Being Thankful

This is the time of year when most people take time to reflect. These thoughts include being grateful for their health and thankful for family and friends. Most also appreciate all the "stuff" they own, realizing how fortunate they are. Years ago, most houses had only...

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A Fungus Among Us

“Blue cheese contains natural amphetamines. Why are students not informed about this?”  - Mark E. Smith Mold is a fungus, among us, that is found both indoors and outdoors. The exact number of species is unknown but range anywhere from tens of thousands to over three...

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Personal Property Theft Sub-limits

[caption id="attachment_52008" align="alignleft" width="138"] © Denis Ryan Kelly Jr.[/caption] Most homeowners are unaware of personal property theft sub-limits within their homeowners’ Coverage C (contents). Sub-limits are special limitations (dollar limits) within a homeowner policy regarding personal property that is stolen. There are specific dollar limits for theft...

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Duties After A Loss

Guest author, attorney Patrick Olmstead, shared insightful information in my previous post titled A Fire Loss Completely Changes Your Life. He explains what can happen to a business owner after a fire. Similar issues face a homeowner as well. Whether a loss is from a fire, burglary,...

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How Long Will It Last?

  Does it seem that you're replacing items in your house way too often? It certainly can keep you busy making sure your inventory remains updated, can't it?   We thought it might be helpful to learn what the "standard" life expectancy is for some of...

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It CAN Happen To You

It seems that there are an increased number of house and business fires recently, where the owners do not have insurance.   Is it that with social media, we learn more about everything and everybody?   Could it be because there are more fires than normal?   Or...

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Odds and Ends

The best gift I ever got was a box of rocks.   (Yes, really.)   It was my fortieth birthday and my childhood friend, Sarah, had recently returned from a trip to the seashore with her kids.   She presented me with this beautiful blue box.   Inside were...

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