To adequately insure high value items, consider a floater A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism. However, there are special limits of liability […]
Most bigger businesses and organizations have large human resources departments and utilize many resources to ensure they have best practices in place regarding their employment policies. But this important piece of the successful business puzzle is often overlooked by small organizations with limited resources. Owners and operators of small businesses may see their employees as […]
Individual Plans are based on individual yield loss and, in some plans, a decline in price, due to a wide range of perils. Below are popular MPCI individual plans available for Iowa corn and soybean farmers. Revenue Protection (RP) Insure against revenue loss due to an increase or decrease in yield and/or price with RP. […]
Whether you’re buying your first home, looking to downsize, or retiring somewhere else, understanding condominium insurance coverage is important. Especially now with the impacts of inflation. Master Policy Coverage Most condo/homeowners’ associations (HOAs) have what’s called a master policy which provides coverage for the exterior of the building and common areas. Common areas may include […]
As a small business owner, you might feel saving for retirement is too complicated or too expensive. However, you shouldn’t rely solely on your business as a retirement plan; it’s risky and often doesn’t work out as expected. One of the first steps in saving for retirement as a small business owner is determining how […]
Protect yourself financially when you owe money on a depreciated vehicle How gap insurance works When you buy or lease a new car or truck, the vehicle starts to depreciate in value the moment it leaves the car lot. In fact, most cars lose 20 percent of their value within a year. Standard auto insurance policies cover the […]
Winter weather can cause many challenges. Snow and ice can make driving difficult. Extremely cold temperatures can make it dangerous to be outside. In fact, cold temperatures also reduce our cars’ fuel economy. This table shows what happens to our fuel economy during the winter months. Car Type Winter Fuel Economy Conventional Gasoline 15% less […]
Millions of Americans—as many as 1 in 40—have hoarding tendencies, and it is even more prevalent among older people. Hoarding is different than collecting because hoarders pursue items with little value. Hoarders also have difficulty getting rid of any items. A hoarder’s house is more than just cluttered: it is overflowing with piles of stuff […]
According to the National Fire Protection Association, local fire departments responded to 1.35 million fires in 2021. And unfortunately, these fires cause upwards of $16 billion in damages annually. The good news is that many of these fires can be prevented by simply being aware of fire hazards around your home or apartment. Are you […]
No matter where you live in the United States, winter weather impacts everyone. From continuous clouds and rain in the west to cooler temperatures, a light dusting of snow, or freezing rain in the south, Mother Nature can be challenging. Here are some ways you can be a good neighbor this winter. 1. Keep your […]
