Marriage changes everything, including insurance needs. Newly married couples should consider a comprehensive review of their current individual insurance coverage to determine if any changes are in order, as well as consider new insurance coverage appropriate to their new life stage. AUTO The good news is that married drivers may be eligible for lower rates … Read more
Did you know that… Sixty-one percent of American workers have no private short-term disability insurance.1,2 Sixty-seven percent of working people in the U.S. lack private long-term disability coverage.1,2 Forty-eight percent of Americans have no life insurance.3,4 Approximately 14 percent of American drivers are uninsured.5 If you ask a homeowner, replacing a roof is probably the … Read more
Insurance is meant to protect you against financial loss. But is it really meant to protect you from any and all financial loss? When it comes to filing a loss claim on your home insurance, there may be times when not filing may be the wisest course of action.1 According to one study, the national … Read more
According to the AARP, an estimated 54% of baby boomers were expected to travel internationally during 2021.1 Overseas travel may be one of the more popular aspirations in retirement, but it does beg an important question: Will your health insurance coverage travel with you? MEDICARE COVERAGE OUTSIDE THE U.S. IS LIMITED In most cases, Medicare … Read more
Driving may be a rite of passage for teenagers, but for parents, having a teenage driver can be stressful and expensive. Your child will need auto insurance coverage as soon as they receive their driver’s license. Here are some important considerations. DETERMINE WHETHER TO ADD YOUR CHILD TO YOUR POLICY OR PURCHASE A SEPARATE POLICY … Read more
As a consumer, when you purchase an expensive item, like a car or refrigerator, you expect to receive a warranty that the manufacturer will repair or replace that product if it breaks down. A warranty makes sense for big-ticket purchases, but what about for a home? AN OVERVIEW OF HOME WARRANTIES A home warranty typically … Read more
The ownership structure of a condominium unit is different from that of a single family house. Here’s what you need to know when purchasing insurance for your condo.1 1. UNDERSTAND THE MASTER POLICY Since the ownership of all common areas is shared with other condo owners, the association of owners typically purchases insurance coverage (a … Read more
In 2019, the average flood claim payout from the National Flood Insurance Program was $52,000.1 The financial loss that comes with flooding can be devastating. Yet, many Americans are not protected against flood damages, primarily because flooding is not covered under a standard homeowners policy.2 LOW VS. HIGH RISK Even if you are in a … Read more
Renters sometimes overlook the need for insurance based on the belief that they may not have a significant amount of personal possessions, or because the property is already insured by the owner. While it is true that a rental property is insured by the owner, the destruction or loss of your personal belongings is not. … Read more
According to one study done by the US Small Business Administration, 88% of small business owners feel their business is vulnerable to a cyber attack. These concerns may be well-founded: according to another study, 61% of all small businesses have reported at least one cyber attack in the past year.1,2 Business owners are required to … Read more
Purchasing homeowner’s insurance is not only critical for protecting your home, your personal property and against any potential liability, but if you have a mortgage, your lender will require it. WHAT’S COVERED A homeowner’s insurance policy is a package of coverages, including: Dwelling: Covers damages to your house and any attached structures, including fixtures such … Read more
The questions around auto insurance center not so much on whether to have it—it’s mandated by state law, required by your lender, and serves to protect your assets—but what kind of coverage you should purchase. TYPES OF COVERAGE There are several forms of coverage that a car owner may purchase, some of which are required, … Read more
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