My Dog ate my Homework

Teacher my dog ate my homework

I'm a big believer in insurance.  Especially when it comes to LIFE Insurance.  I love talking about it, explaining it, learning about it and selling it!

If you like it you better put a ring on it...

Being in the industry, I know jewelry should be insured on a separate policy.  I don't have lots of Jewelry,  but every piece has a special meaning.  I've been married 23 years...Many memories. Some great, others so so.  Every piece reminds of the occasion and the life we've built.

Just another Blog

If I haven't bored you, and you're still reading, it may seem like just another blog, but keep reading, it gets a little better.  Tuesday morning I went to 711 before work, got a  cup of crumbcake coffee.  Yummy! This was a special treat.  I usually drink Keurig at the office.  After a long day at work, on my way home I stopped at Meat Farms for a quick food shopping.  Get the picture... a normal day.  When I got home, I glanced at my hand and my Diamond Anniversary band was gone.  In a fraction of a second, I was filled with an overwhelming sense of  loss, panic and despair.  You'll never understand the felling until you've experienced it.  I looked for my ring for hours, I drove back to Meat Farms, I called 711.  I tried thinking back to where I could have lost it, retraced my steps.  And cried.  I knew in my heart the ring was gone. Still, the next day, I looked in the parking lot at work,  in the office, through my trash. In the recycling bin.  I just knew it was gone.  Thankfully for me, this story has a happy ending.  This morning, while I was packing my lunch for work, my dog Meeko was playing with the ring on the floor.  I don't know how I lost it, and I don't know how my dog got a hold of it.  It's a miracle.  I can't wrap my head around it.  I'm just happy to have it back.

I told you so

The moral of this story is I should have insured the ring on a separate policy.  Yes jewelry is covered under my Homeowners policy.  But there's limitations, and I have a $3000 deductible.  I'm in the industry, I know this. Anyway, I would never have filed a Homeowners claim for lost Jewelry.  Yet I never got a Personal Articles Policy.  It's separate protection just for your valuables. With a low or no deductible.  An affordable peace of mind to have coverage on your valuables.  Depending on how much Jewelry you have, it's probably about $100 for the year.

Teacher I learned my lesson

I made an appointment to have my jewlery appraised and I'm writing my own Personal Articles Policy.  I know it's easy.  I just need to show the appraisal and pictures.  I'll have insurance and peace of mind.  I never want to have that helpless, sad sense of loss.  And I'm telling this story to every customer that buys Homeowners Insurance.  A simple, inexpensive way to insure your jewlery.

[Hugs]

Teresa

Bob the Builder

I'm always careful

If you're entering someone's house or place of business you're putting yourself at risk simply by being there.  A small  job can cause thousands of dollars worth of damage. Among other things, Liability insurance  takes care of legal fees.  Protecting  you from a loss that could put you out of business.

Types of business insurance

Property insurance -  covers your building, equipment or inventory.

General liability insurance / Business Owners policy - pays for your  defense if your service causes damage or harm. It can also cover medical bills to others.

Workers compensation - is required in NY if you have employees. It provides coverage for employees who are injured on the job.

Commercial auto insurance - depending on type of vehicle and if driven for business use.

Commercial Insurance Premiums Up in April

Teresa 

The C Word

Fight the C word One Step at a Time

Beast cancer is caused by cells in the breast that become abnormal and multiply forming a tumor. 1 in 8 American women will develop Breast Cancer.  While we can't walk in their shoes we can help fight Cancer one step at a time.  

Spread the word about Mammograms  

Early detection saves lives. There's a  better chance to fight Breast cancer if found early and treated.

Find a cure

Help bring awareness to cancer research and raise awareness about the importance of screening and the early detection of breast cancer.

Families Walk and Run for Hope. 

Saturday May 6th. 

Support Stephanie's Bosom buddies.  Walk and Run or click below to donate.

