Personal
IN: Does My Credit Rating Affect My Insurance?
Dear Valued Customer, In this issue of “————” we focus on how your credit rating affects your insurance rate. Auto and homeowners insurance companies are among the businesses that are using credit scores to help decide if you’d be a good risk for insurance. A higher credit score suggests you are likely less of a…
Read MoreCredit Reports & Scores
Credit Reports Credit reports list your bill payment history, loans, current debt, and other financial information. They show where you work and live and whether you’ve been sued, arrested, or filed for bankruptcy. Credit reports help lenders decide if they’ll give you credit or approve a loan. The reports also help determine what interest rate they will…
Read MoreTaking Home Inventory
You never know when a disaster may strike—but you can be prepared with a home inventory. Having an up-to-date home inventory will help you: Purchase enough insurance to replace the things you own. Get your insurance claims settled faster. Substantiate losses for your income tax return. GETTING STARTED There are many ways to create a…
Read MoreSpecial Coverage for Jewelry and other Valuables
To adequately insure high value items, consider a floater A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism. However, there are special limits of liability…
Read MoreFive Tips To Help Protect Your Jewelry
The first thing you should think about after buying a piece of jewelry is to make sure it’s insured against loss, damage, or theft. Here are five tips to help you protect your investment: Check with your insurance agency to find out whether expensive jewelry is covered under your existing policy — they may only…
Read MoreIN: Are Your Valuables Adequately Protected?
Dear Valued Customer, In this issue of “—————–” we focus on the special coverage you may need to ensure your valuables are adequately protected. Read the five tips to help you protect your jewelry. Learn about special coverage for valuables, and how to take a home inventory. Taking a few simple precautions can mean the…
Read MoreIN: Prepare For Winter Storms & Extreme Cold
Dear Valued Customer, In this issue of “——————-” we focus on preparing for winter storms and extreme cold. While the danger from winter weather varies across the country, nearly all Americans, regardless of where they live, are likely to face some type of severe winter weather at some point in their lives. And, whether it’s…
Read MoreWinter Storm Safety
Learn how to stay safe during a blizzard and how to prevent or thaw frozen pipes Each year, hundreds of Americans are injured or killed by exposure to cold, vehicle accidents on wintry roads, and fires caused by the improper use of heaters. Learn what to do to keep your loved ones safe during blizzards…
Read MorePreventing & Thawing Frozen Pipes
Learn how to prevent water pipes from freezing, and how to thaw them if they do freeze. Being prepared and informed may help you to avoid the messy and often expensive issue of frozen pipes. The American Red Cross provides information and suggestions around how to prevent water pipes in the home from freezing, and…
Read MoreSnowstorms & Extreme Cold
Snowstorms & Extreme Cold Winter storms create a higher risk of car accidents, hypothermia, frostbite, carbon monoxide poisoning, and heart attacks from overexertion. Winter storms including blizzards can bring extreme cold, freezing rain, snow, ice and high winds. A winter storm can: Last a few hours or several days. Cut off heat, power and communication…
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