New Year, new outlook. Many of us have been busy writing down goals for 2018 and looking forward to starting off the New Year with a fresh perspective. I’ve always loved hearing the variety of resolutions from my family and friends and the different ideas they bring to the New Year. Of course, you hear the most common resolutions of “watch what I eat,” “go to the gym more,” “save money,” etc. But this year, I’ve heard a new resolution; “be more prepared.” This got me thinking: am I prepared for the unexpected and how can I help others be more prepared? In the insurance world specifically, there are many unexpected situations that can take place, but there are also many ways to be more prepared
Did you know that many homeowners’ policies have special limits of coverage for certain types of property? Do you own any valuable jewelry? If so, did you know that many insurance policies only cover theft of jewelry up to $1,500?
When I was in 2nd grade my mother helped me write a poem that ended up being published in our school newsletter.
I saw a little snowflake all dressed in white,
it landed on my windowsill just the other night.
The night I saw the snowflake I went to tell my mother,
when we got back, guess what, there came another.
I often think about this as we enter the winter season. It’s funny how your childhood memories carry so much meaning in your adult life.
Most of us have endured a snowstorm in our lifetime. It can be thrilling, scary, or even inconvenient depending upon where you live, what your past experiences have been, and what impact it has on you at that moment. When I wrote the poem above, I was thrilled by a snowstorm. It meant a day at home to watch TV, go sleighing, and drink hot cocoa – all better options than going to school. As we get older, our experiences influence our responses to many things including snow storms. The thrills of youth become the anxiety of old. Keeping yourself, your family, and your home safe are most important. You should always pay attention to driving conditions, whether you have a 4-wheel drive vehicle, or one that you may be most vulnerable in.
Anyone who has ever rented a residence (or is currently considering renting a residence) has most likely heard about the importance of having renters insurance in place. We all know that our “stuff” is important and needs protecting. We also know that these types of policies provide liability coverage, but we may or may not fully understand what that means.
But what if you’re a landlord? Should your tenants have renters insurance?
Absolutely! Your house, condo, or apartment is just as valuable as your tenant’s “stuff,” correct? Here’s why it shouldn’t only be suggested but required by the terms of your lease.
Giving gifts at Christmas has been a long-standing tradition for many families all over the world. Even though my holidays are incredibly busy, taking time to find a thoughtful gift to show my friends and family they are loved is important to me.
Online shopping makes it easy to find a great selection of gifts and can be a big time-saver. Unfortunately, thieves are waiting to take advantage of you. Here are some tips to protect yourself while shopping online.
As 2017 draws to a close, let’s reflect on some insurance-related items in the industry. While storms and hurricanes certainly dominated the headlines for a while, one issue that has been consistent throughout the year is an increase in auto insurance rates. If you’ve seen a rate increase this year and have wondered why (especially if you have a clean driving record), this blog post is for you.
Why are rates going up? There are three primary reasons.
Christmas is right around the corner which means stores are packed with people trying to find the perfect gift. It often seems like Thanksgiving is quickly surpassed in the excitement of Black Friday, the official kickoff of the holiday shopping season. Stores seem to keep pushing their hours further into Thanksgiving Day, trying to stay competitive. Last year, I remembered seeing advertisements for stores announcing they would be opening at 6 p.m. on Thanksgiving. This year, I even saw some stores open at 6 a.m. on Thanksgiving! It makes me so sad that many people are choosing to opt out of the family Thanksgiving dinner to score some deals on electronics and other items for Christmas presents. This holiday season, I urge you to spend time with your family.
The temperatures have gotten cooler, and the trees are vibrant with color! It is a beautiful time of year.
Fall also means animal-related car accidents are likely to rise. Between October and December, the annual deer breeding season (known as the rut) occurs. Deer can be very active and unpredictable during this time, and many find their way to our roadways.
Five recommended safety tips!
As the temperatures lower and we start to enter into the fall season, one of my favorite holidays is approaching: Halloween. I remember as a kid the excitement that would build each week as it approached. Being able to dress-up and pretend to be something you idealize is an American tradition unlike any other. For one night a year, you are encouraged to get outside of your home, knock on your neighbor’s door, and ask for a Trick-or-Treat.
Halloween can be fun for the young and old alike, but with this unique holiday also comes unique risks. As we know, Halloween brings out a lot of children with hopes of scoring as much candy as possible in one fateful night. It is essential to be aware, both as a pedestrian and as a driver.
If you are planning to trick-or-treat, there are three things that can be done to increase safety and give everyone a better experience.
The sharing economy is a term that describes the peer-to-peer economic model in which individuals can rent or borrow assets (goods and services) owned by someone else. Other names include the gig economy and access economy. While the practice is not new, due to the rise of Internet commerce, it has rapidly expanded in the last decade and is estimated to grow to a $335 billion business by 2025. Such rapid growth is understandable considering anyone with reliable Internet access can partake. Companies such as Uber, Lyft, and Airbnb are leading the way with global operations and millions of users worldwide. While such easiness makes these platforms accessible, they also present pitfalls and dangers that are not present in other forms of commerce. Whether you are thinking about joining the sharing economy or are already partaking, realize that there are dangers.
One insurance coverage that is extremely important to property owners – and is sometimes overlooked – is Equipment Breakdown Coverage. Equipment Breakdown insurance has been available for commercial property owners for quite a while, but it is now commonly available as an endorsement to homeowner and rental dwelling policies.
This valuable line of protection typically covers three types of losses: