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Save by Knowing – Home Owners Insurance Part 2

Recently, we shared some of the things your home owners insurance may not cover. We also discussed some of the actions you can take to get the right coverage at the right price. Of course, we were only able to cover a few issues that impact your coverage and its cost. So, we'll continue that discussion now as our trusted source Consumer Reports has more information to share. Knowing Is Saving When It Comes to Home Owners Insurance Most claims are settled relatively easily.  However, sometimes Read more [...]

Save by Knowing – Home Owners Insurance Part 1

Home Owners Insurance: it's something we all have, but rarely think about. Television airs plenty of funny commercials about it:  A dog causing the house to catch on fire or a horse in the swimming pool.  How realistic is that? More likely (and realistic) are ice dams that cause leaky roofs or a windy day causing the tree to fall on the house.  In these examples, you call your agent and the matter is resolved in short order. What if a natural disaster destroys your home, are you covered?  Read more [...]

Know the Benefits of the Right Protection for Your Distinctive Home

In a recent blog, we talked about the need for premium insurance to protect your distinctive home and belongings. Basic homeowners insurance limits coverage payouts. Even with multiple endorsements or riders, they may not pay enough to replace the belongings you've spent a lifetime collecting. Make certain you have the personalized coverage to protect the home and life you've built. Successful, Accomplished, Distinctive - We're your premium Agency Trusted Choice notes that premium home Read more [...]

Happy Thanksgiving to All Our Clients

It's hard to believe that this Thursday is Thanksgiving and the start of the holiday season. Where did the year go?  Of course, this is the season we look forward to the most. Spending time with family and friends, especially ones we don't see often, makes for a happy Thanksgiving. Before you hit the road to grandma's house, or fill your dining room for the festive meal, make certain you take precautions to ensure a safe holiday. Safety + the Right Coverages Make It a Happy Thanksgiving Read more [...]

Do You Need Premium Insurance for Your Distinctive Home?

Distinctive homes are all over the Connecticut landscape.  That's no surprise.  Buying a home is an investment in our lives and our future. Successful residents often buy distinctive homes and continue to invest in them. As a result, they remodel with custom cabinetry or features to make it truly their own.  You know the saying, "Your Home is Your Castle" So, short of a moat and ramparts, is your castle properly protected? Don't Substitute Inferior Quality for Your Home's Most Distinctive Read more [...]

Drive Safe, Awake and in Control

Did you enjoy that extra hour of sleep this weekend?  The shift from Daylight Savings Time to Standard Time is the one day of the year we gain an extra hour. But is one extra hour of sleep one day out of the year enough to ensure we drive safe? It's no coincidence that Drowsy Driving Prevention Week starts the Monday after the time change. While most people are aware of the dangers of distracted and drunk driving, drowsy driving can be just as deadly. Has a lack of sleep ever hampered your Read more [...]

Is Your Home Safe This Halloween?

Trick-or-Treat! One of the most festive days of the year is upon us.  Soon, the streets and sidewalks will be filled with an array of ghosts, goblins and ghouls in search of Halloween treats. Besides buying enough candy, you should take other steps to prepare. Your haunted house should be inviting trick-or-treaters, not trouble. So we ask, is your home safe for young visitors on Halloween? Keeping Your Home Safe on Halloween Is a Treat for All Do you like to decorate your home for Read more [...]

Not a Financial Advisor? Checkout these Emergency Fund 101 Tips

We all know the adage: If you fail to plan, plan to fail.  But how do you plan for every possibility in life? It could be a job loss, wildfire or natural disaster, or even an accident that leaves you unable to work for a long time.  How do you prepare? You may not be a financial advisor, but you don't have to be.  Starting and keeping a rainy day or emergency fund can help.  It will allow you to concentrate on the matter at hand, rather than worrying about how you will pay your bills. First Read more [...]

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 [...]

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