Archives for March 2017
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Insurance Appraisals Help You Select Coverage for Your Valued Belongings
Your Great Aunt Marge has always known how much you admire her antique Turkish rug, so, during an extensive remodel of her home, she gifts it to you. Now you couldn’t imagine your living room without it. So, you pick up the phone and call your independent insurance agent to ask if it’s covered under Personal Property on your homeowners, condo or renters policy.
While your policy notes that you have $40,000 worth of Personal Property coverage, it also states that only $1,000 of that can go toward rugs at any one time. You’re not even sure how much the rug is worth, but you think it’s more than that.
When you bring the question to your insurance agent, her reply is: Get it appraised. With an appraisal, she can designate or “schedule” specific coverage for it on your policy – regardless of any coverage limits your policy imposes.
It seems perfectly logical, until you realize you’re not quite sure how to go about getting a personal property appraisal for insurance. These three tips will help:
Sometimes, my wife teases me, saying that I’d communicate better if I could read her mind. While I may never become psychic, I do recognize that effective communication goes a long way in both personal and professional relationships.
I regularly provide risk management presentations to local dental societies, conventions and dental schools. One of the topics I cover is the importance of communication. There are lots of benefits to positive interactions, and having conversations with clients makes a difference. Even when you have a full schedule or waiting room, investing a few minutes to talk with each of your patients can improve your business:
Before you swipe your bank card or credit card to make a payment or complete a bank transaction, be alert for skimmer devices attached inside or over the real card reader. Criminals use skimmers to capture the information from the magnetic strip on credit or debit cards, gaining unauthorized access to consumer accounts.
Skimmers have become increasingly prevalent as they are easy to put in place. The skimmer device fits right over or inside the real card reader. When the card is swiped, it passes through the skimmer before going into the real reader. Skimmers have popped up at bank drive-through ATMs, gas stations and other businesses, especially in remote locations or places that are difficult to monitor.
The National Flood Insurance Program (NFIP), a federal initiative that assists communities in flood protection, ranks floods as the “No. 1 disaster in the United States,” causing billions of dollars in damages on an annual basis. The agency also notes the average flood insurance claim reached $42,000 between 2010 and 2014, and total claims were $3.5 billion annually on average between 2005 and 2014. Remember, damage to your home caused by flood waters is typically not covered by your homeowners policy. You’ll need a flood insurance policy through NFIP. Speak with your independent agent about your coverage options to make sure you have the right coverage if a flood occurs.
With these costs in mind, let’s take a look at some of the ways you can recover following a flood that damages your home:
Due to the varying impact of the storm across the agency footprint, we will re-evaluate the situation at 10:00 a.m.
Winter can be a risk to the continuity of business operations. Small business owners should be ensuring that their assets and operations are protected against the elements of the season. A strong handle on risk management can help to maintain stability during this season.
Here are three wintertime risk management tips for small business owners:
For parents, having a teen driver in the house can be cause for mixed emotions. On the one hand there’s the added freedom of having another driver who can run errands and no longer needs to be driven to school or extracurricular activities.
On the flip side, many parents worry about the extra expense of adding a teenager to the insurance policy, as well as the accompanying expenses of gas and perhaps even an additional car.
Several factors affect how much the cost of insurance increases when a teen driver is added, including geography and gender. Insuring teen male drivers is more expensive than females, and certain areas are simply more expensive than others. While you can’t do much to change those two factors, there are many ways for parents to cut insurance costs. The good news is that, in addition to improving the bottom line, these options could help your teen become a better driver or even become more conscientious about his or her grades.
Here are three things you can do right now to start saving money on your teenager’s auto insurance.
From flowers and candy to jewelry and dining out, Americans spend nearly $20 billion to show their love on Valentine’s Day, according to Forbes. If you’re investing in an expensive jewelry gift this year, it’s critical you protect that investment against loss or theft. The only thing worse than having a diamond necklace stolen is discovering that your current homeowners or renters insurance policies do not provide sufficient coverage!
Here are some things both the giver and the recipient should consider when thinking about insurance coverage for expensive jewelry.
You’re the weekend warrior: attacking your home improvement projects with gusto. You’re not alone. Millions of Americans attempt home fix-it projects for fun or to save money.
Millions of workers spend their days in front of a computer screen. To stay comfortable and prevent strain or injury, make sure your chair, desk and screen are arranged to fit your needs.
Keller Stonebraker is proud to welcome Hank Speckhardt to our sales team. He will be located in our Ellicott City office. Welcome Hank!
Keller Stonebraker is proud to welcome Jordan Reitz to our sales team. He will be located in our Waynesboro office. Welcome Jordan!