Sunday, June 30, 2013

Boat Theft

Don't help boat thieves steal your boat! Always lock your boat and take the keys with you, according to the Insurance Information Institute. Boat theft is big business says Robert Bryant, Institute for Business and Home Safety. Thousands of boats are stolen every year and half of them are recovered. Marine police says that leaving keys in the boat is the biggest mistake boat owners make. So if you like your boat, and most boat owners do, lock it and take your keys with you.

Thursday, June 27, 2013

Inline Skating Safety

The most serious crashes involve cars, drivers can't stop fast enough to avoid skaters in the road. Others happen when skaters fall and often result in a wrist injury. Instructor Krista Heubusch says accidents happen because people fail to take a lesson and learn how to do it properly. In addition, they don't wear protective gear. Dr. Tillman Jolly, emergency room physician, says the most lethal type of injury would be a head injury and says wearing a helmet is a good idea for anyone new to the sport. Ann Brown, Consumer Product Safety Commission says always wear protective hear, helmet, gloves, wrist, elbow and knee guards. This video is from the Insurance Information Institute.

Monday, June 24, 2013

Road Rage

The American Automobile Association (AAA) has released the results of a nationwide survey of drivers which asked how they feel about tailgating, making rude gestures, and passing on the right. Whey the survey revealed is that aggressive driving means different things to different people. Carolyn Gorman, Vice President, Insurance Information Institute, says that people's perceptions of your driving can trigger an aggressive driving incident. The National Highway Traffic Safety Administration (NHTSA) says people can protect themselves from aggressive drivers by remaining calm. NHTSA recommends you leave a lot of travel time, look for alternate routes if there is a lot of traffic, and learn to be late. Lon Anderson, American Automobile Association says those surveyed list tailgating, passing on the right and making rude gestures as classic examples of aggressive driving.

Friday, June 21, 2013

Loretta Worters, Employer Sponsored Pet Insurance, WCBS-TV

Loretta Worters of the Insurance Information Institute interviewed in this story about a rare and new employee benefit--pet insurance. With expensive vet bills straining some pet owners and deterring others from seeking treatment for their animals, pet insurance can save a pet owner hundreds or even thousands of dollars.

This new perk comes with some guidlines though, so it's important for pet owners to read and know all the exclusions such as types of treatment and limits on breeds.

Tuesday, June 18, 2013

Homeowners Insurance and Swimming Pools - What You Need to Know

Owning a pool can be a fun and rewarding investment but pools are considered "attractive nuisances" to homeowners insurance companies. It's important to understand all the costs associated with owning a pool outside of installation, maintenance, and heating. Regardless of whether or not it's in use, your pool is always sitting there year around waiting for potential incident to occur and because of this you will find that homeowners insurance rates are significantly higher on homes with pools.
Also, with the recent increase in foreclosures nationwide many pools are becoming a huge burden on local wildlife departments who are having to deal with pools infested with all sorts of various animals and insects. Homeowners insurance companies have taken note of this and this to may lead to higher premiums going forward as well.
There are many factors that will affect your homeowners insurance premiums when you own a pool and they include:
o Where You Live - Areas in the Southern US tend to pay lower premiums for pools because a pool in the warmer climates will tend to be better maintained and serviced all year long. The farther north you go the more homeowners insurance companies will penalize you for owning a pool because they may view it as unjustified to do the colder climate and that the frozen ground from winter weather can damage in-ground pools.
o The Piece of Land you Build it On - If your pool is built near a fault line, forests, mountains, or desert terrain, you will most likely pay a higher premium.
o Keep the Pool in the Backyard - Homeowners insurance companies view pools built in the backyard as being much safer than those in the front. Pools built in the front yard can potentially attract unwanted attention from people passing by and could lead to unauthorized use or abuse of the pool.
o How to Reduce Your Homeowners Insurance Expenses - If you choose to build a pool, have one now, or are buying a home with one, read the tips below for some common ways to lower your premiums.
o You should discuss with your homeowners insurance agents any recommendations your insurance company or local government safety offices have about building or maintaining a pool, and any local safety codes that you must follow.
o Always make sure your pool is attended at all times and that includes not swimming alone yourself.
o Installing a fence around the pool to keep unauthorized people from using it is another way to save on your premium.

