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2015 Archive

December 31st, 2015

As we wrap up 2015, we start to think about what we want to achieve for ourselves or our businesses. Determining our sales goal objectives, training programs for our employees, new products and markets, and finally creating a positive client experience.

For ourselves, we always have...

September 11th, 2015

We frequently see the “Smokey the Bear” commercials extorting that “only YOU can prevent forest fires”! While there is little defense against “acts of God” (wind; hail; floods, etc.), there are many things that we can do as home owners to prevent major and...

August 31st, 2015

One of the questions that we are asked on a regular basis is what happens if you cancel your current auto and/or home insurance policies?

There are several “pitfalls” that you need to be aware of in order to avoid a penalty and other confusion. If you are going to cancel a...

August 21st, 2015

There is an “age old” axiom that you “get what you pay for” when it comes to purchases of all kinds. There is no doubt that many of us are willing to pay a little extra for what we perceive as a “value” to us personally. We do it all of the time in many areas...

August 14th, 2015

September starts a new school year; and if you have a college student going off to school, here are a few things to consider.

If your college student is living in the dorm, homeowners insurance will cover them. But, if your daughter or son decides to live off campus in an apartment, then...

August 7th, 2015

Much like the old question as to “whether a tree makes a sound when it falls in the forest and no one is around”, there are some confusing aspects of damage caused by fallen trees when it comes to insurance coverage.

So, if my tree in my yard is blown down by...

July 31st, 2015

When the whole concept of insurance was first conceived, the basic idea was to “insure those risks in your life that render you the greatest danger”. The idea was to insure oneself against CATASTROPHIC losses that can’t be observed in any other way.

Insurance was...

July 24th, 2015

Although none of us like to consider the eventuality of death, it is without doubt, a certainty for all of us. Unfortunately, buying sufficient life insurance is something most of us procrastinate about and postpone to a “later date”.

Time and time again, we see situations...

July 17th, 2015

More and more people are working from their homes or have started “home-based” businesses. It is result of the “age of technology” and the ability to communicate with clients from anywhere.

However, your homeowner’s policy is designed to cover personal...

June 30th, 2015

Even under the broadest policy coverage, there are a number of things that are not considered covered perils. Some of these you can buy the coverage by endorsement, while some can’t be covered under any circumstances.

The two most prominent among these coverages are...