Daylight Savings Time

Wednesday, November 2nd, 2011 | Uncategorized | Comments Off

Don’t forget, daylight savings time ends this weekend!  Saturday night/Sunday morning at 2am.  Remember to set your clocks back an hour before bed! 

Motorcycle crash deaths dropped with the sluggish economy.

Wednesday, October 26th, 2011 | Uncategorized | Comments Off

The latest information and stats on cycle safety — See the statistics here:  http://www.iihs.org/research/topics/motorcycles.html

Child booster seat ratings

Tuesday, October 25th, 2011 | Uncategorized | Comments Off

Looking for the best booster seat for your 4-8 yr old? IIHS ratings show which ones provide the safest belt fit.  See the article here.

Halloween related damage?

Tuesday, October 25th, 2011 | Uncategorized | Comments Off

Basic safety steps & up-to-date insurance policies take some of the fright out of possible Halloween related damage -

Read the article here: http://www.iii.org/press_releases/your-insurance-policies-can-protect-you-if-you-get-more-tricks-than-treats-this-halloween.html

Patients using savings and borrowing to cope with financial impact of cancer

Monday, October 24th, 2011 | Uncategorized | Comments Off

Cancer patients are struggling to make ends meet, suggests a new survey from Macmillan Cancer Support.

The charity’s poll of 1,495 cancer patients found that more than two thirds (70%) had been affected financially by their diagnosis, through lost income and rising costs such as those incurred by travelling to hospital.

Read the whole article here.

Here are a few things to keep in mind when you’re insuring your stuff:

Thursday, October 20th, 2011 | Uncategorized | Comments Off

Check the limits of your policy on personal items, such as jewelry, silverware, furs and computer equipment. If the limits are too low, consider buying a special personal property endorsement or a “floater.” An endorsement is an addition to your policy. A floater is a form of insurance that allows you to insure valuable items separately. Make an inventory of everything you own in your home and in other buildings on the property. Write down major items you own along with all available information, such as (a) serial numbers (b) make and/or model numbers (c) purchase prices (d) present value (e) date of purchase. Click here for more on home inventories. Document your inventory. Take either still or video pictures and attach receipts to the inventory when available. Store the inventory and visual records AWAY from your home—perhaps in a safe deposit box. Update the inventory when you make major purchases.

Shoo the Flu! Seasonal Flu Vaccine

Tuesday, October 18th, 2011 | Uncategorized | Comments Off

Everyone who is 6 months of age or older should get a seasonal flu vaccine. The 2011-2012 flu vaccine provides protection against the three main viruses including the H1N1 virus.

Flu vaccinations are offered on a walk-in basis Monday, Wednesday, Thursday, and Friday from 8:00 am – 4:00 pm, and Tuesdays from 11:00 am – 7:00 pm . The Health Department is located at 510 29 ½ Rd. which is at the corner of North Ave and 29 ½ Rd.

Cost and Insurance
The cost of the injectable vaccine is $15.00.

Flu mist (intranasal) has been approved for healthy individuals ages 2 – 49 years and is $20.00.

We can bill Rocky Mountain Health Plans, Humana, Medicare part B, Railroad Medicare, Medicaid, and CNIC.

Adult Children Moving Home?

Wednesday, October 12th, 2011 | Uncategorized | Comments Off

Layoffs and a dearth of new job openings continue to add to the high rate of unemployment, leaving an increasing number of new college graduates and young adults unable to make ends meet. Left with limited options, many are moving back home with Mom and Dad – an increasing trend that creates important insurance consequences for these so-called “Boomerangers” and their parents to consider.

 A recent Pew Research Center study found that, in the past year, nearly 13 percent of parents with grown children have had at least one of their adult sons or daughters return home to live for financial reasons. Saddled with college loans and unexpected job loss, these young adults are forced to live at home until they can find a job and get their finances back on track.

 The Colorado Division of Insurance recommends that families who find themselves part of this new phenomenon consider the following:

 Review Your Insurance Policies

 A move back home provides the perfect opportunity to review existing health, home and auto insurance coverage for both parents and children to ensure it adequately reflects the new living arrangement.

 As part of the review process, families might find they can save money by combining existing insurance policies. For example, young adults renting before moving back home no longer need renter’s insurance; instead, they could potentially be added to the homeowners policy. However, they need to be sure that their parents’ homeowners policy has a broad enough scope to include them as “insured.” Additionally, young adults might need additional coverage if the move back home forced them to rent a storage locker for their belongings or if they have big-ticket items, like jewelry, expensive electronic equipment or other valuables that may require coverage beyond what their parents’ homeowners policy has currently.

 Auto insurance coverage is another important consideration. Does the young adult have his or her own car that needs to be added to the parent’s policy? Or does the young adult need to be added as another driver of an existing family vehicle? The good news is parents can keep any member of the family on their auto insurance policy as long as that person lives in the same house. But rates may increase, so parents should look for discounts such as those given for multiple vehicles, multiple policies (homeowners, life, health, disability), anti-theft devices and good driving records.

 Call us today to discuss your situation and determine what level of coverage your family needs

Homeowners and renters:

Tuesday, October 11th, 2011 | Uncategorized | Comments Off

Whether it’s gourmet cooking, designer handbags or high-end electronics, the investment Americans make in personal passions can have a profound impact on insurance needs.

But research suggests 48 percent of consumers do not have an inventory of their possessions. And of those who do, 32 percent have no photos and 58 percent have no receipts. Creating a simple home inventory helps you track exactly what you own and what it is worth, making important insurance decisions easier.

How to create a home inventory

• To begin your list, think about ‘celebration’ purchases such as jewelry and fine art, or family heirlooms or other collections. Also consider items related to everyday leisure time, from flat-screen televisions to custom guitars.

• Don’t forget items you use rarely such as holiday decorations, sports equipment, tools, etc.

• Pull together copies of original sales receipts and/or appraisal documents. Also note model and serial numbers.

• Group your possessions into logical categories, i.e., by hobby, by room in your home, etc.

• Carefully photograph or videotape each item, and document a brief description including age, purchase price and estimated current value. Download a home inventory checklist (PDF) .

• Store your home inventory and related documents in a safe, easily accessible place online, on your computer or in a fire-proof box or safe deposit box. Consider sharing a copy with friends, relatives and your insurance provider.
  • iPhone® users — NAIC’s free myHOME Scr.APP.book downloadable app lets you quickly photograph and capture descriptions of your possessions room by room, then store electronically for safekeeping.
  • Android® users — With the myHOME Scr.APP.book home inventory app you can quickly capture images, descriptions, and serial numbers of your possessions then organize the information by room or by category. The app even creates a back-up file for email sharing.

  A home inventory can be invaluable when deciding how much insurance coverage fits your life situation, and makes sure you are adequately protected should you need to file a claim.

School Zones!

Monday, October 10th, 2011 | Uncategorized | Comments Off

Just a reminder to be mindful when driving in school zones!  Penalties have increased this year from $120 and 1 point to $270 and 4 points!!