5 Tips for getting organized

5 Tips from Bolder Insurance for getting organized For many of us, one of our New Year’s resolutions is to be more organized. The good news is that unlike that other resolution we all seem to make each year, improving organization doesn’t require hours at the gym to see results. Here are five simple ways to have a more organized new year. Keep Lists  Reduce the stress of having to remember everything by writing it down. This works well for groceries, errands, and general “to-do’s.” You’ll be amazed at how much you get done. Technology today offers so many convenient options, it’s easy to find a solution that’s right for you. Between smartphone and tablet apps for taking notes and creating lists, 2017 is the year you should give something a try. It won’t take long to get hooked, and you’ll wonder how you managed without it. Reduce Paper Clutter  Take advantage of the electronic delivery and online payment services that your banks, utilities, credit card and insurance companies offer. If you already pay online, but still receive paper statements, it’s time to turn them off. I know you like the control, but you’re missing the convenience of auto-payments where bills are paid automatically … and on time! Not only do you eliminate late fees and paper files at home, you also reduce the risk of identity theft and make a positive impact on the environment. Start Prepping for Your 2017 Taxes  Yes, I know you haven’t even started on your 2016 taxes yet, but imagine not having to search high and low for all of your charitable donation...

What you need to know about gift Cards

Gift cards are more popular than ever, but consumer advocates say that billions of dollars in gift cards go unused each year. While a 2010 change in the law extended consumer protections by restricting fees and expiration dates, keep in mind that gift cards eventually expire. TIPS FOR USING GIFT CARDS If you have a gift card, be smart about how you use it, advises the Federal Trade Commission: Read any fine print on the card and take note of any terms and conditions. Check for an expiration date or fees. If it appears that the value of your card has expired, or that fees have been deducted, contact the company that issued the card. They may still honor the card or reverse the fees. Ask the person giving you the card for the card’s terms and conditions, the original purchase receipt, or the card’s ID number; keep this information in a safe place. Use your card as soon as you can. It’s not unusual to misplace gift cards or forget you have them; using them early will help you get the full value. Treat your card like cash. If your card is lost or stolen, report it to the issuer immediately. You may not recover any of the value that was on the card. Some issuers will not replace cards that are lost or stolen, but other issuers will, for a fee. You may need to show proof of purchase and the ID number on the card. Most issuers have toll-free telephone numbers you can call to report a lost or stolen card. A company that files for bankruptcy may...

Remember insurance as college students head back

Do you have a young adult heading off to college? College can be a fun time for the student but a stressful one for the parent. Reduce some of the stress by planning ahead to make sure your college student has appropriate insurance protection while away at school. Insurance companies cover full-time students under age 25 in various ways. You’ll want to consult a Bolder Insurance agent with questions about your specific policy and situation. There are three basic ways a student may have coverage: As a percentage of the personal property limit on the parents’ homeowner policy. Many insurance companies consider campus housing a secondary residence for the student and may cover your student’s possessions as a percentage of the personal property limit on your homeowner policy – personal property means items you can remove from your home or premises. For example, if you have $75,000 in personal property coverage, your student may have 10 percent of that, or up to $7,500, in coverage for belongings taken to school. Liability coverage – which insures legal liability for bodily injury or property damage to others – may not be included. As part of the personal property limit included in the parents’ homeowner policy. Some insurance companies offer broader coverage through their homeowner policies. These companies allow the parents’ personal property limit to include the student’s belongings and liability without defining a percentage. For example, if you have $75,000 in personal property coverage on your homeowner policy, this includes items you have in your home as well as those that your student takes to school, and liability coverage is automatically included....

Homeowners Insurance Shopping Tool

When you buy a new home you need insurance protection for what is probably the biggest investment you will ever make.  But when you buy a homeowners policy you will get much more than protection for your home.  Most homeowners insurance policies will not only cover the value of your home but also your personal property inside that home and provide liability coverage for you as a home owner.  Armed with a few pieces of information you will have a much easier time of shopping for homeowners insurance and understanding what it is that you are buying. How much Homeowners Insurance do you need? There is only one correct amount of coverage for your home:  the cost to replace your home if it were completely destroyed.  Keep in mind that the purchase price and your loan amount are irrelevant in determining the replacement cost of your home.  So how do you estimate your replacement cost?  You can get help determining that number from a number of different sources.  One good source of information is an appraisal.  If you are going to have a mortgage on your home, your mortgage lender will probably require an appraisal.  A complete appraisal will detail your home’s replacement cost and you will find a line item called “total estimated cost new” that will give you that number for replacement cost.  Another source of information is your insurance agent.  An insurance agent is not a home appraiser but should have good software tools to determine the replacement cost of your home.  With accurate information about your new home and a little experience, a good insurance...

In A Car Accident? Here’s what to do

In A Car Accident?  Here’s what to do Nobody likes to think about getting into an car accident, but it can happen to any driver at any time. Taking time in advance to think through the steps to follow after a car accident can help keep you and your passengers safe and simplify the process of filing an insurance claim.  At Bolder Insurance, we want to make sure you know what do.  Here is what todo if you are in an accident, and a free app for your phone to help you thru the process. Here’s what to do if you are in an accident: Activate your hazard lights, and place warning signs or flares to help other motorists see you. Contact the police, or ask someone else to do this if you cannot. Summon medical assistance if anyone is injured. Repeat the call after five minutes if no help arrives. Do not administer first aid unless you are qualified to do so. Make note of injuries you observe. Keep calm. Don’t argue. Make no statement concerning the accident to anyone except a police officer. Get the officer’s name, department and badge number. Be courteous, but do not accept responsibility or apologize for the accident. Use extreme caution when out of your vehicle at an accident scene and be mindful of traffic. Take scene and vehicle photos if you have a camera and can do so safely. Note and record the weather and lighting conditions. If another vehicle is involved, note whether headlamps or taillights are on, turn signals were in use, brake lights were working, or if there are any obvious...