How Much Would A Flood Loss Cost You?

How much do you risk by not having Flood Insurance coverage?

Here’s a quick and easy little calculator from the National Flood Insurance Program which shows approximately how much it would cost you at any given level of flood water.

Your Homeowners or Property insurance policy

DOES NOT COVER FLOOD DAMAGE!

Everyone has a risk of flooding so call us Today for a Free Flood Insurance Quote! 

401-738-3366

 

8 Questions To Ask Before Buying Into A Senior Community

 Did you know that there are over 1900 Continuing Care Retirement Communities in this country?  Would you know what questions to ask before buying into one of these communities?  Recently, Forbes Magazine did and in depth article outlining the questions you should ask before you commit.  Click here for the full story

 Eight Questions To Ask Before Buying Into A Senior Community 

See Slocum Insurance for all your Life & Long Term Care Insurance needs!

Reduce Your Exposure to Home Burglaries

U.S. residences were burglarized more than 1.5 million times in 2008, according to the latest FBI studies. Nearly 65 percent of the thefts occur during the day because people are often not at home during the weekday. Proper home theft prevention ideas and techniques, however, can reduce the odds of a home burglary. Consider the following loss control techniques to reduce your chances of suffering a home burglary.
 Invest in a burglar alarm with a central monitoring station. Research indicates that homes without security systems are about three times more likely to be broken into than homes with security systems. If a burglar is aware that a home has an alarm, he or she is more likely to avoid that home.
 Property identification programs are another deterrent to burglary. Many of these programs involve the use of stickers on which your driver’s license number is imprinted. These are then placed (and become permanently imprinted) on all valuable personal property, such as stereos, televisions, and computers. This makes it more difficult for burglars to fence or pawn the property.
 Safeguarding dwelling components such as doors and windows make it tougher for burglars to enter the home. Many home security experts recommend all exterior doors be 1 3/4-inch thick solid wood, metal, or composite material. Strike plates on door jams are typically installed with 1/2-inch screws; however, these should be replaced with 3-inch long screws so that locked doors cannot be kicked in easily. Doors should also have deadbolt locks, with at least a 1-inch throw and a reinforced strike plate with 3-inch screws.
 Exterior lights with a motion-sensing switch should be installed; timers on lights are also recommended.
 Keep your garage door secure and locked even while you are home.

Copyright 2010
International Risk Management Institute, Inc.

Another Way Your Personal Information Can Be Stolen!

Just when you thought you’d heard it all.. here is another was your personal information can be stolen.. one that I certainly would never have thought of!

Police, medical records found on used copy machines
Almost every copier made since 2002 contains a hard drive, which stores a copy of every document the machine scans, prints, copies, or faxes. And if you need proof of just how dangerous this stored information can be, check out the following video from CBS News. . . But despite the sensitivity of the information discovered on the first three machines, it was the information on the fourth machine that they found the most disturbing documents. The machine, once used by a New York insurance company, contained “300 pages of individual medical records.” These records included “everything from drug prescriptions, to blood test results, to a cancer diagnosis.” Click to read entire article.

Don’t Risk Your Precious Vacation Dollars!

You just never know…. I mean you really never know what is going to happen next!  Just look at this, 

http://www.nytimes.com/2010/04/18/world/europe/18ash.html

Travelers across the world are stranded because of the volcanic eruption in Iceland, and many don’t have travel insurance.  Imagine if you had saved and planned and waited all year for that special vacation and suddenly, your flight is cancelled because of a volcano spewing ash somewhere in Iceland thousands of miles away!  Incredible!!

But did you know that there is insurance coverage out there that can help recuperate some of the monetary loss that results from nature’s fury when it ruins your vacation?  Well there is and we can help!  Just click on the “Online Quote” tab above and get a quote… it’s that easy!

Using Your Personal Car For Business

Do you ever use your personal car for business?

At any given moment in time, it is estimated that one-fourth of all vehicles on the road are involved in work-related travel such as running errands, making deliveries and visiting customers. Even if your employment does not directly involve driving, it’s fair to say that your vehicle can occasionally be involved as part of your employment.

This presents an important question:

If you are involved in an accident in the course of employment,

are you covered by your personal auto insurance policy (PAP)?

The answer is a “definite maybe”.

If you’d like to know more about the situations that can cause you problems, take a look at this article.

As always, feel free to call us 738-3366

and we will be happy to counsel you about your personal situation.