Plan to travel this summer? Here are some pre-trip security precautions


Did you ever set out for you summer vacation only to return home a few minutes later to double check that you’d secured the garage door or shut the kitchen window? When you’re packing up for a trip, the natural focus is on planning for where you’ll be … but you don’t want to come home to a major problem, so an important part of any trip prep is to  take the time to secure your home before you leave.

Our friends at Chubb Insurance have compiled a great interactive trip planning guide with tips tools you need to prepare for your trip so that you can depart worry free, View the short video below or  download Home Preparation Tips – Steps to protect your home, vehicles, valuables and security during your next trip.

Chubb also offers security advice for while you are on your trip – check out the video or download Travel Tips for managing your documents, money, valuables, technology and more while you’re away.

 

Some popular posts on travel from our archives

 

Back to school toolkit for kids of all ages


back to schoolIt’s getting to be that time of year… back-to-school season! Over the years, we’ve posted lots of advice for parents and students of all ages. In this post, we’ll offer some of our best back-to-school posts, with a few new resources thrown in.

College planning

Kids heading off to college? Double check insurance coverage first – we talk about homeowners/renters, auto, ID theft, tuition insurance and stand-alone policies for electronics.

College survival guide: Safety tips, what to pack, dorm hacks – a handy list of checklists from safety & security to eating healthy in a dorm.

ID theft is on the upswing and college students are at high risk – common types of fraud, resources to avoid ID theft or deal with it if it happens, and information on identity theft insurance.

Rental Insurance for the College Graduate – we suggest this as a gift for recent graduates, but it is as valid for students who will be renting. The post talks about myths, checklists and what you need to know.

Kids at home – back to school

Tips from 60,000 pediatricians about back to school safety – this post focuses on safety issues around traveling back and forth to school. You can also click for an updated checklist of Back to School Tips from the American Academy of Pediatrics.

Schoolbus safety tips

Backpack safety – there are a surprisingly high number injuries from overloaded back packs. Learn how to be sure your kids are not at risk.

Tips & tools for avoiding or dealing with the flu

Edutopia: Back to school resources for parents

PBS Parents: Back-to-School Tips for Parents

KidsHealth: Back to School – lots of advice for parents, or click through to get advice for kids, too.

Care.com: 101 Back-to-School Tips for Kids and Parents

Getting married? What you need to know about wedding insurance and other financial considerations


Wedding ChecklistGetting married? There’s a lot you need to think of both before and after the wedding, but in all the planning, one of the things that is often overlooked is your insurance insurance needs. Have you notified your insurance agent about your plans? He or she can be one of your best friends! For example, as a couple, you may be eligible for auto discounts or a savings on health insurance. You may also want to secure life insurance, and should be sure to change the beneficiaries on any key insurance or savings plans that you do have. The Insurance Information Insituitue (III) offers a handy checklist of insurance considerations for married couples.

You should also ask your agent about wedding insurance to protect your investment in the big day, particularly if you are planning a big celebration. Wedding insurance is a type of special event insurance designed provide financial protection for various problems that could arise, such as the need to cancel or postpone due to weather or natural disasters. III says:

“Most policies also provide coverage for cancellation due to the death, illness or serious injury of a key participants in the event, such as members of the immediate family. Also, if an officiant, such as a minister or rabbi, or a key vendor, like the caterer, florist or photographer, does not show up, you can recover some of the costs.”

Different insurance companies offer special coverage that you can add on, such as protection for gowns, gifts and honeymoons.

Of course, insurance is only one of the things you need to think about. You need to know your state law. Below is a very helpful 2-part guide to getting married in Massachusetts … it offers a great breakdown of things you need to plan both before and after the wedding. While laws vary by state, the MA Guide offers a simple checklist for some of the common issues and responsibilities people need to consider and address, no matter where they live. We’ve also included links to laws for other states.

Getting Married in Massachusetts

Part 1: What you need to do before the wedding

  • Who Can Get Married in Massachusetts?
  • Who Can Conduct a Wedding in Massachusetts?
  • Where Can We Get Married in Massachusetts?
  • What Paperwork Do We Need to Get Married in Massachusetts?

Part 2: What you need to do after the wedding

  • Getting Proof of Your Marriage
  • Changing Your Name and Getting a New ID
  • Filing Taxes After You Get Married
  • Marriages Outside of Massachusetts


Marriage laws in other states

Dog owners: protect yourself from an expensive dog bite claim


Do you have a dog? If so, you want to be sure that your dog is trained, that you comply with any state or local restraint laws, and that you are adequately covered by your insurance. Although the number of dog bite claims is trending down, the cost for those claims is trending up – the average dog bite claim is now $37,214. That’s the national average so depending on where you live, the cost might be higher: Arizona was $56,654, California is $44,983 and New York is $44,320. Ouch.

May 15 through 21 is dog Bite Prevention Week. Learn how to prevent dog bites and how to keep dogs from taking a bite out of your insurance.

The Insurance Information Institute has some great information on Dog Bite Liability:

There are three kinds of law that impose liability on owners:

1) A dog-bite statute: where the dog owner is automatically liable for any injury or property damage the dog causes without provocation.
2) The one-bite rule: where the dog owner is responsible for an injury caused by a dog if the owner knew the dog was likely to cause that type of injury—in this case, the victim must prove the owner knew the dog was dangerous.
3) Negligence laws: where the dog owner is liable if the injury occurred because the dog owner was unreasonably careless (negligent) in controlling the dog.

Also, see our prior post about 10 dog breeds that might cause problems with your home insurance

Some insurance companies will limit homeowners insurance availability based on dog breed or dog history. PropertyCasualty360 has an article on the 10 dog breeds most often blacklisted by home insurance carriers.

Many insurance companies don’t have a blanket breed ban. The MSPCA cites several national insurers that will instead “… work on a case by case basis, considering the individual dog’s behavior and history, and may require a meet and greet with the dog and/or a Canine Good Citizen certification.”

And here’s a good infographic from the American Veterinary Medical Association:

dog bite infographic

Vintage insurance advertising!


Photo from the library of Congress

Photo from the library of Congress

Photoshop has nothing on the photo montage specialists of the 1800s, who were adept at “trick photography.” Witness this historic Civil War era image title “Union Commanders” from the Library of Congress. Linton Weeks of NPR’s history department took a closer look, noting that although the photo is dated 1884, several of the people in the photo had been dead for decades by that point.

It turns out it the “photo” is an example of an early insurance ad – from one of our insurance company partners, no less: A caption on the photo says “With compliments,” signed by Travelers Life and Accident Insurance Co. There was a similar image produced of Confederate generals.

NPR asked the folks at Travelers about the photo:

“The photo-artist “used individual photographs of the Confederate commanders and created a composite picture of them together,” she says. “The figures were cut from the print and pasted on a painted background. This process would be similar to using software like Photoshop in today’s terms to place images together in one photo.

“The idea of using the pictures as advertising came from Maj. Edward Preston, the Travelers superintendent of agencies, Davidson says. “The first copy of the ‘Confederate Commanders’ was delivered to Jefferson Davis by the Travelers representative in Montgomery, Ala. Copies also were sent to all the living generals in both pictures.”

She adds that the success of the ad campaign prompted more composites, including “Famous American Authors,” “Eminent Women” and “Famous Editors.”

Photoshop may have made photo manipulations easier for the average person, but photo manipulations go way back. Check out this fun gallery of 15 Photo Manipulations Before the Digital Age.

Whether using photos or illustrations, trade cards were a common form of advertising in the 1800s for all types of products and services. Life Insurance was a pretty common theme. Explores some fascinating examples of Victorian Trade Cards.