EHD News You Can Use

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Personal Insurance News

Up in Flames: Preventing and Understanding House Fires

Each year more than 3,275 people die and 15,575 are injured in home fires in the United States. To protect yourself, it is important to understand the basics about house fires. Fire spreads quickly; there is no time to gather valuables or make a phone call. In just two minutes, a fire can become life-threatening. …

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The “Must Knows” about UM and UIM Coverage

Unfortunately, many people wrongly assume that auto and umbrella insurance policies will provide reimbursement for all aspects of an accident on the road. Instead, both of these policies cover your own liability and provide compensation to others in the event that you are responsible for an accident. However, if another driver causes an accident and …

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Must-Know At Home Fire Safety Tips

The place where many Americans feel safest—at home—is the same place with the greatest risk of fire. Nearly 80 percent of fire deaths in the United States each year occur in the home. The best way to practice fire safety is to make sure one does not break out in the first place. This means …

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How to Insure a Second Home

If you’re investing in a second home, there are some insurance basics that will help you make the best buying decision when it comes to determining insurability and estimating your ongoing cost of ownership. It can cost more to insure a second home than to insure your primary residence. Premiums are based on a variety …

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7 Keys to Shopping for Auto Rates

Learning about how automobile insurance rates are determined will help you to navigate why rates vary and assist you with your auto buying decision. Factors that impact auto rates include the following: Age of Insured Driver(s) – Young drivers under the age of 25 are statistically up to four times more likely to be in …

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The 5 Keys to Preparing for a Flood

Did you know: According to the Federal Emergency Management Agency (FEMA), floods are one of the most common disasters in the United States? Even small streams, gullies, creeks, culverts, dry streambeds or low-lying ground that appear harmless in dry weather can flood. Plus, it only takes an inch or two of water to cause major …

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Flood Insurance for Home Owners: What Protection Does it Offer?

A standard homeowners policy does not cover damages from flooding. A separate flood policy is needed to cover losses to your property caused by flooding, which provides coverage for things such as: Structural damage Furnace, water heater and central air-conditioning Flood debris clean up Electrical and plumbing systems Cost of Coverage As a homeowner, you …

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