Monthly Archives: January 2014

Go for the…Insurance!

This month is a sports fan’s dream. The Super Bowl takes place on February 2nd and the winter Olympics in Sochi start on February 7th and continues for several weeks throughout the month. While some viewers might tune into the football game solely for the commercials, the Olympics covers enough variety to interest anyone.

There are so many incredible things about watching the Olympics:

The athletes!

The dedication and hard work!

The talent!

The Olympics are meant to inspire people around the world, and they do. Sometimes they inspire people to check out a new sport. Sometimes they inspire people to join a team. And sometimes they inspire people to hold their own household Olympics. When this happens, a driveway can become an ice luge or a skating rink. A backyard hill becomes a ski slope.  A couch can become a vault. These homemade ‘Olympics’ obviously don’t come with the type of experience that we’re watching on television.

kid_couch

 

So, accidents happen.  You can never be too careful, especially with how expensive medical care can be. Make sure you, your family and, if applicable, your employees have the proper healthcare coverage. Health coverage could prevent financial issues as well as providing the comfort of receiving relatively stress-free medical care for that professional snow boarder in training.

Another beautiful thing about the Olympics, besides the location, are the gold, silver and bronze medals awarded to the most accomplished athletes competing in the games. A photo always surfaces of the prize winner biting their medal, to show that it is real. While most of us won’t ever have to worry about how to insure Olympic medals, we do have our own precious belongings to protect.

Do you happen to have any jewelry or other accessories that you only wear for the most special occasions? Or pieces that you wear every day, like wedding rings? There are options like Personal Property Insurance that picks up on coverage where Homeowners Insurance might end. If your property is damaged or stolen, Personal Property may actually pay actual cash value or replacement costs for your valuable property.

If this kind of coverage is something that you are interested in, it’s important to speak to an agent to create a policy that protects the ‘gold medals’ in your life. While you haven’t put in the years of training for that one moment of Olympics glory, you have put in many years of hard work to obtain your property.

Olympics

 

Make sure you are protecting the most important things in your life, whether they are your home, health and what you consider your gold, silver and bronze.

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Insurance, Movies, Life

As the winter months drag on, the snow keeps falling (and so does the temperature), one of the most reliable cold weather activities remains curling up on the couch and watching a movie. Whether you are watching the movie for the first time or re-watching an old favorite for the 100th time, a hopeful thought may appear … I hope that these people have insurance. Some kind of insurance…ANY kind of insurance. Because everything that possibly could go wrong, does. In most movies, though, there’s a happy ending but real life isn’t usually that easy. You need insurance to make sure you have a happy ending, too.

Since the holiday season just passed, the new Christmas classic, Home Alone, aired constantly on cable television. Within the first couple of scenes, you’re already hoping that the McCallister family are a smart bunch and are well-equipped with home insurance. The family home is being scouted by a pair of burglars who are aware that the McCallisters are leaving their home vacant for a period of time over the holidays. Not to mention, all the damage little Kevin manages while trying to protect his house. Who would have thought, but this movie provides a gentle reminder to insure your home for the expected and for the unexpected. Standard home insurance may cover a variety of incidents but it is important to talk to your insurance specialist about more specific coverage options.  Image

Now that all of the college-aged family members have gone back to school, are you feeling nostalgic for that more care-free phase of life? One movie that will give you a giant dose of college is the infamous, Animal House. For sure, it’s crazy and out of control but there’s some relevant scenes. But while watching the parties thrown by Delta Tau Chi, you know not a one of those fraternity brothers has renter’s insurance. The invitation to party can be open to everyone on campus (strangers!) which also opens up the possibility of damage to an apartment or the tenant’s personal belongings. Of course, accidents can even happen with a small group of friends, so it is important to have renter’s insurance for the big and small… “gatherings.” Having a Renters Insurance policy can pay for the cost of replacing your belongings if they are damaged or stolen.

Perhaps you’ve been daydreaming of warmer weather, of a time when you can go for a car ride, turn off the heat and roll down the windows. So, while you’re searching for a movie, the fast cars of Gone in 60 Seconds (the original OR the remake) might catch your attention.  The fast pace and beautiful cars might distract from the bigger issue for a while, but eventually, the plot will make you hopeful in the best interest of the people who own all those beautiful cars, (which are being stolen in such a timely manner): auto insurance: comprehensive coverage. (That looks like it could actually be the title of next summer’s blockbuster)!

In fact, if you view any action movie, the number of fender benders portrayed on screen should prompt any viewer to check and make sure their auto insurance has been renewed and updated. Accidents and other incidents are always possible when you have a vehicle. You need to have an auto insurance policy and again, it is important to speak to an asset protection specialist so they can prepare a plan that works best for you.

Movies are fun and entertaining, but they rarely make us think of what we would do in the specific and exaggerated situations that we’re watching. We don’t want to be in these predicaments but if we are, we know that we want to be covered. It’s January. It’s a time for renewal and it’s time to start the year off right. Get insured, stay insured and be the best insured you can be.