Article Source:

Saturday, June 15, 2013

Summer Insurance Tips

As a responsible home and vehicle owner, you know that taking care of your car insurance and home insurance is top priority. Individuals that choose to "save money" by failing to purchase home insurance or worse, illegally driving without car insurance, are quick to find the cost of insurance is far less than the cost of replacing an vehicle or dwelling when misfortune strikes. Although months and even years (for the lucky ones) may pass without incident, living without insurance means living under a constant cloud of worry and fear.
If you are among the millions that have made the responsible choice to purchase insurance, congratulations. You are on the right track. Having insurance gives you peace of mind during your day to day activities. However, what about when you are away from your home for an extended period of time or if you are using your vehicle for a road-trip? A few simple steps are all that is required to help reduce the risk of loss or claim while you are away on vacation.
  • Plan for someone trustworthy to check your house and yard every day and to pick up your mail and flyers. (For extended trips, suspend your paper delivery.) Have this person walk through your home periodically to check for sign of weather damage, attempted entry and water leaks.

  • If all possible, turn off the water to your dishwasher & washing machine to avoid any unnecessary water damage. Prior to your vacation, have an inspection done on your water heater if it is over ten years old.

  • For protection from power surge damage unplug major appliances, TV's, computers, microwaves, etc.

  • If you are taking your vehicle on vacation with you, check your auto insurance policy to ensure you are up to date and aware of your coverage and deductibles. Take your vehicle in for a spring tune up as our harsh Canadian winter can take its toll. Check the tire wear, electrical, proper functioning of horns, lights and other safety features. The last thing you want is to have vehicle trouble while on a road trip. Not only does tuning up your car before a trip greatly reduce the chances of having an incident, it will also extend the overall life and durability of your vehicle.

  • Bringing out your trailer and hitting the open road in the summer is exciting. Does your auto insurance extend to your trailer? Make sure you have the proper coverage for your trailer. Give your trailer a good walk over to note any areas of concern and ensure you do not forget to have your bearings and electrical checked annually by a professional.

  • Do not leave your vacation trailer or motor home parked on your property for days prior to leaving. The savvy intruder will notice when it is not parked out front, signaling an opportune time for entry into your empty home. Go a step further in discouraging thieves by having your lights and radio set on an automatic timers so it appears that you are home. Closing all window coverings on all the floors of your home keeps them guessing if the home is inhabited or not, which is a major deterrent for the burglar.

  • If your vacation leaves a vehicle at home, purchase a safety device to lock the steering wheel, while you are away.
Thanks to your many affordable insurance options, you can go about your daily duties and your summer vacations without the dread of accidents or break-ins. While these unfortunate things do happen from time to time, taking precautions, like the ones listed above, and making sure your car insurance and home insurance covers your needs and remains up to date is all it takes to enjoy the priceless feeling of having daily peace of mind.

Article Source:

Wednesday, June 12, 2013

How Can Children Avoid Dog Bites

There are 4 million dog bites each year and 60% of the victims are children. Dr. Leslie Sinclair of the Humane Society of the U.S. says children often don't respect a dog's boundaries—they expect every dog to be friendly, and although most are some aren't. Dr. Tillman Jolly, an emergency room physician says he sees injuries every year because children often do things that they don't realize are annoying to dogs. The Insurance Information Institute cautions that parents should teach their children not to approach an unknown dog. Allow dogs to sniff you before petting them, never disturb a dog that's eating, sleeping or caring for puppies, don't try to run from a dog, and if one is chasing you, stand like a tree or look like a log. Insurance companies paid out $3.5 billion in claims in 2006 for dog bite claims.

For more information about insurance, go to the I.I.I. Web site at

Sunday, June 9, 2013

Jeanne Salvatore, Falling Asteroid & Homeowners Insurance on CNBC

Jeanne Salvatore of the Insurance Information Institute on Squawk on the Street talking about how homeowners insurance covers and protects people from damage caused by falling objects.

Thursday, June 6, 2013

Finding a Lost Life Insurance Policy

This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Web site at

Monday, June 3, 2013

Lynne McChristian, Settling Flood Claims, ABC

Lynne McChristian of the Insurance Information Institute on ABC interviewed on the details of flood insurance. A basic homeowners policy never covers a person for flood damage so additional coverage must be purchased to ensure the protection of one's home and belongings.