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This discount is available to drivers in all inexperienced operator rate classes who are enrolled as full-time high school, college or university students at an accredited educational institution, and either maintain at least a "B" or "3.0" grade point average or are included on the "Dean's List," "Honor Roll," or comparable scholastic achievement list.

The discount is based on rate class: Class 17 and 18 – 15%; Classes 20, 21, 25 and 26 – 10%. It applies to Bodily Injury (Part 1), Personal Injury Protection (Part 2), Property Damage (Part 4), Optional Bodily Injury (Part 5), Medical Payments (Part 6), Collision (Part 7), Limited Collision (Part 8) and Comprehensive (Part 9).

To be eligible, the student operator must have a driving record with fewer than 3 points under the SDIP plan. The student must supply a report card, transcript or certified statement from the school indicating the academic requirement was met during the semester immediately preceding the policy effective date.

The discount may not be endorsed mid-term, and must be requested before each policy renewal for which the student is eligible (based on grades and inexperienced operator classification). The Student Away at School discount cannot be selected in conjunction with the Good Student discount. The higher of the two discounts should be applied. All other eligible discounts apply.

To be eligible, the student operator may not have regular access to the covered vehicle while at school or on weekends. The discount would still apply when the student is home on breaks and summer vacation as long as they remain enrolled at the school and reside on or near campus during the regular school year.

This discount is available to drivers in all inexperienced operator rate classes who are enrolled as students and reside at an accredited educational institution located more than 100 road miles from the auto's principal place of garaging.

The discount is based on rate class: Class 18 (occasional use, 3–6 years experience) – 5%; Class 17 (principal use, 3–6 years experience) – 10%; Classes 20, 21, 25 and 26 – 15%. It applies to the same coverages (Parts 1, 2, 4, 5, 6, 7, 8 and 9) as the Good Student discount.

The Student Away at School discount cannot be applied in conjunction with the Good Student discount. The higher of the two discounts should be applied. All other eligible discounts apply.

Because of the high incidence of Identity Theft you can now obtain coverage on your homeowner's policy to protect yourself from the high cost of restoring your name and credit.

Each year millions of Americans fall victim to Identity Theft and may spend months – even years – and their hard-earned money restoring their good names and credit records. Your doors and windows may be carefully locked, but identity thieves know no bounds.

For comprehensive tips on how to protect your good name and credit record, refer to the Federal Trade Commission.

By keeping an accurate inventory of your personal possessions you could save hundreds, even thousands of dollars at the time of a loss. If your home were burned, vandalized, or destroyed in some other way, could you remember the value of each and every item? Keeping an inventory will also help you determine how much insurance you should carry. You may be surprised by the value of your accumulated possessions.

In addition to your inventory sheets, another way to supplement your inventory is by taking a picture or video of each room in your home after you have finished cataloging the contents.

After you have your inventory complete, be sure to keep it in a safe place away from your home such as a relative's home, or bring copies of the inventory and pictures/video to our office for safe keeping in your file.

In the event that your wallet is lost or stolen, would you have all of the credit card numbers and telephone numbers on hand to be able to call and report the card lost or stolen? It is also a good idea to create a credit card inventory sheet in the event this ever happens.

Why do I need a Personal Umbrella policy?

Jury awards and out-of-court settlements routinely run into hundreds of thousands or even millions of dollars. Add to this the cost of legal fees, and the expense becomes staggering. An unexpected catastrophe could result in a large judgment against you. Without adequate protection, your current assets could be placed in serious jeopardy.

A Personal Umbrella policy could protect you against excess liability judgments for loss, injury, or even death caused by negligent acts. It is designed to provide liability protection over and above the insurance policies you currently have.

Consider the following example: One evening a 17-year old took his parent's car out for a drive. He crossed over a median and collided head-on with another vehicle. Two passengers in the other car were killed, and a third was seriously injured. The 17-year old driver was found negligent and ordered to pay $1.5 million to settle the injury claims. The parents had an auto policy with a $300,000 per claim liability limit. Fortunately the parents carried a Personal Umbrella policy. The auto policy paid $300,000, and the Personal Umbrella policy paid the remaining $1.2 million.

With a Personal Umbrella policy, you are covered if the limits under your primary policy are used up. Your assets, as well as your future earnings, are protected. Your current insurance will protect you against a minor misfortune – but it probably would not give you the needed protection against a catastrophic loss.

What does a flood policy cover?

Residential building coverage insures a house or dwelling, attached and detached garages, as well as certain permanently installed fixtures such as built-in dishwashers, permanent shelving and cabinetry, furnaces and radiators, hot-water heaters, plumbing fixtures, stoves, ovens and refrigerators.

Residential contents coverage insures most of your personal property and belongings, including clothing; furniture, housewares and bedding; decorative items, lamps and lighting fixtures; books and home electronics; area rugs and draperies; clothes washers and dryers; air conditioners; food freezers and the food in them; and portable microwave ovens.

Coverage in basements: flood insurance covers structural elements, essential equipment and other basic items normally located in a basement, such as unfinished drywall for walls and ceilings (including nonflammable insulation); electrical junction and circuit breaker boxes and required utility connections; central air-conditioning units; furnaces, hot-water heaters, fuel tanks and the fuel inside them, and heat pumps; light fixtures; foundation elements; and cleanup. However, it does not cover basement improvements such as finished walls, floors or ceilings, or personal belongings left in a basement such as furniture and other contents.

What is a flood?

Flooding is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from: overflow of inland or tidal waters; unusual and rapid accumulation or runoff of surface waters from any source; mudflows; or collapse or subsidence of land along the shore of a lake or other body of water, as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood.