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Archive for 2012

Manage the “Four C’s” of Winter Fire Risks: Chimneys, Candles, Christmas Trees and Children

Posted by: vpenson

Thanksgiving, Christmas, and New Year’s Eve—these
holidays mean celebrations, many of them in decorated homes filled with
merry-making family members and friends.

Insurance professionals know that the winter
holidays bring greater-than-usual risks of fire in homes.  The National Fire Protection Association
reports that, over the course of a calendar year, the 10 worst days for
fires in homes fall between December 24 and January 6.

Fortunately, these risks can be reduced with
safe practices that address the “four Cs” of winter fires: ...

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When You Travel, Do You Need Special Insurance?

Posted by: vpenson

Recent months have brought travel risks to the
forefront of consumers’ minds: the economic downturn, and safety risks overseas due
to political unrest.

There are two broad types of travel-related coverage
for those leaving the United States:

  • Travel insurance covers the loss of the prepaid travel
    costs of a trip should it be canceled, interrupted, or postponed. It also can
    reimburse unexpected expenses incurred due to a sudden change in travel plans
    due to illness or other causes.
  • Specialty medical ...

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Is Your Home Fully Insured?

Posted by: vpenson

If you’re like most Americans, your home is your largest
investment, so you know how important it is to protect it. You probably take
safety precautions and have insurance that will cover you in case of a loss.

But are you fully
protected? Chances are, no. You probably are running the risk of having to pay
money out of pocket to rebuild your home after a loss, to replace stolen items
or to settle a liability lawsuit.

Consider the following questions to ...

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Business Use of My Personal Vehicle: Will My Insurance Work?

Posted by: vpenson

There are over 240 million registered motor vehicles in the U.S.,
according to the Census Bureau. At a given time, as many as a third of those
clutter American roadways, and it is estimated that one-fourth of those are
being used in the course of work.

Running errands, making deliveries, visiting customers. Even
for those whose employment is not based on driving, it’s fair to say that your
vehicle is an essential part of your employment. This presents an important
question: ...

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Insurance: The One Question Everyone Asks

Posted by: vpenson

“Am I overpaying?”

That’s a question that every consumer asks from time to time. Everyone is curious and concerned as to whether he or she is getting a good value for the
money, whether it’s for a candy bar, a car or an airline ticket.

It’s a good question to ask about insurance, too. After all, Americans spend a lot of money on insurance for homes, autos and businesses. In 2008,
American drivers spent $161 billion for personal automobile insurance, reported the ...

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Stay Cool with Swimming Pool Risks

Posted by: vpenson

It’s summer, and thoughts of Americans everywhere turn to water. Whether it’s in the pool, on
the lake, at the ocean or in the river, water draws people almost magnetically
as the weather turns hot. In fact, swimming pool trade groups teamed up to make
May “National Water Safety Month” in the United States to make consumers “water
aware.”

Swimming pools are popular but also present a risk to a homeowner. While homeowners are welcoming
friends and family with a clear, ...

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Safety Makes Your Summer Party Memorable—In the Right Way

Posted by: vpenson

The entertainment value in a summertime get-together can be in the camaraderie and storytelling. But don’t let your next backyard barbecue
turn into a tale of woe, to be retold years from now.

One party hostess recalled a disastrous event that involved hot oil, alcohol, a paper tablecloth and fireworks:

“The oil to fry the turkey was too hot and too full (yes, we fry our turkeys in Texas). Maybe it had to do with the over-served [read: one too many alcoholic ...

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Feathering the Nest? Update Your Insurance

Posted by: vpenson

Consumers spend billions on their homes. Home improvement
projects tallied to a whopping $280 billion in 2005, according to research from
the Joint Center for Housing Studies at Harvard University. The center forecasts
that home renovations will grow at a steady 3.7% rate annually through 2015,
after inflation.

What shouldn’t be lost in the excitement of adding a
bedroom, finishing a basement or updating the kitchen is your financial
security. The risk management and insurance tools available through your
Trusted Choice® ...

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Small Businesses: Don’t Let Business Risk Share Your Home

Posted by: vpenson

The diversification of the U.S. economy over the past generation and the advancement of AI has millions of Americans start their own businesses, taking the first step towards a brighter tomorrow. The use of AI has become quite resourceful, and if you want to know why? Read its importance described by the top people belonging to various fields on the Salesforce website. Americans still chase the dream of being their own boss by starting their own business—and the trend has ...

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Flood Insurance: What It’s All About

Posted by: vpenson

Just seven years ago, Hurricane Katrina pounded the Gulf coast of the United States, wiping out
more than 250,000 homes.

That massive storm painfully brought to public awareness the fact that flood damage is not covered
by homeowners insurance.

Many consumers were unaware that, even though their homes were ruined in the hurricane, they were
not insured since they lacked flood insurance. Insurance against flooding
(rising water) is different from insurance against driven rain or leakage,
which often are covered. Since that time, ...

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