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Are You Covered?
  • Party Host Liability Tips
    In the midst of the festive and hectic holiday atmosphere, it is easy to forget the serious responsibility involved with hosting a party at your home or business. In many states, individuals and employers hosting holiday parties can be held liable in cases where a guest or third party is injured in an accident related to alcohol consumption at your event. Hosts have been held responsible for medical bills, vehicle repair costs, lost time from work, and even wrongful death.
  • Safety Tips for Decking the Halls
    Haul out the holly, string up the lights, and hang the stockings by the chimney (with care)! The holiday season is finally here, which means it’s time to deck the halls with all kinds of festive decorations.
  • Manage the "Four C’s" of Winter Fire Risks:
    Thanksgiving, Christmas, and New Year’s Eve—these holidays mean celebrations, many of them in decorated homes filled with merry-making family members and friends.
  • Tis the Season for Holiday Parties... and Food Poisoning
    The holidays are almost here, which means hauling out the holly, stringing up the lights, and dashing through the snow. The holidays also mean lots of fun, festive parties to celebrate the season. These celebrations usually feature an array of delectable foods and tasty drinks that are dangerous to your waistline, but if you’re hosting a party, you have more to worry about than added pounds or lumpy gravy.
  • Safety Tips for Black Friday Shoppers
    The day after Thanksgiving, also known as Black Friday, is the biggest shopping day of the year.  When it comes to cashing-in on the day’s deals, the motto is “If you snooze you lose.”
  • Protecting Your Home from Brush Fires
    The biggest fire in the U.S. took place Oct. 8, 1872 in Peshtigo, Wis. The blaze burned 16 towns, killed 1,152 people, and burned 1.2 million acres, according to the National Fire Protection Agency. Historical accounts of the fire say that it began when railroad workers unintentionally started a brush fire and within an hour there was nothing left of the town but ashes.
  • Grill On: Safety Tips for Outdoor Grilling
    Labor Day weekend signifies the unofficial end of summer, the closing of swimming pools, and the start of the NFL and college football seasons. For a lot of people this weekend also means partaking in an outdoor culinary ritual known as grilling.
  • 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.
  • On the Road to College
    Packing up the car and heading off to college is a rite of passage for a lot of students, but there are some auto insurance questions to consider before your kid drives off to higher education. You wouldn’t let them leave home without the right school supplies; make sure they’re fully equipped behind the wheel, too.
  • QUICK READ: Preparing for College
    Quick Quiz
    When preparing to send you child to college be sure to review:
    1. Their college essay
    2. Your bank account
    3. The film “Animal House”
    4. Their insurance coverage
  • Think your home, condo or business insurance policy covers flood damage? Think again!
    A standard home insurance policy will cover losses caused by water that accumulates in the home resulting from the accidental discharge of a system of appliance, such as a broken hose or valve. That same policy will not cover losses caused by water that accumulates as a result of the overflow of a body of water or runoff of surface water.
  • Homeowner’s Policy Not Likely to Cover Home Business Liability
    According to surveys, nearly one in four Americans are operating some form of home-based business.  These businesses range from relatively small, often part-time pursuits such as tax preparation or small appliance repair, to larger, full-time enterprises such as construction and real estate offices.
  • Don’t Let Business Risk Share Your Home
    The diversification of the U.S. economy over the past generation has meant that millions of Americans have started their own businesses. Americans still chase the dream of being their own boss by starting their own business—and the trend may pick up during the economic slump of 2009 because of hiring slowdowns and spikes in corporate layoffs.
  • Feathering the Nest? Update Your Insurance
    Consumers spend billions on their homes. Home improvement projects tallied to a whopping $280 billion in 2005, according to research from the Joint Center for Housing Studies at Harvard University. The center forecasts that home renovations will grow at a steady 3.7% rate annually through 2015, after inflation.

  • 3 Insurance Questions
    Insurance comes in a wide array of choices for a variety of consumer and business needs. Even the best-educated consumer who spends time researching insurance issues will come across a topic he or she doesn’t understand.
Homeowners Insurance and Renters Insurance
Consumer's Guide to Homeowners InsuranceWhether you are a first-time home buyer, a veteran of many years of mortgage payments and house upkeep, a condo owner or an apartment dweller, your household is one of some 90 million in the United States. Chances are your home is your single most expensive budget item and—for the home or condo owner—your most valuable investment. Homeowners insurance is a package policy that covers both property—structures and personal possessions—and liability. But do you understand what's covered? 

Because it is comprehensive, your homeowners insurance policy may include coverage you are not even aware of. If your luggage is stolen from a motel room while you are a thousand miles away from home, for example, you will of course want to notify the police. You will also want to check with your insurance agent about coverage for loss under your homeowners policy. And if your house burns down leaving you without a place to stay, your policy provides living expenses as well as reimbursement for damaged property.

Your Trusted Choice® insurance professional can explain your policy in detail. More than any other line of coverage, homeowners insurance is substantially standardized throughout the United States. The questions and answers in The Consumer's Guide to Homeowners Insurance are based on the most commonly purchased homeowners insurance policy (called HO3 in the industry) offering the widest protection. Get started with this guide by learning the key areas of coverage as well as any exclusions or limits that might apply.

 

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