Personal Insurance

How Could the New Tax Overhaul Affect Your Insurance?

Posted by on Feb 8, 2018 in Business Insurance, Franchise Insurance, Life Insurance, Personal Insurance | Comments Off on How Could the New Tax Overhaul Affect Your Insurance?

The most sweeping U.S. tax reform in 30 years became official when the federal tax overhaul passed both houses of Congress and was signed into law by President Donald Trump Dec. 22, 2017. The new law includes several major changes to the Internal Revenue Code and also repeals former President Barack Obama’s health care law, which included an individual mandate for health insurance coverage. Under “Obamacare,” nearly all Americans were required by law to have health insurance or pay a penalty. In 2017, the penalty was $695 per adult and $347.50 per child or 2.5% of one’s household...

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A Happy, Claim-Free Holiday Starts with Home Safety and Security

Posted by on Dec 19, 2017 in Personal Insurance | Comments Off on A Happy, Claim-Free Holiday Starts with Home Safety and Security

It’s the most wonderful time of the year, or so the song goes. It promises “parties for hosting, marshmallows for toasting, and caroling out in the snow.” But in the midst of such seasonal jubilation, don’t fall victim to hidden household dangers that lurk beyond the twinkling lights and perfectly wrapped packages. Filing insurance claims due to preventable property damage or theft is sure to put a damper on holiday cheer. Instead, be aware of common seasonal hazards and take proper measures to keep your home safe and your celebration merry, bright, and insurance-claim-free! Holiday lighting...

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Don’t Leave Homeowners Insurance Behind on Life’s Journey

Posted by on Nov 28, 2017 in Personal Insurance | Comments Off on Don’t Leave Homeowners Insurance Behind on Life’s Journey

Homes often mirror changes in homeowners’ lives. As families grow or careers takes new paths, homeowners adapt their spaces to accommodate such life events. When they need more space, they make additions or finish basements. And when homeowners found home-based businesses, their homes double as offices. When navigating life’s twists and turns, it’s important to remember that as our homes change, our homeowners insurance policies likely should, too. When we modify our homes’ sizes, living areas, uses, and even contents or amenities, we may need to modify policies so our homes in their current...

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Avoid Potential Home Dehumidifier Risks

Posted by on Nov 16, 2017 in Personal Insurance | Comments Off on Avoid Potential Home Dehumidifier Risks

Dehumidifiers can mitigate moist conditions that cause condensation on windows as well as musty smells, mold, and mildew. Mold flourishes in areas above 65% humidity and can cause breathing problems, skin conditions, and other illnesses. Over time, humidity can also wreak havoc on furniture, appliances, fixtures, and structures. Thus, maintaining proper humidity levels is important for healthy, comfortable living — and a dehumidifier is often the go-to small appliance for handling it. Dehumidifier risks Like refrigerators and furnaces, dehumidifiers are designed to automatically run as...

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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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