When Life Brings Storms, a Personal Umbrella Policy Protects You

Many personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury for which you are responsible, whether it is bodily injury or personal injury. We all know that lawsuits can stem from just about anything. The importance of liability coverage is discussed in previous blog posts, […]

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Heed Your Mom’s Advice: Don’t Give Rides to Strangers (Unless You’re Properly Covered)

Most of us have seen the meme going around that refers to a couple of life lessons that have reversed course over the past couple of decades: don’t get in the car with strangers and don’t meet people from the internet. The fact is, the internet, when combined with the “sharing economy,” has drastically changed […]

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Do Not Disturb: The Dangers of Distracted Driving

Nine. A relatively small number until you put it into context. Every day, nine lives are lost due to distracted driving. Driving is something that many of us do each day without putting in much thought or energy, almost like being on autopilot. Instead of using driving as a time to unwind, focusing on the […]

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Three Ways Auto Insurance is Going High Tech

Today, you can make money by driving people around. You can save money by showing your insurance carrier how you drive. And, you can rely on your smartphone to keep your insurance ID cards at the ready. Technology is changing the way we use our cars, and it’s changing our auto insurance policies. Let’s take […]

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Replacement Cost Value Versus Market Value: What’s the Difference?

Many homeowners often wonder why the limit on their homeowner’s insurance policy is more than the market value of their home. In some cases, there can be a drastic difference between what you recently paid for your home versus how much insurance coverage you have. It’s just a way for the insurance company to get […]

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Driving Text Free

I was talking with a group of friends who have just had the pleasure of having their 16 year olds become licensed to drive. And of course the discussion came up about texting and driving and what can be done to prevent it. So I thought with school starting and new drivers driving to school, […]

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New Liberty Mutual study explores teens’ behavior behind the wheel

I came across this article and thought I would share it with you. Having 2 kids in high school and at different driving experience levels, the article rang true to me. U.S. teenagers are more reckless after their first few years of driving, often becoming overconfident in their abilities and putting themselves at higher risk […]

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May We Have Your Attention Please?

When driving home from work this week, I came face to face with a distracted driver. The driver was looking down, eyes off the road, texting, and nearly hitting me. Recent studies have shown drivers are more distracted, which accounted for 3,179 deaths and 431,000 injuries in 2014. It is even estimated that 1 in […]

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What is Additional Living Expense Coverage?

Not many people sit and think about what they would do if a devastating tornado or fire completely demolished their home and left them “homeless.” When the unthinkable happens, Additional Living Expense, an often overlooked coverage that is typically part of a homeowners policy, may prove to be a financial and emotional lifesaver. Homeowners insurance […]

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Precious Cargo: Keeping Your Children Safe in the Car

I was driving over to Smith’s the other day and saw a woman stopped behind me at the light with what appeared to be a toddler in the seat next to her. It kind of ticked me off, but then I thought, it’s a small town, what’s the harm. We never have accidents here, right? […]

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