Christmas Family Risk Factors

Holiday and seasonal traditions can be fun but they can also increase risks. Be sure to play it safe this holiday season.

Festive candles and lights, electrical cords, trees and seasonal plants, and even baking and food serving activities all pose potential risks for injury or loss. Be sure you're being as safe as possible while enjoying your Christmas and New Year festivities!.


Often renters don't realize how beneficial an insurance policy that protects their valuables in a catastrophe such as fire or theft.

It is a huge mistake to assume that damage or loss of your property will be covered by a landlord's insurance policy!. Rental property owners commonly carry only enough insurance to repair or replace the building or structures. It is the renter responsibility to insure his or her own personal property..

infant car seat safety

The American Academy of Pediatrics (AAP) has updated its car seat recommendations.

The AAP has now stated that infants and toddlers should be kept in rear-facing car seats for “as long as possible.”

The AAP had previously recommended that all babies be transported in rear facing until at least two years of age. Their new stance is that babies should remain rear-facing until they reach the car seat manufacturers maximum height and weight guidelines, regardless of the child's age.


You might think a standard homeowners policy provides coverage for all your valuables, but most policies provide limited or no coverage for certain items — sometimes expensive ones.

If something catastrophic happened to your home (fire, tornado), would your insurance policy be enough to cover the cost of rebuilding it?


Hire the right contractor for the right job.

When you are planning a home renovation or improvement project, you should be aware that your contractor choice can be a critical part of the planning process. You definitely want to be sure of the quality of their work befrore they begin and have everyting you want done in writing and definitely agree on the scope and cost of the project. Another great idea is to be sure the contractor is properly licensed and insured just in case something goes wrong.

House Fire Insurance Replacement Cost

If something catastrophic happened to your home (fire, tornado), would your insurance policy be enough to cover the cost of rebuilding it?

If your home is not insured up to its full replacement cost, you might have to come out of pocket to build it anew! Depending on how much time has passed since you first insured your home, how many and what kind of improvements you've made over the years, you may not be insured adequately to cover the full cost of rebuilding.


It isn't uncommon to see people cheat their own retirement plan to provide for their kid's college fund.

Focusing on children’s college tuition needs and neglecting their own retirement is something many parents do. As parents, we are providing private school, automobiles, and basically supporting kids today. That shouldn't mean you don't plan to have a pleasant retirement. Howver, that freshman year budget can be on the doorstep a lot quicker than you expect, and it will not be denied! How in the world do people manage both of these obligations?