If you don’t already have Flood insurance its too late to buy it now. So the only real advice I can give those that live near water and are going to be directly effected by Hurricane Earl is batten down the hatches and protect yourself as best you can.

Buy or don’t buy long-term care insurance. I don’t care, that is your decision. What I do care about is your ignorance to the product.

Wedding Insurance at first glance looks like an unnecessary expense when coupled with all the other things you have to think about and pay for when planning a wedding.

If beer is silly to you, you can make the example not so silly by substituting just about any discretionary item of equal value for the Six-Pack of beer. However, the point remains the same, every day Renters choose to remain Un-Insured for what would be the cost of ONE SIX-PACK of Beer.

The problem, as I see it, is NOT in you, but rather in the perpetuation of Insurance as a Commodity constantly broadcast at you by direct writers.

This is a very common question posed to insurance agents and for good reason. Relative to the cost of the other auto insurance coverages found on most personal auto policies Collision coverage can be expensive.

But with long-term care there are so many scenarios, so many options, so many questions… Most people would rather pretend the threat does not exist and ignore it, then ask the hard decisions and make the hard decisions.

And needless to say during the few months that Upstate New York weather actually permits, I spend a decent portion of my free-time at local golf courses. Which means that I am very familiar with just how Bad of a Golfer YOU Are!

New York residents be prepared to receive a Lead Liability Exclusion endorsement to your property insurance policy (homeowners, income properties, secondary, vacation homes, etc). New York insurance carriers are quickly mobilizing against lead paint claims.

The only bad part about the summer road-trip is that everyone (and their mother) is also taking a road-trip. And though individually everyone is a Great Driver (wink) as a mass of thousands screaming down the New York Thruway at 75 mph, you are all Accident Machines…