7915 Lake Manassas Dr, #303
Gainesville, VA 20155
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Tom's Blog
International Proof of Insurance
January 19, 2012 - Leave a Comment
If you know someone who lives in another country and is planning to relocate to the United States, this brief blog post should be shared with them…it will save them thousands of dollars! Prior driving history is a big factor in determing your auto insurance rates while shopping around. Most insurance companies want to see Read More »
Be Safe This Halloween
October 11, 2011 - Leave a Comment
It is that time of year again. Scarecrows begin invading front porches, jack ‘o lanterns start popping up in every window and the preferred method of transportation is a hayride. Autumn has arrived and Halloween is here. Here are some tips for a healthy, safe Halloween: Trick-or-Treaters Carry a flashlight. Stay on sidewalks, do not Read More »
Five Things to Keep in Mind for the Next Hurricane
August 31, 2011 - Leave a Comment
August will go down as one of the most eventful weather/natural disaster months in Northern Virginia’s history. While most people rarely think about their insurance, I’ll bet most of you asked yourself the question “Am I covered?” at least once during the past few weeks. Fortunately, Irene’s bark was a lot worse than her bite. Read More »
10 Easy Ways to Reduce the Risk of Identity Theft
August 18, 2011 - 1 Comment
ID Theft has victimized more than 15 million people worldwide. Last year alone, there were more than a million new cases. 36% of FTC complaints are regarding ID Theft. Simply stated, it’s the fastest-growing crime in America. Here are my 10 quick and easy ways to limit your chances of becoming a victim of this financially-crippling Read More »
How Forgiving is Accident Forgiveness?
July 26, 2011 - 1 Comment
I called an insurance company the other day. A well known one. One that you and I see on TV all the time. I asked them about their “accident forgiveness” program. As you might guess, accident forgiveness is offered by car insurance companies to get you to switch (or stay), claiming that if you have an Read More »
THE Smartest Way to Save on Insurance
April 26, 2011 - Leave a Comment
If you read personal finance blogs and magazines like I do, you’ll constantly find articles on “ways to save money on insurance”. Go ahead and GOOGLE it and check out some of the posts. While the tips vary from one article to the next, the one tip that is consistently on every financial expert’s “Top Read More »
Something to Consider During Open Enrollment Period
October 19, 2010 - Leave a Comment
As we approach the end of the year, companies all over the country are going through their “open enrollment” period. This is the one time per year in which employees can select certain coverages such as health insurance, disability, long term care, and of course, group life insurance. If the question is “Am I better off Read More »
Home Insurance: Replacement Cost v. Market Value
August 6, 2010 - Leave a Comment
I posted a trivia question on my Facebook page: Someone buys a brand new 2,500 sq ft, 2-story single family home. Purchase price $450k, mortgage $400k. How much should their home probably be insured for? (a) $400k (b) $450k (c) $275k (d) assessed value by the county. In reality, I probably should have included an Read More »
Do You Need to Buy the Insurance from the Rental Car Company?
June 22, 2010 - Leave a Comment
A Facebook Fan asked me whether or not she needed to purchase the extra insurance when she rents a car. Rental car companies sometimes refer to this as “Collision Damage Waiver” or CDW. The answer is not as simple as yes or no. In general, your auto policy covers a temporary substitute car (e.g. a Read More »
Jewelry Coverage on Home Insurance: What’s Covered?
June 9, 2010 - Leave a Comment
I posted a trivia question on my Facebook page: Someone breaks into your home and steals three pieces of jewelry valued at $5,000, $2,000 and $1,000 ($8,000 total), how much will a basic home insurance policy cover? The technical answer to this question is $1,500. A basic HO-3 policy covers up to $1,500 for theft Read More »
Latest Blog Entries
- International Proof of Insurance
January 19, 2012 - Be Safe This Halloween
October 11, 2011 - Five Things to Keep in Mind for the Next Hurricane
August 31, 2011 - 10 Easy Ways to Reduce the Risk of Identity Theft
August 18, 2011 - How Forgiving is Accident Forgiveness?
July 26, 2011 - THE Smartest Way to Save on Insurance
April 26, 2011 - Something to Consider During Open Enrollment Period
October 19, 2010 - Home Insurance: Replacement Cost v. Market Value
August 6, 2010 - Do You Need to Buy the Insurance from the Rental Car Company?
June 22, 2010 - Jewelry Coverage on Home Insurance: What’s Covered?
June 9, 2010
