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Information and general advice for individuals.

Car Accident! Now what?

Imagine this. You are driving down a country road on a warm summer night. It is dark out and you are on your way home from a great night of hanging out with your friends. You are about to take a turn when SMACK you are hit by an oncoming car. You and the other party both come to a stop and thankfully you are both okay minus a few scratches, bumps, and bruises. However, the cars do not look good. You have officially been in a car accident. What now? Check [...]

2019-01-22T08:54:40+00:00January 12th, 2019|
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Frozen Pipes and How To Protect Yourself

Colder temperatures can freeze pipes, creating disastrous property losses and wreaking havoc on your life. Frozen pipes can lead to expensive damages and depending on the extent of the damage it could force you to temporarily close your business resulting in loss of income. Systems that are at risk of freezing in colder weather include fire protection equipment and piping, heating, ventilation, and air conditioning equipment, compressors and piping, water and sprinkler mains, valves, and sanitary systems. It is not just the colder states that are affected, moderate climate states can be [...]

2019-01-22T08:55:28+00:00January 5th, 2019|
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The Ultimate Cheat Sheet on Winter Home Safety

Winter is upon us once again and that means holiday time with our family, hot cocoa and a warm cozy fire, and playing in the snow. While all of that may seem great, it is important to remember that winter also brings with it many hazards around your home. Whether it is a frozen water pipe bursting and flooding your home or basement or an ice dam in your gutter causing water damage to your walls, it is important to know how to protect your home against winter’s dangers. Outside Clean out [...]

2019-01-22T08:55:56+00:00December 22nd, 2018|
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Why You Should Spend More Time Thinking About P&C Insurance

With the year winding down and everyone thinking about what the new year will bring, what a better time to reconsider your insurance coverages. It’s a great time to make sure that you and your assets are covered in the event that the unexpected happens. One type of insurance that often gets overlooked is Property and Casualty Insurance. Property and casualty insurance in its simplest form is designed to protect you and the stuff you own. Property insurance is straightforward, in the event of an unexpected loss it provides coverage for things [...]

2019-01-22T08:57:06+00:00December 15th, 2018|
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3 Unlikely People that Need a Personal Umbrella Policy

One of the most common myths of personal umbrella insurance is that it is only for the wealthy. This couldn’t be further from the truth. Of course an individual with more wealth could have more risk which requires a more comprehensive insurance, however, that doesn’t mean that someone with less wealth doesn’t have risk as well. Umbrella insurance policies help to protect you from liability issues that go beyond the liability limits of standard insurance policies. This type of insurance can help to provide coverage for false arrest, libel, slander, invasion of [...]

2018-12-10T14:51:37+00:00November 17th, 2018|
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15 Answers to Health Insurance

What are ancillary benefits? Ancillary benefits, also called supplemental benefits, are benefits that are not part of your core health insurance. Benefits like dental, vision, disability, life, accident, critical illness and others. These benefits are dental, vision, disability, life, accident, critical illness and others. These benefits can be contributory or voluntary. Who pays for ancillary benefits? There are two versions of ancillary benefits – voluntary and contributory. Voluntary benefits are offered by an employer and paid for entirely by the employee. With contributory benefits, the costs are shared between employee and employer. [...]

2018-12-10T14:51:21+00:00November 6th, 2018|
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Medicare 101 With Rachelle

Original Medicare, Part A and Part B, is a government health insurance program for those who qualify by age or disability. Part A is hospital insurance and Part B is medical insurance. There are some out of pocket costs associated with Original Medicare, such as deductibles, coinsurance, and copayments. To help with those costs, there are two commonly used options used to supplement or replace Original Medicare and both are offered by private insurance companies. These plans have significant differences with regards to costs, benefits, and how they work. It is very [...]

2018-12-10T14:52:58+00:00October 22nd, 2018|
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Long Term Care Insurance

What is long-term care insurance? Long-term care insurance is different than traditional health insurance. This type of insurance is designed to help pay for personal care services in a variety of settings, including your home, day service centers, hospice care, assisted living facilities, nursing homes, and others. Coverage costs and benefits vary based on your needs. Why do you need long-term care insurance? Currently, the average long-term care claim is nearly three years – costs can quickly run into the hundreds of thousands of dollars. The costs for home health care or [...]

2018-12-10T14:52:51+00:00October 18th, 2018|
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Flood Insurance 101

Floods can come in quickly and leave damage and destruction when they leave. Many homeowners know that floods are a concern to have, especially if you live in a flood zone. However, many homeowners make the mistake of assuming that their homeowners insurance covers flood damage. Flood insurance is a separate product from homeowners insurance. Only a flood insurance policy will financially protect you from flood damage costs. Flood insurance is designed to provide an alternative to disaster assistance to meet the costs or repairing flood damage to buildings and their contents. [...]

2018-12-10T14:53:20+00:00October 11th, 2018|
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Renters Insurance 101

Do you rent your home or apartment? Have you ever thought about what would happen if your home or apartment were to be broken into, damaged, or if someone were to injure themselves there? This is where renters insurance can be beneficial. Renters insurance is coverage for your personal property against damage or loss, not only where you rent, but also while you travel. It insures you if someone’s injured while they’re on your property and insures you elsewhere while you engage in daily activities. Renters insurance can cover medical payments for [...]

2018-12-10T14:53:45+00:00October 4th, 2018|
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