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All Posts By

Angela Ripley

Mar 17

Own a Home-Based Business? Think ‘Presidentially’ When Considering Risks

By Business Insurance
Own a Home-Based Business? Think ‘Presidentially’ When Considering Risks Own a Home-Based Business? Think ‘Presidentially’ When Considering Risks No, we are not implying you fancy yourself the next Washington or Lincoln. But are you the proud owner or founder of one of the estimated 59% of established businesses in the United States that operate from a home? Then, even if your face doesn’t appear on Mount Rushmore, for your business you are still the top dog, head cheese, or grand high poobah. So welcome to your month, Ms. or Mr. President! But just as you realize that there are similarities…
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Feb 17

Ride Sharing: Injuries and Risk

By Auto Insurance, Personal Insurance
Trusted Choice Are You a Ride-Sharing Driver? What If Your Passenger, Another Driver, or Your Vehicle Is Injured? As a ride-sharing driver, you must answer two critical questions before you accept your first fare: First, will my insurance help me if my passenger or another party is injured while I am driving for a ride-sharing service? Second, will my insurance help me if my vehicle is damaged while I’m transporting passengers for a ride-sharing company? To answer those questions, here’s information you need to understand about insurance coverage—or lack thereof—in a typical personal auto insurance policy: Livery Conveyance & Your…
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Feb 03

Your Personal Umbrella Policy: A Few ‘Non-Negotiables’

By Personal Insurance, Umbrella Insurance
Trusted Choice® Personal Umbrella Your Personal Umbrella Policy: A Few ‘Non-Negotiables’ So maybe you’re still on the fence about whether purchasing a personal umbrella policy is a good move for you and your family. Following is a list of “non-negotiables” — that is, these are the exposures your family may have that make having an umbrella policy a must. If You Have Children Of course, kids are wonderful. But they sometimes do stupid things or hang out with other kids who do stupid things. Fair enough? Their conduct often leaves us adults shaking our heads (even while remembering we were…
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Jan 20

What is Home Insurance Article

By Home Insurance
Homeowners insurance protects you financially from losses related to the home you own or are purchasing. (If you rent your home, you would need insurance for renters.) If your home is damaged or destroyed by a fire, homeowners insurance can cover the repair or rebuilding of your home. If thieves rob your home or vandals damage it or your personal property, homeowners insurance can cover the repair, replacement or recovery of that property. If you are sued by someone who is injured in your home, you can turn to your homeowners insurance for help. If you find yourself liable for…
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Jan 06

Rev Up Safety, Not Speed on Your Snowmobile Adventure

By Specialty Insurance
Rev Up Safety, Not Speed on Your Snowmobile Adventure Rev Up Safety, Not Speed on Your Snowmobile Adventure “Dashing through the snow, on a 100 horsepower sleigh. Over the handles we go, screaming all the way (to the hospital).” Yes, we know that’s not exactly how the song goes. But if winter snow and cold, clear days make you itch to go snowmobiling, your Trusted Choice® independent agent hopes you’ll remember this: Safe operating habits can make the difference between a joy-filled ride and a tragic accident. So whether your plans are a leisurely ride on favorite trails or a…
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Dec 23

Jewelry Insurance

By Specialty Insurance
Congratulations! It’s Exquisite! Now Protect It Humans are simple creatures. We like shiny things. For more than a thousand years, we’ve flaunted our jewels or lavished them on the people or animals we love. Rings, necklaces, bracelets, earrings or even crowns can be more than just bling. They acknowledge milestones, reward achievements and symbolize relationships. They’re among our most precious possessions. Your own treasured pieces of jewelry may be priceless and irreplaceable in terms of sentimental value. But you can minimize the financial harm that results from loss, theft or damage. Warranty as a Limited Protection A jewelry seller or…
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Nov 25

Tips For Being Away For the Holidays

By Personal Insurance
Trusted Choice® Leaving Home for the Holidays Trusted Choice® Leaving Home for the Holidays Are you traveling for the holidays? Here are 15 top tips to keep your home safe while you are away: Make sure alarm systems and motion sensors are in place and working properly. Connect these to your phone to monitor activity at all times of day. Use automatic lights to scare potential robbers away. Let a neighbor know you are leaving and the amount of time you will be gone. Keep all trees and bushes trimmed. Overgrown shrubbery can be a good place for burglars to…
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Nov 11

Protect Your New Home While It’s Being Built

By Home Insurance
Building the home of your dreams requires you to think about insurance. Homeowners insure their homes with a homeowners policy—but what about the home that is still under construction? Perhaps some expensive lumber or copper piping is stolen from the construction site in the middle of the night: Some homeowners insurance policies might cover some losses, but their primary purpose is to cover existing homes. While your new home is under construction, builders risk insurance will financially protect it from perils related to its construction, as outlined in the policy. While builders risk insurance is not usually compulsory, it can…
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Oct 28

Secure Your Family’s Financial Future with Annuities

By Personal Insurance
Broadly speaking, an annuity is sold as a contract between a consumer and an insurance company. The buyer commits to a specified payment arrangement, and the company promises to pay the insured a lump sum or payment schedule. Payouts may begin immediately or in the future, depending on what is purchased. The amount of benefits paid hinges on the type of annuity purchased and the size of the insured’s investment. A death benefit may be built into the annuity, and a few may apply if funds are withdrawn early. Why consider purchasing an annuity? When the market crashed during the…
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Oct 14

Pet Insurance: Checklist of Things to Consider

By Pet Insurance, Specialty Insurance
Loving Milo & Otis: An Owner’s Guide to Insuring Pets It’s indisputable. Our fur babies are members of the family. We love them, and they return our love. As a nation, we spend in excess of $69 billion every year on the care and feeding of our pets. If something happens, is your pet insured? It seems like a simple question. But like most insurance-related inquiries, the answer depends on the policies you choose. If your pet is wounded, you will want to know whether your insurance will come to your aid. Likewise, if your pet injures another living being…
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