Category Archives: General Insurance

General Insurance is about billing, communication, service issues, department of insurance initiatives, flood insurance, commercial insurance, special types of insurance – boats, classic autos, snowmobiles, bonds and other general insurance topics not specifically called out by the other categories.

Now is the Time for Leadership

30
Nov
2008

In pondering the last few months economic devastation I have come to the conclusion that we at The Haas Agency must make some serious noise about the leadership role we can play helping families cope with very trying times. The […]


What is the Insurance Commodity Trap?

18
Nov
2008

The Insurance Commodity Trap© is a unfortunate situation in which many people find themselves. Many insurance companies have been marketing to the public that the most important consideration in the purchase of insurance is the cost. Cost is important, however, if cost becomes […]


How can I protect myself from identity theft?

9
Nov
2008

Identity theft is nothing new, but the “digital age” has made it easier than ever to gather, organize, and transmit large amounts of information—including the credit card numbers, Social Security numbers, and account information that identity thieves need to do […]


Will my homeowners cover me for Identity theft?

7
Nov
2008

There are two issues with regard to identity theft which must be addressed: How am I covered if money is stolen from my account or my credit is used to purchase something? How to I restore my good name if I am […]


Will my homeowners insurance cover . . . contractors? Part 3 of 3

2
Nov
2008

Most of us use a contractor at some point during our lifetime of home ownership. Have you ever wondered, though, what the consequences would be, if the contractor or his employees were injured on your property. What if they caused damage to […]


When was the last time a professional analyzed your protection?

12
Oct
2008

Insurance companies are responding to increased advertising competition by adding new benefits to their insurance policies. Some of these changes are added automatically and some have to be requested. An annual policy review is the ideal time to evaluate the […]


Is your protection portfolio cost focused or cost effective?

9
Oct
2008

A common mistake people make with their insurance is focusing on cost before focusing on protection. The small mistake here is to pay a little too much over time for the proper coverage. The really big mistake is having the […]


Is the protection you pay for completely integrated?

7
Oct
2008

Many people have auto, home, life, health and disability coverage. Unfortunately, some people unintentionally take the important matter of coverage coordination into their own hands without understanding where potential gaps in coverage may be hiding. You may be unaware how […]


People rebalance their investment portfolio, has your protection portfolio been rebalanced?

5
Oct
2008

Rebalancing protection means shifting premium dollars to pay for catastrophic losses while taking more personal risk for the smaller losses. It make sense to save money this way. We use basically the same principle when configuring the protection balance between […]


Boat insurance during winter?

2
Oct
2008

During fall and winter, many people terminate their boat insurance. This is not a good idea for two reasons: The refund is not pro-rated. Most boat policies are short-rated, which means that premium is “earned” in a period less than […]