Personal/Family Archives - Page 9 of 14 - Premier Insurance Services

Preparing a ‘Go-Bag’ in Case of Disaster

Post author:Mark Kofalt
Post published:January 30, 2020
Post category:Personal/Family

As natural catastrophes continue growing in number and severity, everybody should be prepared for quick evacuation in case of emergency. Even if you don't live in an area known for natural disasters, you should always be prepared in case you have to make a sudden evacuation. While there is only so much planning we can do for this type of event, at the very least you should consider packing a "go-bag" of emergency supplies that can help keep you safe while finding a place to retreat to. When you need to leave in a hurry, depending on how much time…

The Future of Insurance with Smart Cars

Post author:Mark Kofalt
Post published:January 23, 2020
Post category:Personal/Family

With more cars connected to the web, helping us navigate, talking to other cars as we zoom down the road and sometimes even driving for us, it won't be long until our autos can also make an insurance claim for us after an accident. Consider that more cars are being built with sensors and technology that allows them to communicate with external parties. It's not hard to imagine that the car could communicate immediately with emergency services and your insurance company if there is an impact. The emergency authorities could be notified in real time with detailed information about the…

8 Insurance Cost-Saving Tips for 2020

Post author:Mark Kofalt
Post published:January 13, 2020
Post category:Personal/Family

As 2020 gets underway, now is a good time to review your home safety and insurance plans for the year. Make sure this year that you make your home safety a priority, and also ensure that you get the most bang for the buck with your insurance coverage. You can follow these tips: Home security system If you don't have a home security system, you should seriously consider getting one to protect your hard-earned assets and home investment. The good news is that if you get one that is monitored by a central station, or that is tied directly to…

Tidying Up Your Home Can Reduce Claims, Homeowner’s Premiums

Post author:Mark Kofalt
Post published:January 3, 2020
Post category:Personal/Family

The latest trend in home care is tidiness thanks to the hit Netflix show "Tidying Up," with host Marie Kondo. By taking her advice on decluttering you will have a tidier looking home, but it can also mean a safer home, keeping your entry points accessible, helping you identify hazards or problems that need fixing ― and even get you a reduction on your insurance premiums. You can also take the time to do some other home maintenance that can reduce damage from an emergency, such as: Ensuring your alarm systems are all working.Fixing poorly lit walkways or walkways that…

Homeowner’s Liability Goes Beyond Your Home

Post author:Mark Kofalt
Post published:December 16, 2019
Post category:Personal/Family

One misconception about homeowner's liability insurance coverage is that it only covers incidents in the home. In fact, the coverage under the comprehensive personal liability portion of your homeowner's policy is not limited by location. It is, however, limited by the liability caps on your policy. We can show you where that is stated. Here are some examples of what likely would be covered by the personal liability portion of your policy: Sports incidents. For example, you are playing golf and you drive a ball that hits someone in the head. They require immediate medical attention, which causes them to…

Delicious Foods That Fight Diseases, Promote Health

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

While you should exercise to take care of your health, what you put into your body can have a great impact on how you feel and your overall general health. And as part of your efforts to stay healthy, you're also trying to stave off diseases, like heart disease, cancer and other issues that unhealthy foods can help usher in. WebMD recommends that you incorporate these foods into your diet for their many health benefits. Berries - These delicious little numbers contain antioxidants that help neutralize "free radicals" (cell-damaging molecules) that can lead to chronic diseases, including cancer and heart…

Tidying Up Your Home Can Reduce Claims, Homeowner’s Premiums

Post author:Mark Kofalt
Post published:November 20, 2019
Post category:Personal/Family

The latest trend in home care is tidiness thanks to the hit Netflix show "Tidying Up," with host Marie Kondo. By taking her advice on decluttering you will have a tidier looking home, but it can also mean a safer home, keeping your entry points accessible, helping you identify hazards or problems that need fixing ― and even get you a reduction on your insurance premiums. You can also take the time to do some other home maintenance that can reduce damage from an emergency, such as: Ensuring your alarm systems are all working.Fixing poorly lit walkways or walkways that…

Seniors Flock to Four-Star Medicare Drug Plans

Post author:Mark Kofalt
Post published:November 14, 2019
Post category:Personal/Family Senior Care

Medicare enrollees are flocking to Medicare Part D prescription drug plans with ratings of four or higher, according to a new report by the Centers for Medicare and Medicaid Services (CMS). The report found that the percentage of Medicare enrollees in four-star Part D plans for 2020 will grow to 27.6%, compared with just 3.5% in 2019. Likewise, the percentage of Medicare enrollees in four-star or greater Medicare Advantage Part C plans with prescription drug coverage will grow to 81.1% in 2020, from the current 75.3 % (the figure was just 69% in 2017). The average rating of Part D…