Tag Archives: snoring

The 5 Best Baby Sounds

Keeping it light today, the following are my favorite sounds that babies make. I keep watching my nephew who just turned 10 months old and who is so determined to walk. It won’t be long before he leaves babyhood behind and embraces being a toddler fully. It brings back memories of when my midget was that little and I miss those days. So without further ado: Baby snores – the little sounds of their whiffed breathing when they are asleep. When my daughter was very tiny, she had laryngeal malasia and she used to make little whistling noises when she … Continue reading →

Insurance Appraisals

Overstated, over valued and false appraisals contribute to billions of dollars every year in fraudulent personal property claims. Insurance claims fraud is a real problem for both consumers and insurance companies. Insurance companies have become more concerned about the accuracy and competency of, jewelry, fine art and special personal property appraisals. Appraisals for jewelry, fine art, and collectibles should outline the compensation a policy holder will receive in the event of a loss. Appraisals also help the insurance company rate the risk and qualify it for insurance coverage. An insurance appraisal should also: Prove you own and you are in … Continue reading →

Pool: In Ground or Above Ground

Having a pool in your yard is a luxurious way to celebrate the summer. Pools offer a cool paradise in especially hot climates. They offer a nice centerpiece to an evening cookout. And they are an unbeatable entertainment system for children of all ages. If you are considering investing in a pool, but you are not yet sure whether you want to invest in an above-ground or in-ground pool, here are some notes to help you make your decision. Above-ground Pros There are many pros to investing in an above-ground pool. For starters, they are less expensive, less costly on … Continue reading →

Is Your Engagement Ring Insured?

Most people are surprised to learn homeowner’s and renter’s insurance policies don’t offer full coverage for their engagement rings or other fine jewelry. The standard homeowner or renter insurance policy usually covers jewelry theft, but not other kinds of loss. Homeowner and renter policies typically have limits for loss of some types of personal property, jewelry is one of them. The standard homeowner policy will have a set maximum limit and will usually only cover theft. If the value of jewelry exceeds coverage limits, you need to make some choices on how to manage the other risks. If you have … Continue reading →

Earthquake Insurance

The standard homeowner insurance policy doesn’t cover earth movement claims. An earthquake might be the first thing that comes to mind when someone thinks about earth movement, but earth movement includes, landslides, mudslides, mudflow, sinkholes or other movement of the ground involving sinking, rising or shifting of the earth. In most homeowner and renter policies earth movement is an excluded loss and means claims aren’t covered unless the policy holder adds an endorsement for earthquake coverage. It’s up to the consumers to decide if their own situation requires an earthquake insurance endorsement. Earthquake insurance usually excludes any losses caused by … Continue reading →

Are You Ready to Celebrate the Fourth of July?

It’s that time of the year! The big barbecue in the backyard and fireworks at dusk party! Are you sure you are ready to assume the risks and liability of a firework related loss? Fireworks that leave the ground or blow into pieces are restricted in some states and legal in others. So-called “safe” fireworks such as sparklers and smoke makers have risks. Embers from any firework can cause fires and bodily injuries. Your fireworks may cause property damage and bodily injury to neighbors or guests at your party. Homeowners may assume they are covered for any accident that occurs … Continue reading →

Backyard Trampolines May Lead To Cancelled Homeowner Insurance

A trapeze artist named Du Trampoline created the first trampoline in the 19th century by using the safety net as propulsion and landing device according to circus lore. In 1936 George Nissen invented the trampoline as we know it today. During the 70-year history trampolines have been used for training of the U. S. Navy Flight School, astronauts and in several other valuable ways for training. Fitness experts, agree the trampoline can be a valuable part of a fitness program, because of the cardiovascular benefits, low impact, and for building muscle. The first trampoline gymnastics event made its Olympic debut … Continue reading →

Motorcycle Insurance Basics

Summer is here and it’s the time of year many families break out the motorcycles! Weather you are just the weekend rider or a hardcore biker insuring your motorcycle can be a frustrating process because many insurance carriers don’t offer motorcycle coverage. It’s important to understand the coverage’s, conditions and exclusions of any motorcycle insurance policy your auto insurance company may offer. Many people assume their motorcycle insurance policy covers all the same things their auto insurance does only to find out at the time of a loss that some kinds of claims are not covered or not covered the … Continue reading →

Pet Health Insurance, Good Deal or No Deal.

If you’ve taken your beloved family pet to the vet lately, chances are good that you came home with sticker shock along with your bundle of fur! With all of the advancements in medical treatment and screening veterinary service costs have become a real investment for families interested in giving Spot or Fluffy the best! One way to help families cover the costs of veterinary bills may be pet health insurance. An insurance program that many people may have never heard of before, pet health insurance has been around for awhile, but is gaining popularity as vet bills continue to … Continue reading →

Mortgage Insurance

Mortgage insurance is a part of buying a home but it can all be a little confusing, which is why we have provided some easy to follow information for you. Lender Paid Mortgage Insurance Also called LPMI, this type of insurance is when the lender buys the mortgage insurance and then pays the premiums to the insurer. However, the lender increases the interest rate to pay the premiums. However, LPMI can also reduce settlement costs. Private and Government Insurance If your mortgage is backed by the government, that means the Federal Housing Administration or FHA, Department of Veterans Affairs or … Continue reading →