policies will provide reimbursement for all aspects of an accident on the road. Instead, both of these policies cover your own liability and provide compensation to others in the event that you are responsible for an accident. However, if another driver causes an accident and […]

Latest Safety Features for New Car Shoppers

Vehicle technology seems to advance each year, as new features improve driver and passenger safety. The following are just a few driver-assist features to be aware of the next time you’re in the market for a new vehicle: Adaptive cruise control: This type of cruise control automatically speeds or slows down your car based on […]

The Independent Agent Advantage

What do I give up by not using a licensed independent agent to purchase insurance? The disadvantage of not using a licensed agent to purchase insurance is that the policyholder does not receive as much, or often any, personal service. A licensed agent with whom there is direct contact can be vital when purchasing a […]

Lightning and Summer Storms

Lightning storms are incredibly dangerous and more deadly than tornadoes, floods and hurricanes. When a storm is on the verge of striking your area, you need to know the steps to take in order to protect your family and home. Use these tips to stay safe during a lightning storm: Seek shelter in an enclosed […]

Quick Tips for Safe RV Usage

Recreational vehicles (RVs) can be a fun way to see the country and spend time with your family. However, because they’re bigger and heavier than an average car, there are additional hazards that come with owning and operating an RV. Many RV accidents can be avoided by following these helpful tips: Know the weight capacity […]

Is Gap Coverage Right for You?

Guaranteed asset protection, or gap insurance is an optional automobile coverage that helps you transfer the financial risk if you are involved in an auto accident and you owe more for your vehicle than the amount that it’s worth.

Be Sure to Super Protect Your Super IDs

Here’s a little quiz. Where is your Social Security card right now? What about your passport? Your birth certificate? Choose one: In the safe deposit box at my bank or in a locked file cabinet or fire-rated document chest at home I’m not sure, but they must be around here somewhere In my purse, wallet […]

Smart Parents Monitor Smartphone & Tablet Gifts

Did you get your kids a smartphone or tablet this holiday season? With schools using technology in classes and kids being exposed to these devices at an early age, the question is often a matter of when, not if. Parents may have questions and concerns about how to keep kids safe online. Here are some […]

Early Preparation for a Winter Blizzard

It goes without saying that one area’s definition of a blizzard is not necessarily another area’s definition. Yet all things being equal – when it’s best to stay home then it’s best to be prepared. Long-range weather predictions for 2014-2015 suggest another cold winter is on its way across much of the U.S. Severe winter […]

Holiday Shopping: 12 Precautions to Protect Youself & Your Property

With the holiday season fast approaching, many of us are out shopping and enjoying the festivities. In this joyous atmosphere, we also need to be aware of our surroundings and develop a safe routine because unscrupulous individuals may be out to take advantage of our festive mood. Some things to keep in mind when you […]

Choose Your Card Wisely to Protect Your Money

These days it seems most people find it convenient to use credit or debit cards rather than carry cash or write checks for each purchase. Recent headlines concerning account information breaches should be of concern to all card users. Important differences between credit cards and debit cards may affect your decision about which to use […]

Holiday Gift Wrapping Hack

For all those smaller to average sized gifts, here’s a very simple and amazing hack which shows what might be the best way to wrap a gift ever! In the video two gifts are wrapped in under 30 seconds using just 2 pieces of tape and the technique starts with angling the box to the […]

Keeping Your Teen Driver Safe on the Road

National Teen Driver Safety Week is October 19-25. It’s an exciting time in teens’ lives when they first begin driving, but it’s also an extraordinarily dangerous time as distractions seem to be everywhere. According to the National Highway Traffic Safety Administration (NHTSA), motor vehicle crashes are the leading cause of death for kids and young […]

Keep Your Trick or Treaters Safe This Halloween

It’s dark, and the sidewalks are full of young kids walking up to every house on the block and declaring, “trick or treat!” — all while wearing masks. Sounds like a recipe for disaster, but we all know that Halloween is great fun for children and adults alike. Before all that fun, however, there are […]

Heating Systems Need Preseason Maintenance & Inspection

With football season already upon us, can winter heating season be far behind? Whether you are maintaining a home heating system or equipment at your business, preventive maintenance is important, especially for hot water or steam heating boilers. Heating boilers can cause extensive damage due to explosion and can be more costly to replace than […]

Burn, Rake, or Mow? A Seasonal Question?

