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Are You Covered?
  • Auto and Home Insurance for Unmarried Couples
    Sixty years ago, when the 1950 census data was released, it showed that eight in 10 households were occupied by married couples. Fifty years later, the 2000 census data showed that number had declined to just over 50%, signifying a sea change in the typical American household. Almost half of households were occupied by a single individual, roommates or unmarried couples (the 2010 census data is still in the process of being made public).
  • What to do Before, During and After Thunderstorms
    Before, During and After a Thunderstorm.
  • What You Need to Know About Shady Home Contractors, Remodeling & Hiring Day Laborers
    Ah, summertime, and the living is easy. Perfect for sitting in the shade out back with a cold drink. You may even decide this is the perfect time to finally add that deck, enlarge the patio for cookouts, or put in that new landscaping with a couple of strategically placed trees perfect for a comfortable hammock.
  • What Everyone Should Know About Insuring Property in Storage
    The other day while flipping through the channels I stumbled upon a reality show about people who bid on items in abandoned storage units- sometimes finding items valued in the tens of thousands of dollars. I thought of my family and friends who had storage units and the kinds of items they kept in there- and it ran the gamut from golf clubs to furniture to ski equipment.  According to the Self Storage Association, 10.8 million people in the US rent a self-storage unit. If you’re one of those 10.8 million people you should ask yourself, do I have insurance coverage for my property in storage?
  • Insuring Your Happily Ever After
    Getting married and embarking on a new life together is one of the most exciting experiences in two people’s lives. It’s a time of hope, promise, romance and … reality. Whether a couple is planning their wedding or deciding where to live, there are a lot of decisions to make before saying “I do,” especially when it comes to insurance.
  • Changing Your Address Means Changing Your Insurance
    May is National Moving Month and every year more than 40 million Americans will move, according to the American Moving and Storage Association. As you pack up your belongings and move across town or across the country, make sure you don’t forget to “pack” your insurance coverage.
  • Spring Forward: Spring Cleaning and Safety Updates
    Temperatures are getting warmer and now that it’s spring, it’s time for spring cleaning and making spring time repairs around the house. Taking care of our homes is important, so take a moment to understand how taking care of things around the house can impact your insurance.
  • A Little Less than Supercalifragilisticexpialidocious: Insurance and Tax Issues with Nannies and Housekeepers
    With more and more families every year having both parents work full time, there has been an increasing need for help around the house with childcare and chores like cleaning, laundry and running errands. If you’re hiring household help it’s important to understand how having domestic workers (including nannies, housekeepers, caretakers, etc.) around your home can impact not only your insurance coverage- both your auto and your homeowners- but also how it could have tax implications for you. If you don’t understand these issues, the result could be something quite atrocious.
  • Congratulations Class of 2013: Now It’s Time to Graduate to Your Own Insurance!
    While every individual has unique needs, here are a few  insurance coverage options that all college grads should consider.
  • Summer Storm Recovery Tips
    Independent insurance agents not only advise clients about insurance, but they’re disaster readiness consultants. It is imperative to know what your risks are and what to do in the
    event of a hurricane. We recommend meeting with a Trusted Choice® independent insurance agent who can consult with you in assessing your risks and ensuring that you, your family and your home are prepared in the event of a disaster. Trusted Choice® offers many disaster-specific readiness and recovery tips for consumers.
  • Be Prepared for a Disaster
    Independent insurance agents not only advise clients about insurance, but they’re disaster readiness consultants. It is imperative to know what your risks are and what to do in the
    event of any natural disaster. We recommend meeting with a Trusted Choice® independent insurance agent who can consult with you in assessing your risks and ensuring that you, your family and your home are prepared in the event of a disaster. Trusted Choice® offers many disaster-specific readiness and recovery tips for consumers.
  • New Development, New Flood Risk
    One factor to consider when evaluating your risk of flooding is development and new construction in your area.
  • Landscape Ready: Utility Marking, Underground Septic & Sewer Back-Up
    Homeowners: Before you hit a gusher—and we aren't talking oil—get the 811 from Trusted Choice.
  • Avoid a Bracket Busting Claim: Insuring Special Events
    It’s time for March Madness! Are you planning a blowout that will make render an entirely new meaning to “bracket busting?” Has your neighborhood community center asked for a either a hold-harmless agreement or a damage deposit exceeding your current mortgage payment?

