Treehouses & Trampolines: What’s Insured in Your Outdoor Space
Backyard fun may come at a cost, but that doesn’t mean you should avoid splurge purchases like trampolines and treehouses altogether. Ultimately, it’s a family decision, partly based on feedback from your pediatrician on risk vs. benefit, and partly based on whether...
When Do You Need Commercial Auto Insurance? The Answer Might Surprise You
For some, it’s an easy question. You need commercial auto coverage when your business owns company vehicles – whether it’s one or an entire fleet. However this is not the only instance in which a commercial auto policy is recommended. If you often use your personal...
6 Things to Know About Aging Out of Your Parents’ Health Insurance
The Affordable Care Act allows young adults to avoid high premiums and retain health insurance coverage as a dependent on their parents’ health insurance plans. What age you get the boot and need to insure yourself varies. The ACA states that you lose coverage from...
Giving Back to Your Employees: Why a Great Benefits Package Matters
Ray Silverstein, president of small business advisory group President’s Resource Organization, has said that there are specific benefits that good employees expect out of a job. Entrepreneur published his perspective that while medical insurance is at the top of that...
What Does It Mean to Be Financially Literate?
April has been Financial Literacy Month since 2004, when the Senate passed a resolution aimed at helping the public see just how important it was to pursue financial education. A person who is financially “literate” knows how to budget, knows how to invest, and knows...
Using Your Tax Refund to Buy Life Insurance
If you are in the position to receive a tax refund, the first thing you think of when you consider using it is probably not life insurance. However, it’s important to keep an open mind! Instead of using your tax refund on things you don’t truly need such as more...
Awareness and Safety Amid COVID-19
The world has been filled with chaos and worry amid the coronavirus outbreak that has affected many people around the world. In response to the virus, many businesses have been forced to shut down and states have begun issuing stay at home orders. Below are some facts...
Five Immediate Steps for Visible Water Damage in Your Ceiling
It’s a daunting moment when you look up to find a puddle in a light fixture or a growing water stain on a ceiling. Here’s what to do to minimize the damage and get help for a repair. Clear and protect the area beneath the stain. Move furniture and valuables, then lay...
Applying for Life Insurance with Type 2 Diabetes: 6 Questions You’ll Need to Answer
According to the American Diabetes Association and the Centers for Disease Control and Prevention, individuals with type 2 diabetes spend 50 percent more on prescription drugs than individuals without and have a 50 percent greater likelihood of death. In turn, life...
Spring Maintenance Checklist for Homeowners
Winter can be tough on a home. Snow, ice, wind, rain and freezing temperatures can all place stress on your home’s structure. Now that Spring is here, it’s time to start taking stock of any needed repairs or updates to get your home back in top shape. Here are a few...
Is Travel Insurance Worth the Cost?
As spring break approaches and you peruse your options for travel both within the United States and abroad, you’re bound to be faced with a decision: do I accept the added cost of a travel insurance package? Whether you’re booking from a travel website or simply...
Transporting Your Car During a Move
A long-distance move may involve the need to transport a vehicle, especially if one member of the family will be driving a moving van. Before you decide whether it’s preferable to hire an auto shipping company or tow your own vehicle behind a truck or moving van,...
The ABCs of Airbnb: Prepping Your Home as a Short-Term Rental Space
Research suggests revenue from short-term vacation rentals will surpass the hotel industry in 2020. In fact, Airbnb reports that on any given night, there are 2 million people staying at one of its properties. If you’re looking to make extra income listing your space...
Preparing Your Business for the Event of a Flood
Just like your home, your business can flood and potentially experience extensive damage. However, your business has a completely different set of risks than your home does. After a flood in your place of business, you could experience loss resulting from damage to...
Rebuilding Your Business After a Natural Disaster
The Federal Emergency Management Agency (FEMA) reports that 40 to 60 percent of small businesses never recover and re-open their doors after a disaster. It is in the best interest of your business to maintain both adequate insurance coverage and a disaster recovery...
Remodeling Your Home? Don’t Forget to Adjust Your Insurance, Too
Homeowner’s insurance is directly linked to the value of your home, and the only way to be confident you have the coverage you need is to be transparent about improvements you’ve made to your property over time. Here’s what to consider before, during, and after a home...
How to Make a Car Emergency Kit
Whether it’s a flat tire or a run-in with a winter storm, a vehicle emergency can really catch you off guard. The first step you should take in creating a road emergency plan is to give your insurance agent a call. Many insurance carriers offer roadside assistance...
Understanding the Difference Between Federal and Private Student Loans
Debt happens. When it comes to pursuing a post-secondary education, loans can be an important means to an end. But before you choose between federal and private loans (or choose a combination of the two), you need to understand the difference and the long-term effect...
Live Well, Work Well – Health and wellness tips for your work, home and life
CORONAVIRUS According to the Centers for Disease Control and Prevention (CDC), coronaviruses are common in animal species, and most don’t affect humans. As of now, only seven different coronaviruses are known to infect humans. In their lifetime, most people will be...
How Homeowners Can Reduce Risks in Winter
Our homes protect us from the most severe winter weather, but our homes are not always protected from the same elements. Snow, ice, and even simply freezing temperatures can have drastic effects on our homes and the parts that make them work. As the temperatures drop,...