The warm days and cool nights of autumn will soon arrive along with those beautiful leaves that we all enjoy so much. As majestic as those trees look while the leaves are still attached, what do we do when leaves begin falling to the ground, covering the landscape? Many of us have happy childhood memories […]

Kids, The School Bus, And You

For over twenty-three million students nationwide, the school day begins and ends with a trip on a school bus. The greatest risk is not riding the bus, but approaching or leaving the bus. Before children go back to school or start school for the first time, it is essential that adults and children know traffic […]

Preparing Your Student and Car Coverage For College

Having a car at college can give a student the freedom to come and go from work or to explore surrounding areas without depending on others. But having a car also means greater responsibility. Here are some common driving situations that you and your college student should discuss before your student and their car heads […]

An Simple Equation for Life Insurance

Test the Rule of 3.6% How do you know if you own enough life insurance? Life Insurance can never replace a husband, wife or parent, but for most it’s intended to restore the income a family depends on in a loved one’s absence. The Rule of 3.6% might be helpful in answering how much insurance […]

Protect Your College Student’s Possessions

Do you have a young adult attending college? College can be a fun time for the student but a stressful one for the parent. Reduce some of the stress by planning ahead to make sure your college student has appropriate insurance protection while away at school. Insurance companies cover full-time students under age 25 in […]

School Bus Safety For Children And Drivers

With schools now full of activity for the fall, school buses are once again traveling the roads. While statistically school buses are the safest method to transport children to school, it’s a good time for parents to remind children to follow safety rules while on the bus and at the bus stop. At the bus […]

Driving Kids to School & Sporting Events?

As early as they start school, children become involved in extra-curricular activities. Adults charged and volunteering with getting groups of kids from home or school to the ball field and back home again are usually more concerned with maintaining their schedules and sanity than auto insurance. However, moving kids around could have a serious affect […]

Helpful Apps for Disaster Preparedness

Regardless of your location, the summer months are usually the prime part of the year for natural disasters. One of the best and most affordable things we can do to see ourselves through a disaster is to be prepared and one great way is through the use of apps on our phones and devices. Both […]

Summer Party Safety

Safety Makes Your Summer Party Memorable—In the Right Way Summer is truly party time in America between friends and family. But homeowners should be aware of the risks associated with these get-togethers. Before reviewing safety tips, let’s look at three common risks for which a homeowner might need insurance coverage: Liquor liability: Most homeowners know […]

Make Sure Your Stuff Is Protected When You Move

Moving generally indicates an exciting time of transition and life change- whether it’s moving from home for the very first time to an apartment or downsizing because the kids have all moved out. Whether you’re handling the move yourself with the help of friends and family or whether you hire professional movers, moving can be […]

The Future: Insurance Implications of Self-Driving Cars

Google has unveiled a seemingly truly “driverless” car that lacks a steering wheel, brakes or anything else that allows a driver to control its movements. This actually strikes me as a much bigger deal for the insurance industry than the optionally self-driving cars that have received so much attention and seem likely to come to […]

When is A Vehicle Considered a Total Insurance Loss?

When and whether a vehicle involved in a collision is considered to be “totaled” for first-party insurance purposes is an issue of great angst and confusion for most consumers. Over the years we’ve certainly experienced older, functioning automobiles being “totaled” simply because the frame is bent or other seemingly minor and hidden damage occurs. Even […]

Teens, Social Media and a Parent’s Liability

For many the high school experience comes with social pressures and obligations to fit in and belong, and sadly this can lead to exclusion and isolation of some students. At some point everyone probably said something in their teen years in the heat of the moment that they now wish could be taken back, but […]

Don’t Be Fooled: Auto Insurance State Minimums Probably Aren’t Enough

There are a wide variety of silly and somewhat funny things we can do from time to time, like telling people that dihydrogen monoxide is coming out of the sink (dihydrogen monoxide is the chemical name for water), but one thing you should avoid falling for as a consumer is being told that carrying only […]

Was Your Home Loan Sold? Quick, Call Your Insurance Agent!

Do you have a mortgage? Yes? Then at some point in your home-owning life, you have received a letter telling you that your mortgage has been sold to another lender. There’s certainly nothing unusual about it when this happens, as home loans are sold every day in the United States. It is a very common […]