First Choice Insurance - Personal Protection

January 2010

Brought to you by First Choice Insurance

Take Steps to Winterize Your Home Now

When preparing for winter's arrival, most people immediately think of snow tires and protection from wet and icy roads. But what about your home? Although you may take great care in winterizing your car with snow-tires, anti-freeze, wiper fluid, flashlights and blankets, what kind of prevention have you taken regarding your house? If your home is not properly winterized, it can easily become a source of both property and liability claims. Take steps to bring your home up to par before the first snowflake falls. First, make sure your coverage is adequate to minimize the risk of a wintertime claim.
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Car Insurance 101 : Why State Minimum Coverage May Not Be Enough

No driver can afford to be without automobile insurance, but it can be difficult to know how much coverage you really need. These days most states require that all drivers purchase car insurance, and in states where coverage is mandated there is a minimum coverage threshold that must be met. Many drivers assume that this state minimum coverage is enough, but in many cases that level of protection is completely inadequate.
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Are You Liable? Protect Yourself from Home Worker Lawsuits

As the housekeeper is vacuuming your living room, she trips over one of your daughter's toys and seriously injures her back. While your neighbor's teenage son is mowing your front lawn, he steps in a large hole and sprains his ankle. Will your homeowner's insurance cover you if one of these workers decides to file a lawsuit?Many homeowners do not realize that they could be held financially liable if a maid, landscaper, nanny or another house worker were to suffer from an injury on their property. Here are some things you should keep in mind before you hire a home worker: Is that worker an employee or a contractor? When you hire someone to help out around the house, you should figure out whether he or she is an employee or a contractor.
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