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Flood Season Is Here…Are You Covered?

March 15, 2017

A Flood Insurance Update

Winter will soon be over, and the arrival of spring rain can lead to major flooding. In the past 5 years, all 50 states have experienced floods or flash floods. Flood insurance cannot be purchased during a flood. There is a 30 day waiting period once the application is processed. Therefore, it is a good idea to start thinking about flood insurance right now.

According to w ww.floodsmart.gov, the official site of the National Flood Insurance Program, at least 25% of businesses that shut down after a flood never re-open. According to the same source, only a very small percentage of homeowners buy flood insurance.

Many business owners and homeowners are under the mistaken impression that their insurance policies cover them for damages arising from floods. While your personal insurance and/or business insurance policy may cover water damage, flood coverage is excluded. Just like homeowner’s flood insurance, commercial flood coverage must be purchased separately in a dedicated policy.

Flood insurance policies cover physical damage to your property and possessions. You can refer to the Summary of Coverage to help you better understand your policy and coverage. (Read More)

At Neate Dupey Insurance Group we believe our greatest asset is the relationships we build with our clients and we are dedicated to being the right choice for all of your insurance and financial needs. We take pride in our ability to tailor a comprehensive package that maximizes your insurance protection while minimizing money out of your pocket.

2017 Insurance Buying Tips

February 2, 2017

Now that 2017 is here, it may be time to consider reviewing your personal insurance program. Most people don’t take time to review exposures, options, or their current economic condition before making their insurance purchase. We want to help you, so we prepared these insurance buying tips for 2017.

1. Don’t buy insurance through the internet – Call our agency and let us provide outstanding service along with competitive pricing.

2. Maintain good credit - Regularly check your credit score, since a low score may impact your premium.

3. Review your auto limits – If you have limits of less than $100,000, that won't even cover the medical bills in a serious accident. The minimum liability coverage that anyone with any assets or income to protect should be carrying is $500,000 to $1 million or more.

4. Maintain a home inventory – Having an accurate account of your personal property can provide for greater recovery in the event of a loss.

5. Bundle your insurance – Combine your auto, home and umbrella policies with one insurer to receive greater discounts.

6. Set the right deductible - A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident. If you have a good driving record and haven’t had an accident, you may want to gamble and opt for a higher premium. The reward for this risk could be up to a 40% savings.

7. Consider Identity Theft – Identity theft is one of the fastest growing crimes in the U.S.

8. Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy. The insurance company should have an “A+” rating or higher.

9. Call us today and let us help protect what is important to you.

At Neate Dupey Insurance Group we believe our greatest asset is the relationships we build with our clients and we are dedicated to being the right choice for all of your insurance and financial needs. We take pride in our ability to tailor a comprehensive package that maximizes your insurance protection while minimizing money out of your pocket.

Put Health On Your To Do List

January 2, 2017

Happy New Year From All Of Us at Neate Dupey Insurance Group!

2017 is just beginning and we want to help you start the year as healthy as possible. With all the changes in healthcare it is very important to maintain your health. We thought it would be good to identify a few things you can do now to help you manage your health. You don’t have to make all these changes immediately, but if you work on one each week you will start setting positive patterns for your health. Even doing a few small things can have a positive impact on your health and attitude.

Make sure you schedule your annual checkup now!
Try to exercise at least three times per week. Endorphins are magical. When you exercise, your brain releases the feel-good chemicals, giving you an instant mood boost. Additionally, try to take your workout outdoors.
You can let your body guide you, selecting the fresh fruits and vegetables, grass-fed meats, and raw milk cheeses that appeal to you most.
Drink more water.
Eliminate processed foods from your meals.
Understand your individual health and body type. Buy a Fitbit or other device and start to track your exercise results.
Pay off debt. Studies show that financial stress can lead to mental health issues
Try to get 8 hours of sleep every night. If you are getting less sleep every night than the recommended seven or eight hours, try this recipe for a week; turn off your devices, squash the lights, and go to bed an hour earlier. See what a difference it can make.

At Neate Dupey Insurance Group we believe our greatest asset is the relationships we build with our clients and we are dedicated to being the right choice for all of your insurance and financial needs. We take pride in our ability to tailor a comprehensive package that maximizes your insurance protection while minimizing money out of your pocket.

How To Survive The Holidays

December 11, 2016

We are full steam ahead; the Holiday rush has begun. Beyond getting the flu vaccine, there's a lot you can do to help your body weather the season. Allison Aiello, Ph.D., a professor of epidemiology at the University of North Carolina offer a few words to help us survive the Holidays.

Get plenty of sleep.
Alcohol use has been associated with an increased risk of certain cancers. If you drink, do so in moderation.
As you prepare holiday meals, keep yourself and your guests safe from food-related illness. Keep raw meat, poultry, seafood, and eggs (including their juices) away from ready-to-eat foods and eating surfaces
Wash your hands at least three times per day.
Before you attend a party or are sitting down to eat a big holiday dinner, make sure to fill up on plenty of water. Water fills you up and is good for you in just about every way.
Depression and suicidality increase during the holidays. Watch for signs of depression among your friends and family.
Take more walks. Physical activity is the clearest step you can take to benefit your health during the holidays and any time of year.
Spicy foods boost your metabolism so enjoy hot peppers, hot sauce, cayenne pepper and the like when cooking your favorite dishes or vegetables.

Enjoy the season…Happy Holiday!

Are You Shopping Online This Holiday?

November 20, 2016

Personal Insurance Update

The holiday shopping season is upon us, and many of us are searching our favorite web pages for the best deals on the items that top this year’s wish list. Last year, cyber Monday was the year’s single biggest day for shopping, generating over 2 billion dollars in sales. This year, consumer experts predict an even bigger day. However, this online activity is also a big day for cyber criminals.

We recommend that you have us review your personal insurance to make sure you have the right kind of insurance, including identity theft protection, to protect you and your family throughout the holiday season.

Holiday Cyber Safety Tips

Use a credit card rather than a debit card. It is easier to resolve issues.
Make sure your computer has updated security software. Verify that your antivirus software is up-to-date with the latest virus definitions, and that useful features like real-time scanning are enabled.
Update your passwords and make sure they are strong. Do not use 1234 as your password.
Don’t open email advertisement for sources you do not know.
Use only familiar websites.
Check you statements to make sure charges are correct.
Always log out of websites after your shopping is complete. Cookies can often keep you logged into accounts even after you close the browsing tab, an obvious no-no. Get in the habit of clicking the "log out" button.
Try not to do your online banking on the same computer you use to shop online.
An extremely important online shopping safety tip is to keep your personal information protected. No store needs your social security number or your birthday.

The National Retail Federation predicts that

51 percent of adults will do online browsing with their mobile devices to find gifts. If you use your smart phone or tablet to shop, make sure that you are only browsing safe, well-known sites.