Personal Protection

Is Pet Insurance Really Worth The Cost?

Posted by on Mar 9, 2017 in Personal Protection | 1 comment

Owning a pet can be expensive. A well-bred puppy can easily cost $2,000+ for a desirable breed. Annual costs can be $700 or more including food and wellness checkups at the vet. And that assumes things go well. If a pet requires an emergency visit to the vet, the costs for such visits can quickly skyrocket into the thousands of dollars. Treating chronic illnesses is expensive too. But let’s face it. Pets become a treasured part of our families. Insurance becomes about more than protecting your investment in the animal. If your dog or cat gets sick, most folks struggle with the idea...

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Watch Out For Being Over-Insured With These Handy Tips

Posted by on Jan 24, 2017 in Personal Protection, Uncategorized | 0 comments

Here’s one of the core things we help our clients with. Understanding how to minimize personal economic dangers via insurance coverage. For example, the sudden death of a close relative can have a significant negative impact on your family’s financial well being. Having adequate life insurance can help address this. Your home might catch fire. Adequate homeowners insurance offers critical protection. And of course having appropriate auto insurance protects you from a loss in case your car is totaled. It’s important to have insurance to protect against all of these different threats. But...

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Best of 2016: Financial Dangers of a Natural Disaster

Posted by on Dec 30, 2016 in Personal Protection | 0 comments

Fires, floods, tornados, hurricanes, high winds, hail and lightning… Mother Nature has some serious weapons in her arsenal, and she’s not afraid to use them. With extreme weather becoming more common in many parts of the country, every home is likely at risk of incurring damage from more than one type of natural disaster. In some cases, even with insurance, the outcome is financially dangerous. Consider the following monetary hardships you may encounter. You’ll probably pay clean-up costs out of pocket. Even if these expenses are covered by your homeowner’s insurance, you may want to pay for...

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Tips How To Save On Home Insurance

Posted by on Nov 30, 2016 in Personal Protection | 1 comment

If you own a home or condo, having a home insurance policy is required. But once you have it, most folks end up ignoring it after they have it in place. Yet for most of us, a home is the most valuable asset we’ll own… and it is filled with all the things we’ve collected over a lifetime. A home or condo policy must offer enough coverage to restore the house to its former glory in case it is damaged. But you also have to factor in the value of your belongings as well including antiques, collectibles, jewelry, high tech items, etc. There’s no magic time to think about home insurance… so check...

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Factors that Affect Homeowner’s Insurance Rates

Posted by on Oct 4, 2016 in Personal Protection | 0 comments

Unlike motor vehicle insurance, homeowner’s insurance is not required by law. However, if you purchased your home with a mortgage, your lender likely required you to buy a homeowner’s insurance policy to protect their investment in case of a fire or natural disaster. It’s important coverage to have—even if you own your home free and clear—and you may even be able to reduce your annual premium once you understand the factors that generally affect homeowner’s insurance rates. Your home’s age and construction. When setting a homeowner’s insurance rate, the insurer estimates how much it will...

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Should You Install Electronic Door Locks?

Posted by on Aug 29, 2016 in Personal Protection | 2 comments

Traditional house keys may soon go the way of rotary phones thanks to new lock technology. From fingerprint sensors to Bluetooth and Wi-Fi enabled systems, keyless entry products are rapidly transforming the way Americans secure the doors to their homes. Are these easy-access locks the right choice for you? If you’re not comfortable with technology, they probably won’t be. However, if you have no problem programming your DVR, universal remote and household thermostat, a keyless lock may be a good option. Types of Keyless Locks Available Now Biometric locks recognize your fingerprint,...

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