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Do You Need a Flood Insurance Endorsement?



After the last few years of weather here in the Midwest, it is no surprise that flood is the top natural disaster in the United States.  Unfortunately, most homeowners insurance policies exclude flood coverage.  The Insurance Information Institute estimates that only 14% of US homeowners have a flood insurance policy.  Further, the National Flood Insurance […]

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Dangers of Small Lithium Cell, or Button, Batteries



The recent death of an Oklahoma toddler has raised the issue of button battery safety. Two-year-old Brianna Florer died in December after swallowing one of the lithium batteries. The tiny coin-shaped batteries are frequently used in children’s toys, hearing aids, wristwatches and musical greeting cards. According to the Consumer Product Safety Commission (CPSC), older adults […]

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Are You Smart with Your Smartphone?

Are you smart with your smartphone? More and more news stories stem from situations that resulted in not-very-wise usage of mobile devices.  Here are a few eye-opening examples, and some good tips from our friends at International Risk Management Institute. A Dallas insurance professional was recently mugged in broad daylight at a Dallas Area Rapid Transit station. […]

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Five things that you should never flush

We all have been told in the past, but in hopes of avoiding a major backup that could lead to damage to your home, here’s a little reminder of the things that should not be flushed down the toilet, but placed in the trash bin. Paper Towels:  These are much heavier than toilet tissue and do […]

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Illinois State IDs No Longer Acceptable by TSA for Domestic Air Travel

Unless Homeland Security issues a last minute extension, beginning Sunday, January 10, Illinois residents will be required to produce a passport when completing domestic air travel.  Illinois, along with several other states, has remained resistant to making changes in compliance with the Real ID Act of 2005.  The Act intended to tighten standards on government-issued ID […]

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Drones must be registered…but do I need insurance?

According to Bloomberg, owners of consumer drones will have to begin registering with the U.S. government starting next week under a policy issued in time for the expected holiday shopping rush (read the full report here).  Only the smallest toys will be exempt from tracking by the Federal Aviation Agency.  Every consumer who owns a […]

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Travel Checklist for Snowbirds

If you are a snowbird heading south for the winter, there are several key things you should do to help protect your vacant home. Taking these steps can help protect your home from theft, water damage, heating or electrical system malfunctions and other possible threats while you are away. Forward your mail and stop newspaper delivery […]

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