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Common Misconceptions about the Personal Umbrella Policy (Part 2)

By Auto, extra protection, Home, Insurance, Personal, Personal Insurance, Personal Umbrella, personal umbrella policy, protection, Umbrella, umbrella policy

Back in 2017, 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…

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Save Money with Auto Premium Discounts

By Auto, Central, deductible, discounts, discounts & credits, Financial, Home, independent agent, Independent Agents, Insurance, insurance premium, loss, loyalty credit, package discount, Personal, premium discounts, protection, Saving Money

Many of us are well aware that owning a car can be expensive (especially a new car)! According to a AAA study, the average cost of owning and operating a new car was $773.50 a month in 2019. Expenses like…

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Cracking the Code on Commercial Umbrellas

By blanket additional insured, Business, business owner, Claims, Commercial, Commercial general liability, commercial umbrella policy, general liability, independent agent, Insurance, Liability, liability coverage, owning a business, professional liability, protection, Umbrella, umbrella policy

Many people in the insurance industry will agree that umbrellas are one of the most misunderstood lines of insurance coverage in existence. Of course, it’s easy to understand why when you look up the definition of “umbrella” and get explanations…

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Now Might Be the Perfect Time for an Account Review

By Adequate coverage, adequate protection, agent, annual insurance review, Auto, Business, business owner, Claims, Commercial, Home, Household Inventory, independent agent, independent insurance agent, Insurance, insurance program, insurance review, Liability, liability exposures, owning a business, Personal, personal assets, Prevention, protection, Umbrella, umbrella policy

If you’re like many of the people I’ve spoken with over the past couple of weeks, your life is beginning to return back to a revised sense normalcy, which is a good thing considering you’re probably starting to run short…

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World Backup Day! The 5 W’s of Data Backup

By back up data, Business, confidential data, data backup, data storage, Education, Home, information technology, Insurance, Personal, personal computer, personal data, personal information, Prevention, private information, protect online privacy, protecting your data, protection, Technology

Times are really different right now compared to years past, but today is March 31, and that means it’s World Backup Day. As we’re quarantined and trying to stay healthy, it may be a good time to remind ourselves about…

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Medical Payments – The Forgotten Homeowner Insurance Coverage

By bodily injury, Central, Claims, comprehensive protection, coverage, coverage limits, exclusion, homeowners insurance, homeowners policy, Insurance, Liability, medical payments, Personal, personal liability coverage, protection, slip and fall, slip and fall accidents

There are a few homeowner insurance coverages that almost everybody has but very few think about. Personal liability is one of those coverages and even lower on the totem pole is medical payments coverage. However, that doesn’t mean it isn’t…

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The New Year is a Good Time for Your Commercial Policy Check-Up

By annual insurance review, Business, Business Insurance, business owner, Commercial, commercial insurance, commercial property, exposure, exposure changes, Financial, independent agent, Independent Agents, independent insurance agent, Insurance, New Year, new year's resolution, protection, renewal, small business

As a small business owner, you have a lot on your plate. Obviously, making a profit and keeping your business growing are of paramount concern.  In addition, there’s making payroll, staying competitive, staying on top of new healthcare and tax laws,……

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Smart Home Technology – Friend or Foe?

By Home, home security, information technology, Insurance, Internet, internet safety, new technology, online safety, Personal, protect your home, protecting your data, protection, protective devices, safety, Safety Tips, smart phone, smartphone, Technology, technology advances

Anyone buying any cool tech gifts for themselves or for loved ones this holiday season? The possibilities are endless when it comes to “smart” devices that are available for you and your home! These devices range from smart plugs and…

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Protecting Your Identity After a Data Breach

By credit card, credit freeze, credit report, cyber security, data breach, Financial, hacker, identity fraud, identity theft, identity theft insurance, Insurance, Internet, passwords, Personal, personal information, Prevention, protection, Risk Management

Capital One announced recently that a hacker had accessed the personal information of 100 million individuals in the United States and 6 million in Canada that had applied for credit with the Virginia-based bank. The affected information includes credi…

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