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All You Ever Wanted to Know About Insurance

Be a Responsible Dog Owner

Dog Bite Liability

THE TOPIC - MAY 2015 Sixty-eight percent of U.S. households, or 83.3 million homes, own a pet, according to a 2013/2014 survey from by the American Pet Products Association. According to the Centers for Disease Control...

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Coverage for Jewelry and Other Valuables

A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm,...

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Thrifty Security: Burglar-Proof Your Home for the Holidays

It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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What Is Umbrella Liability?

If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney's fees, up to a limit set in the policy. However, in our...

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Do I need to insure my household help?

If you hire household help, you will need to get the appropriate insurance coverage. The type of coverage depends on the nature of the employee's position. Contracting with an outside firm - If you need a nurse,...

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What is a beneficiary?

A beneficiary is the person or entity you name in a life insurance policy to receive the death benefit. You can name: One person Two or more people The trustee of a trust you've set up A charity Your estate If you don't...

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Why should I purchase permanent insurance?

A permanent life policy provides lifelong insurance protection. The policy pays a death benefit if you die tomorrow or if you live to be a hundred. There is also a savings element that will grow on a tax-deferred basis...

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How is life insurance sold?

You can buy life insurance either as an "individual" or as part of a "group" plan. Individual Policy - When you buy an individual policy, you choose the company, the plan, and the benefits and features that are right...

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Insuring a Vacation Home

SPECIAL HOMEOWNERS INSURANCE PROTECTION A vacation home can be a wonderful luxury and sometimes even a good investment, but there are some important factors to consider before making the leap into second-home ownership-...

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