    Welcome to the world of personal event risk management!
  • Earth Day and Going “Green” with Your Homeowners Insurance
    "I recognize the right and duty of this generation to develop and use the natural resources of our land; but I do not recognize the right to waste them, or to rob, by wasteful use, the generations that come after us." – Theodore Roosevelt
    With Earth Day on April 22nd, Roosevelt’s call for responsible use of resources remains as relevant today as when he wrote it over a century ago, and many Americans are taking up the call as part of the “green” movement, particularly in the areas of construction and building. Whether you’re building a new home or are interested in retrofitting your home to be a “green” home, it’s important to recognize how taking these steps to make your home more environmentally friendly may require some special “green” insurance to protect them.
Time to Winterize!
winterizing.jpg
Insulating exposed pipes is an important part of winterizing your home.

As the first leaves hit the ground and those fall breezes turn from cool to cold, it’s time to prepare for winter. Whether that means snowstorms and ice or just the heavy chills many experienced in last year’s milder season, experts advise preparing your home for whatever Old Man Winter has in store.
 
Here are 10 popular winterizing tips:
 
1. Check doors, windows and any exterior opportunities for winter to enter your home. Caulk cracks and replace cracked or broken glass and dried-out or missing weatherstripping and seals.
 
2. Inspect and clean gutters and downspouts.
 
3. Inspect, repair or replace flashing, roof shingles or tiles. If needed, add attic insulation to prevent ice dams along the edge of the roof, which can cause water damage to roofs and ceilings.
 
4. Get the fireplace and furnace ready. Buy or chop firewood and inspect damper and chimney. Have the furnace inspected, clean the ducts, stock up on filters, and inspect or replace the thermostat.
 
5. Inspect, update, or install smoke and carbon monoxide detectors as well as fire extinguishers.
 

 6. Protect pipes. Insulate exposed pipes, and drain and close off A/C pipes or exterior hose bibs. If you plan a vacation, be sure to leave heat set at least to 55 degrees.

7. Reverse ceiling fans. In the summer, ceiling fans force breezes downward. In winter, reversing the direction of air flow forces the warm air at ceiling height back down along the walls, from where it will rise again, keeping the overall room temperature at a more comfortable level with less need for heating.
 
8. Prepare landscaping and gardens. Trim dead tree limbs or any branches that are hanging so close to the house or electrical wires that they could cause damage when weighted by ice. Bring sensitive plants indoors or move to greenhouse. Seal or repair sidewalks, driveways, patios, and decks.\
 
9. Service winter equipment. Is your snowblower ready for action? Do you have snow shovels and ice choppers and adequate bags of sand or ice melt for icy surfaces?
 
10. Assemble an emergency kit. Include first aid supplies, flashlights, candles, lanterns, extra batteries, nonperishable food, and bottled water.
 
And don’t forget this is a great time of year for a homeowners coverage review with your Trusted Choice® independent insurance agent. Should winter storms cause damage to your home, be certain your current protection is adequate.
 

 Focus On: Winter Pet Care

dog in snow.jpgWhile focusing on your home, don’t leave your furry friends out in the cold! Here are a few tips from your pet friends at the Oregon Humane Society:

  •  Bring pets indoors when temperatures dip toward the freezing point.
  • If you must leave pets outside:
    • Feed them more, so they can produce adequate body heat.
    • Check bowls regularly to be sure water and food are not frozen.
    • Use plastic bowls. Tongues—pet or human—can stick and freeze to cold metal.
    • Feed pets less when they spend the winter indoors and get less exercise.
  • After pets spend time outdoors, wipe their paws to remove dangerous antifreeze, salt or other chemicals. Also check for encrusted ice or injury.
  • Keep dogs on a leash; especially in winter, they can lose their scent and become lost.
  • Never leave a pet alone in a cold car; it can freeze to death.
  • Keep your local family vet and emergency vet phone numbers close at hand.

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127 South Peyton Street
Alexandria, VA 22314
Phone: 800.221.7917
Fax: 703.683.7556
Email: Trusted.Choice@iiaba.net