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Hobe Sound, FL 33455
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Are You Making These Insurance Blunders?

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Alan Corenk

Is Your College-Bound Child Properly Insured?

Sending a child to college is never simple. After years have been spent planning for the children's financial future, their leaving home for the first time marks a milestone for anxious parents and children alike.

Unfortunately, in the midst of all the planning and preparation, many parents forget one of the most important steps, and that is ensuring that their college-bound child is properly insured.

Following are some tips to make sure you're all prepared to start the school year without fear:

Home Away From Home: Verify that your homeowner policy covers personal possessions taken to college. Remember, most policies protect valuables up to a percentage of your total possession coverage. It may be necessary to purchase additional coverage in the form of a rider, especially if your child engages in expensive hobbies. Before packing up, take time to clearly label all belongings and take photographs, as that action will provide important documentation should a problem arise.

Hit the Road: Adding your college student to your auto policy is something you may have done years ago, but be sure to update the policy to reflect the new location of the student ... and the vehicle. If the family car is left at home, you might be happy to encounter a big discount. On the other hand, out-of-state college students might come out ahead by purchasing an individual auto policy, especially if they have good driving records. Encourage students to keep their grades up and avoid erratic driving behavior in order to qualify for the best possible rates.

Health Coverage: Under health care reforms, parents may be able to include students on their health insurance policies until they reach the age of 26. Be sure to review the providers available in the new location. For those seeking affordable individual coverage - especially for out-of-state students - check out the options provided by the college itself. Most provide free or very low-cost routine care via a health center with special prices for students. Be sure to review the options to determine which plan best suits the needs of your child and family budget.

Beware of These Common Auto Liability Blunders

For most people, buying auto insurance is like filling the gas tank. They do it once and then forget about it until it's needed again.

Unfortunately, many people don't have as much protection as they believe.

There are a number of common mistakes drivers make when purchasing auto liability insurance.

That's why drivers should work with an agent to pick the right protection for their specific needs.

Following are some pitfalls to avoid when purchasing auto liability insurance:

Purchase the Legal Limit: One of the most common mistakes is purchasing the minimum amount of liability coverage required by your state. While it might seem like a great way to save money in the short term, it's often a big mistake. Remember, liability protection provides payment in the event that you are at fault in an accident. Property damage, medical bills, and even pain or suffering may exceed the limits of liability, leaving you personally responsible for the remainder of the bill.

Failure to Name Other Drivers: In order to hold costs down, some drivers limit coverage to their personal use of the vehicle. If you ever loan your vehicle to friends or family, even for a short period of time, be sure to name other drivers on the policy.

Consider Your Personal Protection Needs: Don't assume other drivers are as responsible in their decisions to purchase the right levels of insurance. Instead, make sure you have adequate coverage to protect your own interests in an accident, including medical coverage.

How to Give Your Home a Light and Airy Feel

The properties of natural light are well-known. It expands your space, brightens dark corners and gives your home an airy feel. If you're selling your home - or even if you're not - try adopting some designer tricks to increase your home's natural wattage.

Paint is one of the least expensive and most effective ways of lightening up your home. Light colors reflect light and bounce it back, making a space look larger. And yes, painting your woodwork cream or white is allowed and does increase your light quotient.

Mirrors also bounce back natural light, but they should be used sparingly. Bring in the outdoors by hanging a mirror opposite a window.

Light-colored gauzy curtains or plantation shutters also contribute to that airy look. Louvered blinds can be tipped to take advantage of the sunlight as it makes its way around the room. And don't forget that slipcovering your furniture in lighter-colored fabrics is another easy way to lighten up.

If you're prepared to make structural changes, adding a skylight to a dark room is effective, but trimming back outdoor trees and shrubs that are filtering the light may do the trick for less money.

Who Should Be Your Life Insurance Beneficiary?

Deciding how much coverage you'll need isn't the only thing to think about when purchasing life insurance.

You'll also have to determine the most appropriate beneficiaries.

You can name three types of beneficiaries on a life insurance policy. The three types are:

• Primary
• Contingent
• Tertiary

The primary beneficiary will receive the benefit if he or she is alive at the time of your death.

If the primary beneficiary is deceased at the time of your death and you haven't updated your policy, the benefit will go to your contingent beneficiary.
Similarly, if the contingent beneficiary is deceased at the time of your death, the benefit will go to your tertiary beneficiary.

When selecting a beneficiary, the most important factors may be whether you're married or single and whether you have children.

If you're married without children, you may want to name your spouse as your primary beneficiary and a sibling or a parent as your contingent beneficiary.

If you're married with children, you may want to name your spouse as your primary beneficiary and your children as your contingent beneficiaries.

If your children are minors at the time of your death, their guardian will receive the benefit on their behalf.

If you're single with children, you may want to name your children as your primary beneficiaries and a sibling or a parent as your contingent beneficiary.

If you're single without children, you likely have more options. For example, you might want to name a sibling as your beneficiary.

You can also create a trust and name it as your beneficiary or name a charitable organization.

Beneficiaries are easily changeable, so don't feel stuck with a decision.

Also, remember to update your beneficiaries after any life changes, such as a death or divorce.