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Homeowners - Beware of Business Exclusions

A home-based business may void all coverage on your garage/shop.If you have a “home-based” business - even if part-time - at your home residence premises, there are serious insurance coverage issues that need to be...

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Q & A: How can I find out if a home has had any serious claims?

We printed this Q&A column in the June 10, 2017 edition of The Lewiston Tribune. Q. Before I buy a new home, how can I find out if it had any serious claims? - A. Before you buy a home a little detective work can...

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Dog Bite Claims Up 18% in 2016

Dog bites and other dog-related injuries accounted for more than one-third of all homeowners liability claim dollars paid out in 2016, costing in excess of $600 million, according to the Insurance Information Institute (...

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10 ways to prepare your home this fall

Cool, crisp fall days are a wonderful time in the Lewiston-Clarkston valley and on the Palouse -- if your home is ready for them. Yes, this is the time of year to fix small problems before they become big, and big ones...

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Homeowners Claims & Premiums Rising

The cost of homeowners insurance claims has been increasing at twice the rate of inflation. This is according to a new report from the Insurance Research Council (IRC). Despite significant declines in recent years, the...

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2013 Insurance Rate Forecast

Premiums for insurance is expected to continue a modest rise in 2013. By John B Sullivan, CIC President, AMERICAN INSURANCE Like our political climate "more of the same" is expected. Loss experience improved over 2011's...

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Homeowners Claims Rise Rapidly

The cost of homeowners insurance claims has been rising rapidly! The combined effects of rising claim severity and increases in claim frequency were found in the study released by the Insurance Research Council (IRC) on...

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10 Tax Tips for Home Sellers

If you have sold or are selling your home this year you may be able to exclude all or part of that gain from your income. Check out these ten tax tips from CPAs, Su Brown and Associates, PLLC.

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Hail & Windstorms Cause Major Damage

The rumble of thunder, the crack of lightening, the rush of windstorm, the clatter of hail stones - thunderstorms can bring devastation to your property and your autos in a flash. How does your own insurance respond to...

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Bad Dogs Bite All Home Owners

Dog bite claims continue to grow in numbers and cost which increases premiums for all Homeowners Insurance. In fact, from 2003 to 2011, the cost of the average dog bite claim increased by 53.4 percent. Dog bites...

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Top 10 Contents Items Claimed

Which personal property items were the top insurance claims in 2011? Jewelry losses were the big ticket items in value and volume for property insurance claims made in 2011 according to Enservio's annual Contents Claims...

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What FBI Says Is US #1 Threat!

Cyber security is becoming our nation's number-one threat according to FBI Director Robert S Meuller, III in comments made at the Cyber Security Conference in San Francisco. The following are excerpts from his comments...

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Market Forecast 2012

The headlines of 2011 mark the worst year ever recorded for insured losses across the globe. Worldwide natural disasters - earthquakes, tsunamis, tornadoes, hurricanes, flooding, winter storms, and unusual freakish...

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US Home Ownership Lowest Since 1998

Stricter lending standards blocked purchases and foreclosures forced people out of their residences resulting in U.S. home ownership rate falling to the lowest level since 1998 in the second quarter reported ...

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Traveling? Bedbugs are hitchhiking!

Experts fear we are on the threshold of a bedbug pandemic! It's a public relations nightmare for hotels in major cities across America. Begbugs have checked in and guests are checking out! These are uninsured losses...

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The Most Common Household Fire Only You Can Prevent!

What household appliance causes more than 1,000 residential fires per month in the US? The answer... your clothes dryer! They are a modern marvel and an indispensable convenience. We use them constantly and they work...

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Identity Theft #1 FTC Complaint in 2010

Identity theft was the number one complaint category in 2010 according to the Federal Trade Commission (FTC). Between January and December 2010, the FTC's Consumer Sentinel Network (CSN) received more than 1.3 million...

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WIND DAMAGE - Am I Covered?

Answers to questions about wind damage to your home, fences, tree removal and liability to others. The recent windstorm of November 16th brought us a storm of more than 50 phone calls regarding wind damage claims. The...

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Dog Bite Claims Top $400M in 2009

Dog bites accounted for more than one-third of all homeowners insurance liability claims paid out in 2009, costing $412 million and up 6.4 percent from 2008, according to the Insurance Information Institute (I.I.I.)....

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