Personal Insurance

Whether you live inside or outside of the high-risk flood area, if you own property you should consider purchasing flood insurance for the protection and peace of mind it brings. However, many property owners, particularly those in high-risk flood areas, may be required to have flood insurance. Do you have a mortgage? Homes and businesses in high-risk flood areas with…

High-tide floods – also called nuisance floods or sunny day floods – are already a familiar problem in many cities on the U.S. Atlantic and Gulf coasts. The National Oceanic and Atmospheric Administration (NOAA) reported a total of more than 600 such floods in 2019. Starting in the mid-2030s, however, the alignment of rising sea…

It’s no secret that passwords have substantial monetary value to cybercriminals. The importance of using secure, unique passwords is growing as you entrust increasing amounts of personal information to organizations and businesses that can fall victim to data breaches and password leaks. Although there may be little you can do to prevent a large-scale data…

With a standard homeowners insurance policy, your dwelling is insured for a specific amount, which is listed on your policy’s declaration page. Here’s a key difference between standard homeowners and High- Value homeowners. High Value policies often go above and beyond a standard policy by offering extended replacement cost coverage for your dwelling and other…

When it comes to your possessions, owners of high-value homes are always concerned that they get enough insurance coverage for homes filled with expensive personal items. Not only that, high-value home policies cover your dwelling for all risks, versus a standard home insurance policy covers your home for a limited amount of risks (“named perils”),…

In honor of World Password Day on Thursday, May 6, 2021, the FBI is encouraging the public to strengthen their passwords/phrases and account protection. Passwords are used for everything; we use them for our phones, computers, email, even financial information. Unfortunately, many use the same simple passwords, like 1234 or Password1, for multiple accounts. Simple…

Flooding is a temporary overflow of water onto land that is normally dry. Floods are the most common natural disaster in the United States. Failing to evacuate flooded areas or entering flood waters can lead to injury or death. Floods may: Result from rain, snow, coastal storms, storm surges and overflows of dams and other water…