Posts made in October, 2017

Get Ahead of the Storm: Simple Steps to Winterize Your Home

Posted by on Oct 31, 2017 in Personal Insurance | Comments Off on Get Ahead of the Storm: Simple Steps to Winterize Your Home

As the hustle and bustle of the holiday season approaches, it’s easy to get caught up in party planning, shopping, gift wrapping, and home decorating … while forgetting about home winterization. But skipping some simple winter prep steps can lead to high utility bills, costly home repairs, insurance claims, and more. Get your home ready now so you can spend your time and money on the more enjoyable things winter brings. Protect your plumbing Frozen pipes can burst and lead to water damage and other expensive home repairs. Before temperatures drop below freezing, you should: Disconnect all...

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Maintain Your Sump Pump Today to Avoid Water Damage Tomorrow

Posted by on Oct 24, 2017 in Personal Insurance | Comments Off on Maintain Your Sump Pump Today to Avoid Water Damage Tomorrow

Images of Florida, Houston, Puerto Rico, and other hurricane-riddled areas serve as powerful reminders that flooding can wreak devastating havoc on property. While water damage from historic weather events like hurricanes may be impossible to prevent, there are proactive measures homeowners can take to protect their homes from isolated water damage that typical seasonal rainfall or snowmelt can cause. And proper insurance coverage can add an additional layer of protection. Understanding sump systems Located in the depths of many basements, typically in inconspicuous corners, are one of the...

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Risk and Reward: Understand What “Risk” Means to Auto Insurers — and Which Behaviors They Reward

Posted by on Oct 12, 2017 in Personal Insurance | Comments Off on Risk and Reward: Understand What “Risk” Means to Auto Insurers — and Which Behaviors They Reward

Just as there are many types of vehicles on the roadways, there also are a variety of drivers behind wheels. And how insurers perceive drivers plays a major role in determining what those drivers pay for auto insurance. What does an auto insurer consider when determining drivers’ policies and rates? In a nutshell, risk. Insurance carriers put drivers into one of three categories — preferred, standard, or high risk — based on their risk assessments. Preferred-risk drivers get the best rates, high-risk drivers pay the highest rates, and standard-risk drivers fall somewhere in the middle. While...

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