Articles

• What You Should Know When Your Teen Starts To Drive
  Includes topics:
  • Practice, Practice, Practice
  • Keep Calm; Buckle Up
  • Focus. Focus. Focus
  • Limit Nighttime Driving
  • Driving Solo
  • Maintain the Vehicle
  • Don't Drink and Drive
• Announcing Our New Online Forms
  We are pleased to now offer our new Online Requests form. We've updated it to be more streamlined and it is now behind secure server. We hope you find it much easier to use. We ALWAYS welcome your call or visit, but if your choice is to fill out our form online and at your convenience, it's just gotten easier and safer for you. We remain 'As Near As Your PC' but it just got better. ...more
  • Auto & Home Quote, Auto Only Quote, Home Only Quote
  • Policy Change Request - Auto or Homeowner
  • Claim Report - Auto Accident or Homeowner/Property Loss
  • Before Buying a New Car Get A Quote (and make it part of your buying decision)
  • General Inquiry / Comments / Suggestions
• Filing Your Home Insurance Claim
  • A quick review - liability, contents, types of policies
    Taking care of business - Keeping record and steps to follow
    Disaster Planning - what most insurance companies do
    Cash On Hand - receiving a claim check
• Business News
  • Ask Yourself, "Do I Need Flood Insurance?~~ If You Answered No, Read This.
  • Employment-related Practices Liability
  • Independent Insurance Agents... Did You Know...?
  • Incorrect Vehicle Classification May Cost You Money
  • Before You Pick Up Your Rental Car
• Filing An Auto Claim
  • Taking It To The Road - subdivision of the coverage
  • That's It? - Additional Coverage Available
  • After An Accident - Who To Talk To First
  • When The Time Comes - Filing A Claim
  • What Is A Deductible?
  • What is a Claims Adjuster?
  • A Final Note - A Fair Settlement
• Business News
  • Identify theft and your business - cyberrisk policies for businesses and protecting your business from a security breach
  • Disaster Fraud - Phony contractors, impostor government officials and others that see disasters not as tragedy, but as an opportunity to steal from those desperate for assistance.
  • Planning an office party? - in consideration of loss control and liability insurance
  • Utility interruption coverage - losses from a power outage may exceed any direct property damage from the storm and related insurance coverage
• Are you starting a new home-based business as we move into the new year?
  Protecting Your Home-based Business
  • Doesn't My Homeowners Policy Cover My In-Home Business?
  • How Do I Get The Coverage I Need?
  • What Are My Policy Options?
  • Vehicles Used In Your Business
  • Protecting Yourself
  • A Final Note
• More Holiday Tips
  • Holiday Toy Safety Tips - reading labels on toys and choose toys that suit the age, abilities and interest; Toy Safety Tips; link to a full list of dangerous toys (U.S. Consumer Product Safety Commission)
  • Collectibles Tips - Giving or Receiving A Valuable or Collectible Gift This Year; Guidelines to Ensure That Your Investment in Collectibles Remains Secure
  • Holiday Fire Safety Tips - Christmas tree precautions
• Don't Let A Grinch Steal Your Christmas! - Be ready for Christmas
  • Empty Boxes Out On The Curb
  • Lock Your Doors
  • Auto Thefts and Break-Ins
  • Gifts In Your Trunk
  • Cards and Cash You Carry With You
  • Party Host Liability
  • Holiday Fires
  • Check Your Coverages
• Glossary Of Insurance Terms
  • Learn more about 'Additional Coverages' to 'Collision Insurance', 'Liability' to 'Medicaid' and 'Medicare' to 'Other-than-Collision Coverage', 'Package Policy', 'Unemployment Insurance', 'Workers Compensation' and more.
• Personal Insurance Notes
  • Is buying insurance like brain surgery?
  • Smooth sailing or choppy waters? (Boat Insurance)
  • Hire the right contractor for your extreme makeover (Home Remodeling)
  • Insurance for college graduates is a must
  • What You Drive, Drives The Premium
  • Why an independent insurance agent is better.
• Divorce and Insurance
  • How to organize your insurance overview; understand Health / Medical insurance types; possibilities of loosing your spouse’s employer-provided insurance; who will be the primary insurers plan; homeowners/renters insurance needs; vehicle insurance; protecting your paycheck; who is responsible for insurance; beneficiary designations and life insurance planning
• Business News
  • Runners and schemers, fraud, oh my!
