Are you covering all the bases? Your homeowner checklist

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Make sure your homeowner insurance policy covers all the bases.

Read our checklist of items that could affect your homeowner insurance coverage to make sure you are covering all the bases. If you agree with any of the following statements, it may be time to look at the terms of your homeowner insurance policy and discuss options with your agent.

  • We would like an estimate of our home’s reconstruction cost at today’s prices.
  • In the event of a loss to our contents/personal property, we want items to be replaced with no deduction for depreciation.
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Help your employees fight distracted driving

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Avoid driving distractions; pull over when you need to use the phone.

Every business owner wants to see that employees get safely to the jobsite or that cargo or products are safely delivered to their customers. Every year, distracted driving becomes a bigger barrier in the way of that goal.

The primary task of anyone behind the steering wheel of a car or truck is to safely control that vehicle on and off the highway. All too often we see a news report that starts with something like, “This morning’s fatal auto accident on the inbound expressway was caused when a distracted driver…” Driver distraction is anything that diverts the driver’s attention away from the driving task onto another activity. In 2011, 10 percent of injury crashes were reported as distraction-affected crashes, according to National Highway Traffic Safety Administration (NHTSA) figures. That year, 3,331 people were killed in crashes involving a distracted driver and 387,000 people were injured, the agency noted.
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Four tips to control insurance costs

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You can take steps to control insurance costs.

Whether you’re a business owner or an individual, you’re probably interested in controlling your expenses, and insurance costs are no exception. You may ask yourself why your policy’s cost increased.

Remember that insurance premiums are tied closely to costs for labor, materials and medical care. As these prices go up, it takes more insurance dollars to pay claims.
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Getting the most from your life insurance

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Review your life insurance periodically to assure you have the coverage you need.

You had a plan and you did the right thing: You purchased a life insurance policy to protect your family. But things have changed since you took out that universal life insurance policy, and it may be time for you to pull your policy out of your files and review where it stands.

Your universal life insurance policy (UL) is a form of permanent life insurance that also has an investment component. A portion of each premium you pay helps build a tax-deferred cash value and earns the current interest rate. Read More