Frank Laisch's Blog

As winter brings cool weather and a need for heat, it also brings a high risk of home fires. You can follow a few simple safety rules this winter to stay cozy without starting a fire that damages your biggest investment. 1. Be a candle snuffer: Scented candles lend warmth and spirit to the cold, ...

The last time you bought insurance, many consumers may have been surprised to find themselves signing a waiver allowing their insurance company to pull their credit score. Many motorists might ask, “What does my credit score have to do with my ability to drive a car safely?” Homeowners might simi...

Everyone knows that life insurance, health insurance and auto insurance are valuable and necessary products for a successful financial plan. But when it comes to renters insurance, many people believe that they can get by without a policy. They assume that they are covered under their landlord’s ...

Beginning in 2013, drivers will only have 14 days to seek initial treatment for injuries sustained in an accident. If they don’t go in within that initial period, treatment will not be covered.   Vehicle owners who experience a medical emergency will have limited access to their medical benefits,...

There are some significant changes in the Federal Flood Insurance Program coming January 2013 ·         Standard flood insurance premiums will increase an average of 5% for policies written or renewed after October 1, 2012.   ·         V Zone (coastal high-velocity zones) will increase more - bet...

The 2012 Atlantic hurricane season that spawned the destruction of Sandy and Isaac has come to an end as one for the record books. There were 19 named storms in what meteorologists consider an above-average year that tied as being the third most-active season since 1851.  The season runs from Jun...

There are some Unscrupulous people in all industries, and the bad few make it harder for all of us who are doing the right thing. Having a good Ethical practices is important for all of us. you and your company reputation is all riding on it, as well as possibly loosing your license and/or jail t...

Rental insurance is often considered the right kind of insurance to have when you live in a multi-unit apartment building or complex—and that’s because it is. But multi-unit buildings that have residents, who all rent their individual apartments, just like you rent yours, are not the only appropr...

Your home insurance policy may provide some coverage against the costs of identity theft, but is it enough?Identity Theft EndorsementsIn general, a special endorsement for identity theft insurance added to your home insurance policy will provide up to $15,000 in coverage for a small, additional p...

Condominium Insurance is designed to protect condo unit owners from many possible losses that occur. Most attached condos are covered by a homeowner’s association policy for certain potential claims, but there are many risks that are not covered, which has created the need for condo insurance. Co...