Insurance News and Tips to Make Your Life Easier, Safer, and Happier

Everything You Need to Know to Have a Safe Boating Season

Posted by Jennifer D'Agostino on Thu, May 26, 2016 @ 03:32 PM

Every summer, our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precautions. Here are a few of our best tips, whether you're on your way to the water, in the water, or boating at night.

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Tags: Safety

How Much Home Insurance Is Enough?

Posted by Geri Baier on Wed, Mar 23, 2016 @ 12:02 PM

The cost to rebuild your home is its replacement value. This can be very different from the estimated market value or actual purchase price. In most cases, it costs more to rebuild the home you own than to buy a new one.

New Jersey - How Much Home Insurance Is Right for You?

Based in Forked River, Hauswirth & Sons Insurance Consultants understands the home insurance needs of our customers. We’ll work with you to estimate the replacement cost for your home and to adjust your policy limits from time to time as needed.

It is critical that you provide us with accurate, updated information about your home and contents. If your dwelling limit accurately reflects your home’s true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policy.

Once a review of your home and possessions indicates you are properly insured, it’s a good idea to re-examine your coverages and limits from time to time, especially whenever you make additions or improvements. Hauswirth & Sons Insurance Consultants can help you re-evaluate your insurance needs, just give us a call at 609-693-3123 to speak with one of our agents.

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Tags: Home Insurance, Insurance Coverage

Flood Risk: Complacency Is Not in My Vocabulary

Posted by Rich Hauswirth on Tue, Aug 25, 2015 @ 02:13 PM

Many of the usual sources for good hurricane information are predicting a very mild storm season in 2015. In case you were wondering, hurricane season begins June 1st and ends on November 30th.

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Tags: Flood Insurance, NFIP, Hurricane Season

Distracted Piloting on the Waterways?

Posted by Rich Hauswirth on Fri, May 29, 2015 @ 01:54 PM

Recent statistics by the US Coast Guard for 2012 showed that 23% of reported boating accidents involved “Operator Inattention” or in their term, “improper outlook”.

The “unofficial” cause they claim is of course cell phone use and/or texting. While 23% may not seem to be a large percentage, it is a leading cause to boating accidents. Look to see a governmental call for stricter regulations against boaters who text and talk while piloting on our nation’s waterways.

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Tags: Safety, Boat Insurance

Hurricane Season starts in another month!

Posted by Rich Hauswirth on Thu, Apr 23, 2015 @ 03:39 PM

The 2015 hurricane season runs from June 1st through November 30th each year. While we have had busy seasons with a large number of storms (like 2005 with 28 named storms) and some with a few severe storms (like Katrina and Sandy) each year brings new sets of problems.

Next week, we will be placing the finishing touches on our May 2015 Hauswirth & Sons Newsletter where we will be discussing in detail our thoughts on the upcoming season and the status of our insurance carriers. We will also be discussing the new changes coming up with the National Flood Insurance Program.

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Tags: Hurricane Season

Things That Keep Us Up at Night!

Posted by Rich Hauswirth on Mon, Apr 20, 2015 @ 05:02 PM

Credit-cards-for-web

Just recently, my wife Margareth and I celebrated our birthdays. She reminded me that in 12 months, we will be eligible for Medicare and we will “have to” sign up for it. All of the current data for us baby-boomers says that is a necessary rite of passage and should not be put off. So whether you are retiring or will continue to work, sign up when it’s your turn!

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Tags: Safety, Retirement

Don't Do This At Home!

Posted by Rich Hauswirth on Fri, Apr 10, 2015 @ 01:44 PM

When our boys were small, they watched their share of cartoons. Of course, yours truly would be there with them watching Wiley Coyote always trying to catch Road Runner. Our boys always knew it was a cartoon and none of it was real. We never had to tell them “Don’t try and do this”, as they understood strapping a rocket on their back was never going to work. But neither is setting a house on fire in order to collect insurance or get out of debt; yet folks still do it.

It sort of fascinates me how some folks think that they can make financial problems go away by burning their way out of debt. A few gallons of gasoline or an open natural gas line, a flick of a match and their problems go up in flames. It doesn’t work. The carriers do not pay out on arson and it is illegal.

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Tags: Claims

Forbes Magazine Gives Insurance Advice?

Posted by Rich Hauswirth on Wed, Oct 15, 2014 @ 04:17 PM

A friend of mine recently sent me an article he just found in an old issue of Forbes Magazine in a doctor’s office dated February, 2013.

The article was titled: “4 Costly Mistakes to Avoid in Home Insurance.” Now I understand there is a section in Forbes called personal finance, but this one sparked my interest for a number of reasons. The author, a well known contributor of the magazine, warns the public about the danger of “Fine Print.” I’m not so sure we use fine print anymore in an insurance policy with so many government regulations against that, but I decided to take apart the “mistakes” one at a time to see if there is any validity to any of them.

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Tags: Flood Insurance, Home Insurance, Insurance Coverage

Top Ten Insurance Tips for Parents of College Students

Posted by Rich Hauswirth on Wed, Aug 20, 2014 @ 02:01 PM

When your child goes off to college there are a million things to worry about. Will they do well in their classes? Will they get along with their roommates? Will they call to let you know how they're doing?

At the bottom of the list, if at all, is how their insurance needs change now that they are away at school.

Insurance and a College Student's "Stuff"

Here are some common questions you may find yourself asking, followed by my insurance tips:

  1. Is their "stuff" covered under my home insurance policy? Well, it depends. If the college student is in a temporary location (campus housing), then yes. As long as their main residence is at home with you, Mom and Dad, they are still residents of the household and their "stuff" is covered.
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Tags: Safety, Auto Insurance, Lists

Warning: SPAM Is On the Rise!

Posted by Rich Hauswirth on Mon, Jul 07, 2014 @ 04:45 PM

No, I’m not referring to that canned food product your mother made you eat for lunch when you were a kid. I’m referring to the electronic kind of unsolicited junk mail we get in our daily emails.

Being ever vigilant on the nature of one’s email correspondence is a priority in our office, but every now and then one bad piece of mail gets past us… and what happens next isn’t pretty.

I’m referring, of course, to fraudulent practices used by some crooks to take information from our computer by deception. A practice by which an email is sent using a well-known name (senders like UPS, Amazon, PayPal, or The Internal Revenue Service to name a few) asking for personal information -- what is now called “PHISHING.”

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Tags: Safety, News