Taking Care of Your Digital Self, Part 2: Credit Reports

Protect Your Credit Report

Checking your credit report regularly helps to ensure that someone else isn’t using your name to open credit cards, apply for loans, or start new utility services and leaving you to foot the bill. Fraud that impacts your credit report can decimate your credit and good standing, making future financial decisions even more complicated and costly. Read More

What is Your Home Really Worth… to You?

Homeowner's Insurance

As Property Values Continue to Rise, Insure That You Can Replace it!

If you are a home seller, you are no doubt aware of the significant increase in home values over the past seven years, if you are a homebuyer; perhaps this is not such great news for you. But if you have been happily living in your home with no intention of buying or selling, you may not realize that according to Zillow, the market value of homes in our area has increased by nearly 40% since 2012! While reconstruction costs differ considerably from market value, particularly for older homes, it is nonetheless important to periodically reassess the coverage you would need in the event that your home is damaged and you choose to re-build or destroyed and you elect to move on in today’s more expensive housing market. Read More

Taking Care of Your Digital Self: Intro

Taking Care of Your Digital SelfEvery day we follow little steps to take care of ourselves and make sure we stay healthy. We brush our teeth twice a day; go to the doctor for our annual check-up; see our hair stylist or barber regularly. We want to look and feel our best each day and for the long term. However, as our lives become more and more digital, we often ignore an important something that needs care as well: our identities. The old saying “an ounce of prevention is a worth a pound of cure” is true for both our physical health and digital lives. We need to manage our identities just as we would other aspects of our physical, financial and emotional health. Identity hygiene refers to ongoing proactive maintenance that individuals, families and organizations take to ensure that their sensitive information remains as safe as possible. Read More

Taking Care of Your Digital Self, Part 1: Passwords

The Importance of Passwords

Passwords remain the most common form of protecting accounts of all kinds and are incredibly important in maintaining good identity hygiene. An online survey recently showed that the average person has 27 unique logins that require a password. Possibly because we’re inundated with passwords at every turn, nearly 70 percent of Americans have given up on trying to secure them. One study showed that 80 percent of Americans over the age 18 use the same passwords across multiple accounts and that people shared their passwords with 2-3 people on average. So what can you do to up your password game? Read More

Prevent Car Break-Ins

Car Thief Trying Door Handle To See If Vehicle Is Unlocked

One of the most infuriating things that can happen to a car owner is one of the most common forms of larceny in the U.S., the “smash-and-grab” car break-in. These thieves don’t even steal your whole car, just the valuable items in it – which you then have to painstakingly replace while dealing with the arduous and costly car-repair process. Read More

Avoid A Deer-Car Collision

Cars passing a traffic sign for deer crossing in fog

How to steer clear of a common, large– and moving– hazard.

 

As the deer populations grow and urban habitats continue to encroach upon rural environments, there has been an increase in deer-car collisions—over half a million a year, with a significant number of fatalities. Read More

Fire-Up Your Wood Burning Stove Safely

Three flaming logs in a wood-burning stove

Accompanying autumn’s crisp days and evenings is the cozy scent of wood smoke curling up from chimneys throughout Aquidneck Island. But before you start your first fire of the season or if you are installing a new wood-burning stove, please read on for very important safety considerations. This article is designed to provide you with basic information on wood-stove safety, including tips on installation, venting, chimneys, operation, and maintenance. By following these recommended procedures and methods, you can safely and efficiently heat your home or business with wood. Read More

13 Halloween Safety Tips

Little girl having fun on Halloween trick or treat

Halloween is a night of fun and fright, but it does require extra caution when it comes to keeping your little monsters safe. According to Safe Kids Worldwide, “on average, twice as many child pedestrians are killed while walking on Halloween compared to any other day of the year, and more than 70 percent of accidents occur away from an intersection or crosswalk.” Follow these 13 Halloween safety tips to help avoid common accidents and dangers this Halloween. Read More

Protecting College Students from On-Campus Losses

Protect College Students from On-Campus Losses

Preventative measures, safety precautions—and the right insurance—can bring peace of mind.

With burglaries constituting approximately 50 percent of all on-campus crimes, it’s important for college students and their parents take steps to prevent theft, adhere to safety measures—and review their insurance coverage before heading off to campus this fall. Read More

How Hurricane Deductibles Work in Rhode Island

How Hurricane Deductibles Work

In Rhode Island, hurricane deductibles on homeowners policies may be no more than 5% of a home’s insured value. Some policies may offer a flat dollar deductible, but it may not exceed 5% of the insured value of the property. The deductible goes into effect when “triggered” by a hurricane warning from the National Weather Service (NWS) for the applicable parts of Rhode Island and remains in effect for 24 hours after the last warning. A loss is due to a hurricane when there are hurricane force sustained winds anywhere in the state other than Block Island, as reported by the NWS. If a policyholder experiences a loss from more than one hurricane in a calendar year, the insurer can apply the hurricane deductible only once. Insurers are required to post a notice containing all details pertaining to hurricane deductibles on the homeowners policy, including at least two practical examples of how they work. Read More

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