An inspection can help identify special features in your home.
Many people don’t know where to start to estimate home value when purchasing homeowner insurance. For some, the first instinct may be to insure the home based on mortgage value. Others may look at real estate market value, property tax basis or some other factor. But any of these values could be far less than the actual cost to rebuild, and that is the key consideration when buying insurance to protect against a loss.
There is no way to guarantee the cost to reconstruct your home in the event of a loss at some future date, but there are a couple of tools that can point you in the right direction. Read More
December is National Impaired Driving Prevention Month, and traffic safety organizations around the country are stepping up advertising to remind citizens of the hazards of drinking and driving.
In 2011, a person died every 53 minutes from a motor vehicle crash that involved an alcohol-impaired driver, totaling 9,878 deaths in the United States. These preventable accidents cost each adult in the United States approximately $500 per year for a total of $132 billion, according to the National Highway Traffic Safety Commission.
Take precautions when shopping online.
Cyber Monday, the Monday after Thanksgiving, has become the biggest online retail shopping day of the year. In 2012, Cyber Monday shoppers racked up $1.46 billion in sales, a new online record, according to comScore. Because of the explosive growth each year in online holiday sales, shoppers need to be extremely diligent in making digital purchases. Scammers with fake websites and emails are lurking out there to separate you from your money. Your identity is also at risk.
Be aware of your surroundings when
shopping this holiday season.
With the holiday season fast approaching, many of us will be out shopping and enjoying the festivities. In this joyous atmosphere, we also need to be aware of our surroundings and develop a safe routine because unscrupulous individuals may be out to take advantage of our festive mood.
Some things to keep in mind when you are out: Read More