How Life Insurance Has Evolved: A Key Component of Your Retirement Plan

Blog | November 19, 2024

Life insurance has long been recognized as a vital financial tool, primarily for its death benefit, offering loved ones financial security in the event of an untimely passing. However, in recent years, the landscape of life insurance has transformed dramatically, evolving into a multifaceted financial product that plays a crucial role not only in risk […]

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October is Cyber Awareness Month: Understanding Cybersecurity and the Role of Cyber Insurance

Blog | October 21, 2024

As we step into October, we not only welcome the changing seasons but also recognize an important observance: Cyber Awareness Month. In today’s digital age, cybersecurity has emerged as a critical concern for both businesses and individuals. With increasing reliance on digital platforms, the risk of cyber threats is higher than ever. This month, we

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Are You Sure That The Personal Property Is Fully Accounted For?

Blog | May 27, 2022

When was the last time that you looked at or updated your personal homeowners insurance policy? Have you made upgrades to your property, purchased new art or jewelry? Do you know what value your property is currently insured for? Have you taken into account the current market more importantly the major increases in building and

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10 Common Insurance Myths Debunked

Blog | March 28, 2022

At Heller Kowitz Insurance Advisors we hear a lot of misconceptions about insurance and how it actually works. We wanted to help debunk some of those myths, so you can feel more confident in choosing the right policy for you, your family, or business in the future. Insurance is necessary to protect you in today’s

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Better Check Your Homeowners Policy

Blog | February 22, 2022

Heller Kowitz Insurance Advisors, a partner of Unity Insurance is recommending that all homeowners check their insurance policies after unusually high inflation levels this past year. Standard policies only account for 1-2 percent increases on the value of your home every year. We are currently seeing home value’s rising closer to 9 percent, which means

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Several States Consider Long-term Care Tax

Blog | January 27, 2022

In early January, the state of Washington was the first to pass, the Long Term Care Trust Act. This this means that all residents living in the state of Washington now have to pay 58 cents for every $100 they earn into the states trust for long-term care. Although Washington state is the first in

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PREVENTING FREEZE UP – FROZEN & BURST WATER PIPES

Blog | December 10, 2013

Article from Philadelphia Insurance Cold weather freeze-ups can cause vital fire protection systems to malfunction. Cold temperatures can cause sprinkler piping to burst resulting in major water damage to buildings, contents, and equipment. Pipes bursting can also impair automatic sprinkler systems and leave a major portion of your facility without fire protection. A fire during

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House Bill 315

Blog | February 12, 2013

By the Mid-Atlantic Real Estate Investors Association 02/12/2013 Our Elected Representatives Are At It Again! Courtesy of the Property Owners Association, this is an alert that there is yet another attempt to start the process of rent control and increasing tenants’ power. House Bill 315 Contains Provisions Harmful to Landlords This bill has a number

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5 Winter Tips

Blog | January 24, 2013

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Buying a car? When to tell your insurance company

Blog | September 27, 2012

This is a great article written by Emily Terriquez from the Legal Examiner. As you probably know, it is against the law to drive a vehicle without the required insurance. Issues frequently arise when individuals purchase new vehicles. While state law generally gives you thirty days to transfer the title and register the vehicle with

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Cyber-Bullying:

Blog | September 13, 2012

Enclosed is a great article written by Lanier Upshaw Risk Managers. A study by the Workplace Bullying Institute in 2010 revealed in a U.S. workforce of 200 million people, 37% allege they were the victims of cyber bullies. This means for every ten people, at least three have been the victim of cyber-bullying. What is

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59% of Homes Are Underinsured

Blog | August 25, 2012

Did you know that 59% of homes are under insured? Unfortunately one of the most valuable tools to protect your home is often times the most neglected. Your home insurance policy. Enclosed is a great article written by Valeria Weber. According to Marshall & Swift/Boeckh, a leading provider of building replacement cost data, nearly two

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Top 10 Threats to Small Businesses

Blog | July 25, 2012

Great article written by Alyssa Dellacamera from E&B Insurance. Really hits the point of how small business owners should have a sound insurance protection plan. Optimism is the fuel that drives the entrepreneurial spirit, so it isn’t surprising that most small business owners consider themselves optimists. Too much optimism, however, can get a small business owner

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