Archive for 2011

Saving Money on Insurance: How Can It Be Done?

Posted by: Charles Hagerty

In the throes of an economic recession, millions of consumers today are cutting back on discretionary spending—and are even tightening up on the necessities. Now is an excellent time to review your insurance coverages with your independent insurance agent to find ways to cut costs while still protecting your family or business.

The premiums paid for insurance are a tremendous value. For instance, for the cost of several hundred dollars annually, a homeowners insurance policy provides a family with the means ...

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Prepare Your Home for Winter…NOW

Posted by: Charles Hagerty

Old Man Winter will soon be unleashing his full fury. Is your home ready for the onslaught of snow, ice and cold winds? If not, the time to prepare is now, before the first storm strikes and your home suffers significant damage from the freezing temps and winter conditions.

Typical homeowners insurance policies protect against winter-related disasters such as burst pipes, ice dams, wind and damage caused by the weight of ice or snow. But you can save yourself a huge ...

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The Special Risks of Hurricanes and Floods

Posted by: Charles Hagerty

The end of summer seems to be peak time for natural disasters. Often, Labor Day weekend newscasts include stories about a hurricane, flood, tornado or wildfire happening somewhere in the United States.

Those who are dealing with the crises created by natural disaster need more than news coverage—they need insurance coverage. There are significant risks presented by natural disasters, which not only threaten homes and businesses but also endanger the health and lives of people in their paths.

Nowhere is the value ...

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When You Can’t Come Home: What Does “Loss of Use” Coverage Actually Cover?

Posted by: Charles Hagerty

Your homeowner’s insurance policy will pay to repair damage to your home caused by a fire, windstorm or other covered cause of loss. But when you and your family incur expenses for moving out while repairs are made, who picks up the tab?

An often-overlooked but essential function of your homeowner’s policy is “additional living expenses” (also called “loss of use” or “Part D”) coverage. Additional living expenses coverage will pay the necessary increase in living expenses required to maintain your ...

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“When a tree falls, and there’s nothing there to stop it, does it cost you money?”

Posted by: Charles Hagerty

Trees can be the reason your property is so valuable. They can keep your utility bills low and give the kids something to do outside. For all their positives, trees can also be the reason why you need to call your Trusted Choice® insurance agent.

Whether it’s typical seasonal conditions, a freak windstorm, or any number of other reasons, trees and branches fall. Sometimes, they fall onto things, causing significant damage to property. Factor in the cost of paying a contractor ...

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What an Umbrella Policy Is, and Why You Might Need It

Posted by: Charles Hagerty

Most Americans view auto insurance as necessary to protect against the costs of a car accident. Likewise, it’s common knowledge that homeowners insurance helps families rebuild their lives and homes. An “umbrella” policy is not as well known, but anyone who owns a home or any assets should consider buying it.

Umbrella liability insurance covers you in many situations if you are held responsible for bodily injury, property damage, or personal injury. The product got its name because it adds a ...

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Significant Other, Significant Issue

Posted by: Charles Hagerty

Oh how the times have changed. In 1950, eight in 10 households were occupied by married couples. According to the 2000 U.S. Census, that number declined to 51.7%; the balance being singles and couples living together who are not married. The former includes individuals who either live alone or with roommates; the latter encompasses both opposite and same-sex couples who consider themselves partners. It is the latter segment which now makes up approximately 10% of American households.

A benefit to marriage ...

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Mobile Devices: Does Insurance Tag Along?

Posted by: Charles Hagerty

Mobile information devices like PDAs and MP3 players occupy the bags and pockets of tens of millions of Americans. These devices can be pricey, often costing hundreds of dollars. The cost to obtain the information programmed on these gizmos can be exponentially more. If your portable device is damaged or stolen, will these costs be covered by your insurance?

Personal Insurance

Consider the iPod. Their owners span every demographic. For some, the iPod is as important to getting through the day as ...

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Power Struggle: The Cost of Electrical Surge

Posted by: Charles Hagerty

Your family is forced to stay home due to the big storm hovering over the house. The comforting sounds and bright screen of your 52” LCD  television eclipses the noise from outside. Then it happens: Just as you’re about to discover who gets voted off the island, your family is startled by sudden darkness.

After the outage forces your family to live in darkness for a few hours, the local power authority flips the switch and all is well…for a moment. ...

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What Can I do to Reduce My Workers’ Compensation Premiums?

Posted by: Charles Hagerty

  1. Manage Your Risks
  2. Take Advantage of Saving Opportunities
  3. Be Sure Your Premium is Correctly Figured
  4. Avoid the Assigned Risk Fund

Manage Your Risks – Most small companies cannot afford to hire a risk manager. Nevertheless, someone in the company should have a continuing responsibility for loss control and the management of workers’ compensation claims. This involves a variety of programs to keep workers safe, the medical management of claims and early return to work ...

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