|
||||||||||||||||||
|
||||||||||||||||||
There it is in plain sight. Just look through your windshield on the driver's side. Your vehicle identification number (VIN) is there for anyone to see.
All a car thief needs to do is copy it down, go to a car dealer, request a new key be made giving your VIN, and get a key that opens your vehicle, and then drive it away.
To prevent this from
happening to you just cover the VIN with duct tape. You can't remove it
(required by law) but you can cover it up — safe from prying eyes.
Got
a new big-screen TV?
Or expensive computer?
You should check your homeowners policy.
It's NFL football season again and many are buying expensive big-screen TV's, high-definition TV's, and some are even getting plasma screens.
This trend towards
sophisticated and costly home electronics means that many are underinsured.
Homeowner policies have set amounts for personal possessions and limits
on electronic items like computer equipment.
A relatively inexpensive "floater" on your current policy can
remedy this.
This is also a good
time to take a home inventory of all your valuable possessions, furnishings,
jewelry, etc. What is the replacement value?
Additional coverage
does not cost much more. We'll be happy to help you get the additional
coverage, just contact us.
"Nobody in
the game of football should be called a genius. A genius is somebody like
Norman Einstein." — Joe Theismann
Is you son or daughter away at college?
When a child is away at college some insurance concerns are raised. Does your homeowner's policy cover their possessions? Is their car insurance affected?
Most homeowner policies cover their possessions if they live "on-campus" or in approved university housing. You should check your policy limitations on computers and other electronic equipment. You may need a personal property floater. And if your student has applied for "independent status" to get better rates on student loans, this presents another problem — they can't be covered by your homeowner's policy.
But if your child lives off-campus, your current policy usually does not apply. They will need renters insurance to cover theft, fire, and liability. Renters insurance is not very expensive and can protect against computers that "walk away." There are over 27,000 on-campus burglaries each year. Many occur during the holidays when no one is around.
Do they have a car at school? If the car is in their name, the insurance policy must also be in their name. If they are borrowing your car, they must be listed in your policy (some companies require them to be listed as primary driver).
If they are not taking the car and are on your policy, you may save money by taking them off the policy. Give us a call and let's discuss this. We'll be happy to check your homeowner and auto policies and help you determine what's right for you and your student. Just contact us.
"Fathers send
their sons to college either because they went to college or because they
didn't." —
L. L. Henderson
Insurance 101— replacement cost
This is the actual
cost at today's prices for replacing an item. Not what you paid when you
bought the property, no reduction for depreciation — but what it
costs now to replace it. If your home has appreciated in value (and most
have) you should check your policy to be sure your coverage is adequate
to cover the replacement value.
|
Are you using these dangerous products?
Great Outdoors "Horizon" Gas Grill |
Great Outdoors "Horizon" Gas Grills — Certain wind conditions can cause flashbacks and an uncontrolled flame. Model #'s GH450SBP and GH450XBP were sold at True Value stores. If you have one go to www.cfmcorp.com. |
Summit Gas Grill
 |
Summit Gas Grills — Made by Weber-Stevens — the 4-burner Silver series and the 6-burner Gold series with serial numbers starting with DT have defective thermometer components. Call Weber-Stevens at 866-249-3237. |
IBM monitor—G51 CRT and G51t models
 |
More IBM monitors recalled — G51 CRT and G51t models have a circuit board that can overheat and pose a smoke and fire hazard. If you have a G51 go to www.ibm.com/pc/g51recall to see if your model number is there. |
|
||||
|
||||
 |
