Personal/Family Archives - Page 11 of 14 - Premier Insurance Services

Having a Baby? It’s Time to Renew All of Your Insurance.

Post author:Mark Kofalt
Post published:September 12, 2019
Post category:Personal/Family

Expecting a baby is one of the most joyous experiences in life. As you prepare your nursery, don't forget to talk to your insurance agent to make sure your coverage reflects the change in your growing family. Below are a few pointers. Health insurance Before your baby is even born, review your coverage and make sure you understand how your plan covers your new family member, as well as the mother's needs during pregnancy. Think about prenatal vitamins, prenatal screenings and neo-natal tests, delivery of your baby, and pediatric care for your newborn. Notify your insurance carrier. Generally, health insurance carriers ask…

Insure Your Classic Cars the Right Way

Post author:Mark Kofalt
Post published:September 9, 2019
Post category:Personal/Family

Insuring classic and specialty cars can be confusing for the first-time buyer, because how you cover the car depends on how you're going to use it. If you've never owned a classic before, you may not know the right questions to ask. But that's why we are here. Ask yourself if you would need any of these seven situations to be available from the company you insure your classic with: Being able to use your own mechanic for repairsBeing insured for what you feel the car's actually worthLiability insurance when participating at club eventsCoverage for damage incurred at car showsInsurance…

Stay Healthy with Home-Cooked Meals

Post author:Mark Kofalt
Post published:September 5, 2019
Post category:Personal/Family

Restaurant and other commercially prepared foods are notoriously high in fat, salt and sugar. These foods are fine as an occasional indulgence or for a special occasion, but usually not healthy as a regular diet. According to research, eating home-cooked meals leads to better health than eating out frequently. While that's not surprising, there are other benefits too: Better-balanced meals Studies have found that eating out will increase your calorie, sodium and fat intake by at least 50%, although if you only eat out occasionally, taking in that extra food is not going to throw your weight off the charts…

Bike Safety Tips for the Summer

Post author:Mark Kofalt
Post published:August 29, 2019
Post category:Personal/Family

WHEN THE weather warms up, people hit the roads and paths on their bikes. But for many people who don't ride often, they may make dangerous mistakes while sharing the road with vehicles. If a vehicle strikes a bicyclist, the ensuing injuries may be severe or potentially fatal. Most car vs. bike accidents happen during the spring and summer so it's good to understand the risks and how to prevent accidents. What bicyclists can do About 75% of bicyclists reported wearing reflective gear at night, and many reported properly following the rules of the road consistently in a survey. Follow…

How to Handle Water Damage to Your Home, Business

Post author:Mark Kofalt
Post published:August 26, 2019
Post category:Business Personal/Family

People often worry about fires damaging their homes and commercial buildings. While fires are dangerous and can cause extensive damage to property, they are rare compared to another element that is in the home or building every minute of every day: Water. Properties suffer water damage more frequently than they do other causes of loss. Water damage emergencies occur 14,000 times a day in American homes and businesses, according to insurance industry data. In comparison, fires occur in fewer than 3,600 homes per day, and burglaries occur 8,200 times a day. The basements in 98% of US homes will suffer…

Six Most Common Errors Medicare Enrollees Make

Post author:Mark Kofalt
Post published:August 19, 2019
Post category:Personal/Family Senior Care

Choosing the right Medicare plan is one of the most important decisions you have to make as a senior. Since there are hundreds of policies to consider when choosing, and an overabundance of information to plow through with each one, most people just get frustrated and guess when they choose a policy. But by taking that approach, they can end up hurting themselves by paying too much for a plan that does not cover their needs. These are the six most common errors to avoid when enrolling in Medicare: Signing up too late or too early The initial enrollment period…

The Keto Diet: Good or Bad for You?

Post author:Mark Kofalt
Post published:August 15, 2019
Post category:Personal/Family

Various fad diets come and go and the latest trend is the ketogenic diet - also known as just "keto." People who go on keto diets tend to drop weight pretty rapidly and the regimen has been linked to lower blood-sugar levels thanks to the absence of carbs - which are essentially sugars. The main thrust of the diet is that when your body doesn't have carbohydrates to burn for fuel it starts burning fat instead, which in turn produces ketone molecules. Once your body gets used to burning fat for fuel instead of carbs you've reached a "ketosis", when…

Affordable Insurance against Accidental Death and Dismemberment

Post author:Mark Kofalt
Post published:August 8, 2019
Post category:Personal/Family

No one likes to contemplate it, but accidents result in over 161,000 deaths per year in the United States. About 58.6 in every 100,000 individuals will die of accidental injury or homicide this year. Unintentional injury is the 5th leading cause of death in the country, according to the Centers for Disease Control. Of these, if past numbers hold constant, about 34,000 people will die in falls over the next year (10.4 per 100,000 persons), 40,327 individuals will die in traffic accidents (12.3 per 100,000) and 58,335 will die as a result of unintentional poisoning (17.8 per 100,000 people). About…