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Keeping Your Teen Safe – National Teen Driver Safety Week

Every parent wants to keep their teen safe behind the wheel. Most every parent worries each time they leave the house behind the wheel (or as a passenger with their friend). National Teen Driver Safety Week seeks solutions to preventable teen driving accidents. To help, the Keating Agency is sharing information and resources to keep teen drivers safe. Risky Driving Behavior Won't Keep Your Teen Safe A number of driving and safety programs take a "scared straight" approach to teen driver Read more [...]

It’s Fire Prevention Week – Every Second Counts to Get Out

Fire Prevention Week is observed the second week of October. This usually is a time when temperatures drop and the furnace gets turned on.  Home fire incidents tend to increase once people start heating their homes. In fact, Trusted Choice states that home-heating and cooking cause 72 percent of all residential fires.  But they aren't the only causes. Fire Prevention Safety Requires a Plan Some of the common causes of home fires include: electrical or heating system malfunction Read more [...]

Recent Disaster Damage Proves You Could Lose Your Home

The last few weeks have seen a wave of unprecedented damage and destruction...Harvey, Irma, Jose, and Maria devastated a number of communities. Many homes were lost in Houston and Florida while Puerto Rico is a catastrophe unlike anything we have ever seen.  Hurricane season still has nearly two months left! Do you have enough homeowners coverage in case your home is a total loss? Damage Assessment: Total Loss If you live far from the shore, the odds of a hurricane or tropical storm destroying Read more [...]

Retirement Planning for Millennials Doesn’t Have to Be Hard

The words "retirement planning" and "millennials" often aren't found in the same sentence.  However, financial planning is as important for millennials as it is for retirees.  Someday, those millennials will be retirees. But given their youth and the crushing student loans many have, how do you begin?  They may be living on a diet of ramen noodles and coffee. Do they even have enough money to put into savings?  And what about financial planning fees? As our title says, retirement planning Read more [...]

Do Your Home-Based Business Ideas Pass or Fail?

Think you have some winning business ideas?  Want to be your own boss? Millions of people operate a small business in the United States.  In 2013, Forbes reported that 52 percent of all small businesses were home-based.  And we've all heard how Steve Jobs started Apple in his basement. Are you the next Steve Jobs?  Is your home the right place to bring your business ideas to life? Don't Let Your Business Ideas Fail. Get the Right Coverage! We shared the cautionary tale of a couple who Read more [...]

Are Vacation Home Rentals Like Airbnb Covered?

The gig economy presents new possibilities for everyday citizens to make money.  We've talked about rideshare drivers and the insurance perils they face. Vacation home rental is another emerging market with the advent of Airbnb and HomeAway.  It doesn't have to take too much effort on the part of the homeowner.  Also, it's popular among travelers looking for less expensive and unique accommodations. Have you thought about making a few bucks by renting out a spare room, or even your entire Read more [...]

Bad Hurricane News Came with Harvey – Too Many without Flood Insurance

Have you been transfixed by the hurricane news on TV and the internet?  Harvey left a path of devastation never before seen. Areas from Houston to Louisiana received more than four feet of rainwater.  Government experts won't release an estimate of the storm damage costs.  However, it is expected to surpass Hurricane Katrina.  Adjusted for inflation, Katrina (2005) cost $160 billion in combined private and government funded repairs. Hurricane news you may not have heard: This level of Read more [...]

Back to School Means Making Safety a Priority

Back to school is a time of change for children and their families.  It also marks a time of change for drivers.  More traffic and people will be on the roads. Just last week, the Westport Police Department announced its back to school enforcement and education campaign. Police will target traffic violators in school zones and around school bus stops. I'm sure police departments in other Connecticut towns also have planned enforcement crackdowns to keep children safe. Back to School: Read more [...]

Cheap Renters Insurance May Empty Your Wallet

As college graduates embark into the world, they are looking for two things: A good job A cheap place to live Our friends at Money Magazine list the top 50 places graduates can find both and SURPRISE!!!!  Hartford, CT comes in at #3 on this list (watch the video in the article for the reasons why)!! While cheap rent may be on the shopping list, cheap Renters Insurance should not.  And, yes, you really do need Renters Insurance...read on for why. One Liability Claim Will Sink a Cheap Read more [...]

Consumer Alert from CT Insurance Department

Unfortunately, the criminals are at it again, this time trying to impersonate a CT Insurance Department employee in the hopes of getting your policy numbers and other personal information. Because we are a local, independent agency we are able to work with great carriers to team up and get this news spread as fast as possible.  Thanks to Plymouth Rock/Bunker Hill for getting on this alert quickly. Now, we'll do our part by sharing this story and ask our readers to do the same...share to as many Read more [...]

Think Cheap Insurance Is Good for Your College Student?

It's back-to-school time.  As you contemplate what your college student is taking to school, remember to protect those items away from home.  A cheap insurance policy may not be enough. In the world before laptops and cell phones (the dark ages), coverage for college students was fairly simple.  You didn't need more than a cheap insurance policy to cover the clunker they drove on campus. As this comprehensive article from the LA Times notes, today's student may have auto, home, life, and Read more [...]

Cyber Risk Insurance

Privacy laws are constantly evolving, creating new responsibilities for businesses. If you experience a privacy or security breach, will you know what to do? A new and inexpensive insurance is available for this risk. Called by different names, such as Privacy, Network Security, Data Breach or Cyber Risk Insurance, this protection is critical for all organizations. What is it? Protection from cyber and technology risks, such as: loss or inadvertent disclosure of confidential private Read more [...]

Business Ideas for Home Could Be Bad Ideas

Turning a hobby into a money-making endeavor is a popular business idea in the gig economy. If making jewelry is your passion, why not make money doing what you love? Our friends at Property Casualty 360 offer a cautionary tale. It's a must read if you plan to, or already are running a home business. Oh, you may not consider it a business, but the courts do meaning major financial risk to you. Does Homeowners Insurance Cover Business Ideas? Before putting your home business ideas into Read more [...]

Auto Insurance Premium Factors

You probably don't think about your auto insurance premiums most days.  You have plenty of other things to occupy your mind like work, what's for dinner, or taking your pet to the vet. If you are accident free and have a clean driving record, your auto insurance premium may be one of the last things on your mind - until you get your renewal notice.  It's going to cost WHAT?! If you are like most people, the cost of your auto insurance has been steadily creeping up the last several years. Read more [...]

Texting and Driving Is Dangerous at Any Age

When we talk about the problem of texting and driving, we usually think about teenagers. Commercials about the dangers of texting and driving usually show young people as the culprits. However, our friends at the Claims Journal say that distracted driving is a problem for every age group. A study shows that older adults are driving while distracted LESS than their younger counterparts, but it found that 60% of drivers aged 65 and older talk on the phone when they drive!  What? Texting Read more [...]

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