    Insurance fraud is a crime that happens every day in every state. It costs policyholders a lot of money—nearly $80 billion a year. What we are doing about it and what you can do.
  • New fax rules set for Summer 2005
    New rules go into effect concerning written consent of recipients before sending any unsolicited commercial fax advertisements.
  • Ask yourself “Do I need flood insurance for my company?” If you answered no, read this
    Understanding that floods can happen any where, any time—not just near the coast, lakes and rivers, learn how you can help yourself prepare for flooding.
  • Preventing accidents protects employees and reduces workers’ compensation premiums
    Studies show most workplace accidents are caused by employees rather than by faulty equipment or dangerous conditions. There are steps you can take to reduce them. By planning for and preventing work-related accidents, your company can decrease its workers’ compensation premiums.
  • Certificates of insurance — what purpose do they serve?
    Why you should not rely solely upon someone else’s insurance to protect your business.
  • Do you know why an independent insurance agent is better?
• Life / Health Insurance 101
  • Introduction
    This is the introduction to multiple articles that will answer many of your life and health insurance questions. The introduction generally reviews consideration that you are a machine that generates thousands of dollars in income per year and presents a high level discussion of what life insurance is and how much you need.
  • Part 2
    Who receives benefits and how much; does it matter how I die; paid as lump sum or distributed; who can be beneficiary and how often can that change; different types of life insurance; must I die to collect; requalification requirements; how the price is set; permanent versus term
  • Part 3
    Understanding Term Life versus permanent; How much will the cash be worth if I need to cash the policy; Major purpose of health insurance, major types of individual policies; Individual versus group insurance at work; Major Medical Health Insurance; How does deductible work
  • Part 4
    In a health policy - understanding and definitions for coinsurance, disability income policy, disability, PPO and HMO; how can one collect under a disability income policy and how long must I be disabled before my benefits begin; purpose of PPOs and HMOs; choosing any doctor or hospital
• Planning a Wedding?
  • Read all about: Pre-wedding priorities, combining households, homeowners/Renters insurance, unmarried partners, two auto policies, jewelry, wedding day special event policies, life and health insurance.
• House / Apartment Insurance 101
  • Introduction
    This is the introduction to multiple articles that will answer many of your house / apartment insurance questions. The introduction generally reviews "renters" versus "homeowner" and lists the upcoming article topics.
  • Part 1
    Need for home insurance (two reasons why you really need insurance for your home); insurance included with the mortgage payment; about property and liability coverage; what is usually covered; catastrophe coverage (e.g. floods); other exclusions.
  • Part 2
    Who decides property worth; amount paid for property damage; coverage for property while on vacation, for tenant's property and for my mother's belongings - she lives with us, what about our vacation home.
  • Part 3
    I work out of my home - what is the coverage for my business property; with catastrophic loss, where do I start; why does the insurance company need the location of the nearest fire hydrant; what I can do to lower my premiums; who watches the insurance companies; steps to take when property is damaged or stolen; what if I am found liable for personal injury
  • Part 4
    What about when I am a renter or own my own condo - what insurance do I need; what coverage does my landlord's policy provide; how is renters insurance priced; what about my roommates coverage; how is a condo ownership policy different
• Renters Insurance
• Preparing a Home Inventory
• Insuring Recreational Vehicles / Boats / Jet Skis
• Preparing To Remodel
• Auto Insurance 101
  • Part 1
    • Why you need auto insurance
    • Different types of auto insurance policies
    • Understanding the factors that affect the pricing
  • Part 2
    • What is "no-fault" Insurance?
    • Do all states require some kind of liability insurance?
    • What happens if I have an accident with an uninsured driver?
    • Understanding cancellation by the Insurer:
      • Why would my insurer cancel my policy?
      • What do I do if my insurer cancels or refuses to renew my policy?
      • How do I keep my insurance company from canceling my policy
  • Part 3
    • What steps can I take to reduce my rates?
    • How does adding drivers to my policy affect my rates?
    • Who's watching the insurance companies?
    • Do I always need to buy insurance when I rent a car? Am I not
            covered by my own policy?
  • Part 4
    • What If I loan my car to someone - coverage?
    • Coverage for natural disasters or "Acts of God?
    • What does my policy need to include and do I need to read the fine print?
    • What actually happens when I report an accident?
    • Special needs for classic cars?
• After An Automobile Accident       (Printable Checklist)
• Overview Of Terrorism
• Preparing For College

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