Travel Safely
I’ve been very fortunate in my 50+ years to travel a LOT! Lucky me, a small-town (population 500 with one caution light, but that’s another story!) Georgia girl has seen most of the US and much of Europe. Being out of town this week at two different conference made me think about traveling tips, travel safety, and travel insurance.
Do you overpack or are you more organized than me? I’m getting better with practice, but sometimes it’s still a struggle. I’m sharing some tips to help with packing that I find very helpful.
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With the new year close at hand, multitudes of people make New Year’s resolutions to improve their lifestyles with diet, exercise, or mastering new skills. Unfortunately, most New Year’s resolutions last approximately 21 days. Instead of making a resolution, why not commit to getting your financial house in order? Money may not be the most important thing, but it can allow you to do things that are most important to you. Start your new year with these six essential tasks to get your financial house in order.
I must admit, I was completely ignorant about insurance before I entered the insurance profession. Even though I had a Master’s degree and felt like I was pretty savvy, I was driving around with state minimum limits. I simply did not know any better, and unfortunately for me, I had not found an insurance agent who cared enough to explain coverages to me. Now that I am in the profession, I find the myths that I hear daily quite humorous. As an educator, I find it troubling to see such an uninformed population when it comes to insurance. There are plenty of opinions out there, but the trick is deciphering the myths and getting to the truth. When buying an auto policy, you need to know what specific coverages mean and how they affect you. Let us help you separate myths from facts about auto insurance. Here are seven myths I frequently hear that are false. I’m hoping, “If you know better, you will do better.”
Americans have been in love with their cars for years. The number of vehicles on the road is very high and many auto accidents occur in the U.S. Data from the 
I love Thanksgiving! It’s probably my favorite Holiday because it is so much about family without all the pressure of Christmas gift selections. I remember getting up early and helping prepare Thanksgiving dinner for the family while watching the Macy’s parade. Thanksgiving is a time for visiting family, sharing meals, and enjoying loved ones, but it’s also a prime time for cooking fires, traffic accidents, and other safety problems. With Turkey Day mere days away, let’s talk about things to consider for cooking, traveling, and taking care of the fur babies.
If I asked the average person on the street what liability limit they carry on their homeowners policy, I would bet 95% could not tell me. Liability is such important coverage, but the non-insurance person generally doesn’t see the significance of this coverage. Unfortunately, many individuals do not see the importance until something bad happens. And once something bad happens, it is too late. Liability means you are responsible for damage that has been done or damage that you have been accused of doing to another person. You don’t have to be guilty of this negligence to be sued by a person. If you are accused, who is going to defend you?
What’s the #1 natural disaster in the US? Any guesses? I bet if I polled ten people, eight out of ten would answer incorrectly. This disaster isn’t usually on the radar of the average insurance client. I see coverage for it purchased only if a mortgage company requires it. I and my agents at Beacon Insurance Advisers always ask about this insurance coverage. We provide information about this natural disaster in every new business appointment, but very few clients choose to purchase this insurance unless required by the mortgage company. Have you guessed it yet? FLOOD! Floods are the most common and devastating natural disaster in the US; yet, too many clients ignore this biggest disaster. Flood damage occurs when a big quantity of water flows over land, seeping into your home through doors and windows.
