Personal
Better Dwelling Coverage
With a standard homeowners insurance policy, your dwelling is insured for a specific amount, which is listed on your policy’s declaration page. Here’s a key difference between standard homeowners and High- Value homeowners. High Value policies often go above and beyond a standard policy by offering extended replacement cost coverage for your dwelling and other…
Read MoreBetter Contents Coverage
When it comes to your possessions, owners of high-value homes are always concerned that they get enough insurance coverage for homes filled with expensive personal items. Not only that, high-value home policies cover your dwelling for all risks, versus a standard home insurance policy covers your home for a limited amount of risks (“named perils”),…
Read MoreBetter Liability Coverage
Typically, a high-value homeowner owns increased assets. That means you have more to lose in the event of a lawsuit. The good news is that High-value home insurance policies provide liability coverage, just like a standard policy, and you can choose a coverage limit. But they may also provide for your legal defense costs outside…
Read MoreTeenagers & Safe Cars
Overview Motor vehicle crashes are the second leading cause of death among teens, according to the U.S. Centers for Disease Control. Immaturity and lack of driving experience are the two main factors leading to the high crash rate among young people ages 15-19. Teens’ lack of experience affects their recognition of and response to hazardous situations and…
Read MoreWhat Is A Beneficiary?
A beneficiary is the person or entity you name in a life insurance policy to receive the death benefit. You can name: One person Two or more people The trustee of a trust you’ve set up A charity Your estate If you don’t name a beneficiary, the death benefit will be paid to your estate.…
Read MoreHow Should I Organize & Store My Life Insurance Records?
The last thing you want to happen after you die is for your beneficiaries to be unable to locate and submit a claim on your life insurance. To prevent this, you should have copies of your life insurance records in at least two places. This is to make it less likely that you’ll lose them…
Read MoreIN: Protect Yourself Against Identity Theft
Dear Valued Customer, In this issue of “——————–“ we’re focused upon the very real dangers surrounding identify theft. Identity theft remains the number one concern among consumers contacting the Federal Trade Commission. In fact, the FTC estimates that as many as 9 million Americans have their identities stolen each year. And, once they have your…
Read MoreCyberattacks can occur in many ways
Cyberattacks can occur in many ways, including: Accessing your personal computers, mobile phones, gaming systems and other internet and Bluetooth connected devices. Damaging your financial security, including identity theft. Blocking your access or deleting your personal information and accounts. Targeting children and adults. Complicating your employment, business services, transportation and power grid. Protect Yourself Against…
Read MoreIN: How To Create A Home Inventory
Dear Valued Customer, In the event you lose your possessions it’s unlikely that you would be able to recall each item you’ve accumulated over the years. So, we have dedicated this issue of “—————-” to taking a home inventory. Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses…
Read MoreHow To Create A Home Inventory
In the event of a fire or other disaster, would you be able to remember all your possessions? Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses for your income tax return and help you purchase the correct amount of insurance. Here’s how to create one. Start your…
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