Archive: 2016

My sister’s kitchen started on fire. Here is what I learned from the experience.

The last thing I learned- well, not that I learned it- rather that I got a jolting reminder, was that family is so very important. For a couple of minutes while I was driving to my sister’s house- I didn’t know what to expect. I didn’t know if her house was going to be burned to the ground. I didn’t know if my 15 year old nephew was still inside. I didn’t know how it started or what was going on. When I pulled up and I saw all of the lights and sirens- but saw the house still standing and my sister and her boyfriend outside with the firefighters I had this huge sigh of relief. I also saw my dad pull up right behind me. And my other sister and her husband right behind him. And I felt proud. Because that is what family is all about- taking care of each other and being there for each other.

They charged how much to my credit card??

“When the cabbie started walking us back to the taxi, we all suddenly realized the taxi was gone. With our luggage. With my purse. Which had our passports.”

Help! My dog attacked Santa!

Most of us dog owners are thinking “my dog would never bite anyone,” yet 4.5 million people are bitten by dogs every year. Many of them are delivery people.

The good news is that if you have homeowners, renters, or condo insurance- you probably have some liability coverage for that.

Otherwise- you may be looking at an expensive payout!

Keep those license plates!!!

Our very first claim- our office had been open for 19 days. Our customer walks out of a movie theater on Father’s Day with her husband and children and finds her car, along with two other cars, damaged.  While they had been legally parked on the side of the road, someone had driven by and […]

When you put a ring on it- you better protect it!

It would be heartbreaking, after a home robbery to find out that all your jewelry was stolen- including your wedding ring/engagement ring and an expensive heirloom necklace your mother gave you. Adding insult to injury to find out that your insurance will only pay out $1,000 per item, despite the fact that your wedding/engagement set is valued at $7,000 and your necklace is valued at over $10,000! Getting engaged or married is a great time to make sure that your insurance is up to par with the special pieces you have accumulated so far- but it’s also a great idea to do an annual review with your insurance agent to update this coverage.

Take some extra precautions this holiday season

Statistically speaking, Christmas and New Years fires do considerably more damage than fires that occur during other times of the year. In fact, property loss during a holiday fire is usually 35% greater than average and the number of fatalities per thousand fires is nearly 70% higher.

From zero to a million in the flash of an eye: why Umbrella policies are important.

Your teenage daughter breaks up with her boyfriend and decides to “get back at him” for breaking her heart. Her version of “getting back at” includes posting some very inappropriate and false comments about the ex-boyfriend. She also posts several pictures of the ex-boyfriend doing things that tarnish his reputation. Because of this, he loses his part time job and is suspended from the basketball team. Ex-boyfriend’s parents sue for defamation and libel and are awarded $500,000. An umbrella policy would have paid anything above what the homeowners liability was, taking your out of pocket amount from potentially $200,000 – $400,000 to nothing.

So you’re having your child’s birthday party at home…

All the decorations are perfect. You have little medals and completion certificates. Your cake is perfect and everyone comes to the party wearing cute bandanas. You’re going to win mom-of-the-year for sure!
Until one of the kids slips when they are running down the balance beam and breaks her wrist.

15 Reasons that it is Okay to Buy Life Insurance for your Child

Buying life insurance for your child is a smart decision for your child’s future. First and foremost- think of it as an investment for your child. You are giving them a gift.. for so many reasons. Second, you are protecting yourself if something (heaven forbid) does go wrong. Accidents happen, people do get sick- and as much as we would like to think it could never happen in our own family- it really could. Juvenile life insurance is the least expensive life insurance to purchase; so if you are able to- it’s a great investment to add to your family budget.

Did your insurance company screw you over this month?

I hear it over and over: “My insurance company is screwing me! They raised my rates again and I haven’t even had a ticket.  Nothing has changed- yet I got another rate increase.” It doesn’t matter what insurance carrier you have, how fantastic you drive, what type or program you are enrolled in, where you […]

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