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Essential Insurance for Your College-Bound Teen

Before your child hits the dorms, kit them out with essential insurance. Growing up is a part of life. Going to college is an experience for any teen. For the parents, it can either be newfound freedom or constant worry. Whatever feelings you have about your child heading off to college, every parent will want to make sure that they’re safe. A reliable form of protection is insurance. Before you start moving in boxes of valuables into their dorm, update your college kid’s insurance! Property You can start be contacting your insurance professional to find out how much coverage your homeowners or renters insurance policy will provide for your child’s personal possessions if they are living in a dormitory. If they are living off-campus, then you can look into purchasing a renters insurance policy. Make a college inventory. Always make a college inventory list so that you and your student know exactly what items ... Read more

Life Insurance: What Am I Paying For?

Life insurance is a valuable insurance policy – even though it may not always feel like it! Does life insurance feel like a weighty outgoing each month, rather than a good value investment? After all, unlike a house or car, you’re buying peace of mind—rather than something you can physically touch. Premiums can increase over time and seem to fluctuate more than you’d like them to. A life insurance policy is designed to maintain your family’s finances when you are no longer there to do so. From paying funeral expenses, remaining debt, and your child’s college fund, life insurance is a policy that wholly supports your family. What makes life insurance premiums rise? Put simply, as long as you pay regular premiums to a life insurance company, then the policy should guarantee to pay out a sum of money if you die within the term of the policy. In essence, the greater your risk, the ... Read more

Do “Empty Nesters” Need Life Insurance?

Leaving parents home alone, protected. Kids gone off to college? Downsized into a smaller house now your children have moved out? There are many reasons why the children flee the nest, leaving parents feeling the ‘empty nest’ syndrome. Many parents wonder if life insurance is needed, now that their children have left home. The answer is – quite possibly! Here are 5 reasons why you should still own life insurance: To meet goals If your children are in college and are not completely financially independent, life insurance can help. From kids’ college tuition and living expenses, to payments for the surviving spouse and children, finances can be aided. To create a financial “safety net” Emergency funds help in the event of a unplanned financial payment, so if a household doesn’t have an emergency fund, the post-death family will be even more financially vulnerable without one. Furthermore, it might also be somewhat more difficult for the ... Read more

Expecting Holiday Visitors? Keep These Tips In Mind

Help keep the peace at your house during the holidays with these tips. The holidays tend to come with house guests. While having your friends and family stay with you can help you squeeze in as much quality time as possible, it can also lead to some stressful situations. To help make all your holiday visits more enjoyable, keep these tips in mind. Mom and dad – parents love to use the holidays to spend time with their adult children. Now that you are an adult, it can be difficult to watch your parents come into your house and start cleaning or making some repairs. Instead of starting an argument, laugh it off and welcome the help. Keep in mind that no matter how old you are, you will always be your parent’s child, and they will also want to help. In-laws – even if you have a great relationship with your ... Read more

Protecting Your Home Against An Earthquake

Safeguarding Against A Quake The state of California is no stranger to earthquakes. We face the very real possibility of the ground quaking because we live on a fault line. All California residents know that while we get beautiful weather year-round and access to great cultural opportunities, we pay the price with our earthquake risk. Are you familiar with how to protect your home against the ground’s shaking? Here is a quick guide to doing what you can to make sure your house is earthquake ready. Anchor any large bookcases, filing cabinets, water heaters, and other large and heavy furniture and appliances to the walls. Install ledge barriers on all of the shelves in your home. Move heavy items to the lowest levels possible to minimize falling dangers in the event of an earthquake. Affix small appliances to your countertops and computers to their desks or tables. Put latches on your cabinet doors to keep ... Read more
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