Safety First When Celebrating Memorial Day

There’s one thing I always say to my kids when I know they’re hanging out with family or friends on a holiday weekend. “Be smart! Be safe! Have fun!” Your Memorial Day weekend can be fun and safe at the same time. It’s normally a fun-filled weekend because it’s one of the first chances to […]

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How Telematics May Help You Save Money On Car Insurance Updated: August 2020

Telematics (or a telematics system) is a method used to collect information about your mileage and driving habits. Insurers generally use telematics data to offer personalized driving feedback, safe-driving rewards or potential cost savings on your car insurance policy for safe driving. Telematics may also come into play if your insurer offers mileage-based insurance policies […]

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How Does Your Homeowner Policy Respond To A Total Loss?

While homeowner insurance covers individuals and families for many day-to-day claims involving water damage, roof damage, and the like, it is potentially there for you when the unthinkable happens and your house is completely destroyed. Dozens of questions arise whenever a catastrophic circumstance occurs; however, there is one question you should ask yourself prior to […]

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It May Have Been Covered but HOW Was It Covered?

If you’ve watched any college football over the past several years, you’ve probably seen multiple commercials from a certain insurance company that likes to show an imaginary college professor walking an individual through a building containing exhibits that represent different claim situations. The commercials show what happened while the professor narrates, then at the end […]

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Don’t Just Throw it Out: How to Protect the Environment and Your Personal Data

As the popularity of the internet and electronic devices continues to grow, so do the number of places where cybercriminals can find—and steal—our personal data. The rise in device ownership is also creating an enormous amount of e-waste. The World Economic Forum estimates that the world is currently producing 50 million tons of e-waste every […]

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Storm Surges Yield Surges in Contractor Fraud

2020 was a year of extremes on many fronts. But just focusing on storm fronts, experts tell us the US experienced 22 separate billion-dollar weather-related disasters last year. At this writing, the Insurance Council of Texas anticipated that the state’s February 2021 extreme weather will result in the largest claim event in Texas history. The […]

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Distracted Driving Awareness Month #JustDrive

It seems like every day we are hearing of a new accident caused by distracted driving. Whether it was caused by someone texting, scrolling on their phone, or just not paying attention to the road, distracted driving accidents are all too frequent and often fatal. In fact, according to NHTSA, distracted driving killed 3,142 people […]

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Not All Homeowner Insurance Policies Are Equal

As I’ve mentioned before in previous articles, I find it sad that personal insurance has gotten commoditized to the point where many consumers buy based upon funny commercials and/or cheapest price. However, it’s a battle that agents like me face every day and all we can ask for is the opportunity to educate our clients […]

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Common Misconceptions about the Personal Umbrella Policy: Part 2

Last week I wrote about several misconceptions that are common to personal umbrella policies. While those four misconceptions still hold true, I thought I would turn this into a two-part series since there are other misconceptions that are quite common. We’ll continue the previous list by adding a few more (along with corresponding explanations as […]

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Common Misconceptions about the Personal Umbrella Policy: Part 1

One thing I’ve learned over the years is there are several common misconceptions regarding personal umbrella insurance policies. In some cases, people who have one think it provides a blanket limit of protection but are often unclear as to how it really works. In other cases, people who don’t have one think they understand what […]

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