Stephanie's Bosom Buddies

All money raised goes to the Fortunato Breast Health Center at Mather Hospital. "Together we are educating our community about breast cancer one step at a time"


FU Breast Cancer
[Hugs]
Teresa

R2D2

Robots Vs Humans

You think it's frustrating talking to a person in a call center?  If  you're insured with GEICO or Allstate, within 3 years you'll probably be talking to a robot.  These companies have invested in Artificial Intelligence.  Google and Amazon are helping spread the word about virtual assistance and this technology is reshaping how some companies do business.  Soon when you call to make payments or ask coverage questions you might find yourself talking to R2D2.

 Insurance Journal

Insurers choosing Robots over Humans for Customer Service.  

click here

Smart Home

Products like Nest and Amazon Echo have become common household names but customers are also looking for smart air purifiers, heating systems, alarms and even smart coffee machines.
See article Click here

Smart Cars

Who pays for damages when a self driving car is in an accident?
Probably the manufacturer🤷🏻‍♀️  See article click here

[Hugs]

Teresa

Every Bunny needs Insurance

Claim Happy

You probably don't want to hear this but the truth is, if you don't want to pay more for insurance, don't be claim happy.  If the price to repair is close to your deductible, don't file a claim.  Having no accidents/claims for 3 years gets you a better rate - insurance companies like low risk drivers. [sorry]

Property Damage

If you are rearended, the other driver is at fault, file what is called a "Property Damage" claim directly with the other driver's insurance company to repair your car.   This way you don't have to lay out a out of pocket deductible. 

On-line Defensive Driving Courses

Taking the Defensive Driving course saves 10% on insurance for 3 years.  On-line 6 hour courses are usually more affordable and you can take up to 30 days to finish.  Here's a link to NY approved Defensive Driving Course providers.

DMV approved Internet courses

Multi-Line

If you bundle all your insurance with the same company you get Multi-Line discounts saving you up to 25% [nice].

Every Bunny needs Insurance...Happy Easter💕

[hugs]

Teresa

U Drive. U Text. U Pay.

April is Distracted Driver Awareness Month

On Any Given Day

82% of 17 yr olds own a cell phone and 34% of those say they've texted while driving.

Sending texts, taking your eyes off the road for just 5 seconds, at 55 mph, that's like driving the length of a football field with your eyes closed.


On any given day over half a million drivers are using cell phones while driving. [scary]
Teen drivers are the largest age group reported as distracted at the time of fatal crashes.

Safety Awareness

Protect lives by never texting while driving.  Speak out if the driver is distracted and encourage friends and family to just drive.  Help protect lives by taking the pledge to end texting while driving.

Take the pledge #Just Drive

I pledge to Just Drive for my own safety and for others with whom I share the roads. I choose to not drive distracted in any way – Click on link below to take the pledge.

Distracted Driver Pledge

Distracted - not just Texting 

Applying mascara while driving makes you three times more likely to be in a car accident.

[hugs]

Teresa

Obamacare ... I care

Hospital indemnity ... not Health Insurance but makes it better

It pays a set amount per day or per visit – if you're confined to a hospital bed or visit the ER.  Health Insurance pays for medical services.  Hospital Indemnity pays you.  It helps pay copays and pays you for emergency room visits or unexpected Injuries.

Affordable Care Act - Will the number of choices drop?

If choices drop premiums may increase.  This may increase your deductible.  Hospital Indemnity would help meet your deductible and unexpected expenses.




Ever got paid for just laying in bed?

Imagine missing work because your child got hurt playing hockey.  You have Health Insurance and that's great - It'll cover the ER visit.  But Hospital Indemnity pays you money for the visit to the ER.  And if you get admitted, it'll pay for each day you're in the hospital.  The money can go towards other bills, or to upgrade to a private room in the hospital.  It can be used for copays or other bills.  Parents with kids in sports know Hospital Indemnity  policies make up for the annoying ER visits.





It's not Health Insurance but makes it better 

It's supplemental and the cost is usually under $20 per month ... totally worth it.
A 3 day stay in the Hospital pays you $720.00.  Not bad for just laying in bed.

        
Teresa