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Better lifestyle habits can help you
reduce your risk for heart attack. Learn
what you can do to help prevent heart
disease and stroke.
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Earthquakes occur regularly in
California. Experience has shown that
those who are prepared feel more secure
and are less likely to suffer injuries
and costly damage to their homes and
businesses. Earthquake preparation can
be a good family or community project. |
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Homeowner’s insurance generally covers
household water damage if the damage is
sudden and accidental, such as damage
caused by burst pipes. It does not cover
damage of the sort covered by flood
insurance (such as rising water from
outside) or damage caused over time by
lack of maintenance. |
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Long-Term Care refers to the type of
personal care services you may need if
you become unable to care for yourself
because of a loss of functional capacity
or cognitive impairment. Long-Term Care
services help a person maintain a normal
lifestyle, his or her ability to
function and perform normal daily
activities such as eating, dressing,
bathing and toileting. |
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 Online
fraud can take many forms, from
non-delivery of goods to non-acceptance
of returned goods. In many cases, online
fraud can be deterred by following a few
simple practices. Just like consumers
embrace measures to protect themselves
in brick-and-mortar stores, online
shoppers should consider sensible
precautions as well. |
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Halloween can be a fun holiday for kids,
but a worrisome one for parents.
Concerns about children's
safety--whether they are out in the
neighborhood or back home with bags of
booty--can darken the day more quickly
than a black cat. But not to worry!
Halloween can be a lot of fun for
parents and kids alike – if everyone
remembers the tricks and treats of
playing it safe! |
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 You
might think choosing a contractor and
creating a renovation plan are the two
most important considerations when it
comes to planning a home improvement
project. But if you have not considered
your insurance needs and made sure your
property is adequately covered during
the renovation process, you may be
putting your investment at serious risk. |
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Statistics indicate that three out of
four U.S. homes will be burglarized in
the next 20 years. According to the
Federal Bureau of Investigation, the
average property loss in a burglary
exceeds $1,000. Enhancing the security
of your residence is much easier then
you think. Keep in mind that the time
you spend now may save you thousands of
dollars in the long run. |
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If you
operate a home-based business, either
part-time or full-time, you may be
uninsured for coverage and not even
realize it. Many home-based business
owners mistakenly believe their
homeowner’s policy will provide coverage
for their business operations. While
your homeowner’s policy may provide a
limited amount of coverage for
business-related personal property in
the home, it may not provide full
coverage for the added property and
liability exposures the home business
represents. |
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Identity theft occurs when someone uses
your personal identifying information,
like your name, Social Security number,
or credit card number, without your
permission, to commit fraud or other
crimes. The FTC estimates that as many
as 9 million Americans have their
identities stolen each year. Chances
are, you or someone you know may have
experienced some form of identity theft.
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Insurance Fraud:
the intentional misrepresentation of the
material facts and circumstances to an
insurance company to obtain payment that
would not otherwise be made. Insurance
Fraud is an $80-billion crime annually.
Here are three of the most brazen,
tragic and just plain stupid scams from
the past year. |
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