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HSBR Insurance
9055 SE Bridge Road
Hobe Sound, FL 33455
772-546-7292
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Please note that our office will be closed on December 23rd & 26th and again on December 30th for the holidays.
Are You Making These Insurance Blunders?
When it comes to buying insurance, what you don’t know can hurt you…and your family…for years to come.
Learn how to identify the top ten insurance mistakes and what you can do about them with my free guide, "The Top 10 Insurance Blunders - and How to Avoid Them."
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What kind of animals live in an apiary?
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Recipe: Squash and Carrot Stew
Serves 6
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2 tablespoons vegetable oil
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1 cup chopped onion
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3 garlic cloves, chopped
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2 teaspoons paprika
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1 teaspoon salt
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½ teaspoon ground black pepper
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½ teaspoon ground cumin
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½ teaspoon turmeric
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½ teaspoon ground ginger
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¼ teaspoon cayenne pepper (optional)
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1 cup water or vegetable stock
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1 14 ½-ounce can diced tomatoes
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1 lemon, juiced
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3 cups cubed butternut squash, peeled and seeded
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2 cups cubed carrots
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¼ cup chopped cilantro
Heat the oil in a large saucepan over medium heat. Add onion and saute until soft, stirring often, about five minutes. Add garlic and continue stirring for one minute. Stir in paprika, salt, pepper, cumin, turmeric, ginger and cayenne, if using. Add water, tomatoes and lemon juice.
Bring to a boil, then add squash and carrots. Cover and simmer over medium-low heat until vegetables are tender, stirring occasionally, about 20 minutes.
Season to taste with salt and pepper. Stir in chopped cilantro right before serving.
Worth Quoting
This month, some well-known quotes on the subject of gifts:
Each day provides its own gifts.
American Proverb
Purchase not friends by gifts; when thou ceasest to give, such will cease to love.
Thomas Fuller
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In Your 20s? Consider Life Insurance Now
No one wants to think about his or her own mortality, especially the young and healthy.
However, individuals in their 20s may want to consider it.
That's because the best way to get the right kind of life insurance coverage when you need it is to buy it when you don't.
Following are three good reasons to consider buying life insurance when you’re relatively young:
You Have Debt:
Debt includes mortgage, student loans and credit card balances.
If you died in an accident, who would pay off your debts? Your parents? Life insurance ensures that you don't become a financial burden to those you love.
You Have Dependents:
Who depends on you? A partner? A child? Other family members? And how would they fare if your income disappeared?
Would they be able to live and retire on their own?
Life insurance ensures that they have time to get back on their feet.
It's Cheaper When You're Younger:
Waiting until you need life insurance is the worst time to buy life insurance.
That's because the rates go up as you age. Buying now locks in affordable premiums for decades to come.
If you don't have life insurance and want it, you'll need to calculate how much you need.
Even if you're covered by life insurance through your employer, you may want to find out how much is provided and determine if you need more.
One rule of thumb is to take your family debt, add $20,000 for funeral and taxes, add $60,000 per child for education, then add 20 times the annual income you want to replace.
That may sound like a significant amount of life insurance, but again, when you're young it's relatively inexpensive - and what better place to put a little of your insurance money?
Simple Food Ideas for a Jolly Holiday Season
 It's difficult to believe that the holidays are upon us once again, but it's time to start the preparations. You can make this year's festive season stress-free and memorable with some simple food ideas.
The holiday season should be about having a good time with your friends and family and not about feeling stressed or overwhelmed. Take some pressure off your gatherings by preparing dishes ahead of time that only need to be reheated before serving.
Do you have friends and family who also like to cook? Ask them to bring an appetizer or side dish to give you more time to prepare an impressive main course.
One idea is to cook a 10-to-12-pound baked ham in the oven, baste it with a mixture of ½ cup brown sugar and six tablespoons Dijon mustard. Brush the mixture on about every 20 minutes.
For an irresistible dessert, boil two cans of condensed milk in a pot of water for two to three hours. Carefully remove and cool. When you open the cans you'll have homemade milk caramel that can be spread between layers of chocolate cake or used as a dip for fruit or brownies.
Your home will smell like the holidays with this mixture simmering during your gatherings: cinnamon sticks, bay leaves, cloves, lemon slices, orange slices and always enough water to cover.
Take a deep breath and allow all your senses to enjoy this holiday season.
Trip Canceled? No Problem With the Right Insurance
So you're going on that dream vacation. The trip is booked, the bags are packed and you're ready to go. But have you purchased your trip cancellation insurance?
In all the excitement of the new trip, you might think such insurance is like a used car warranty where you end up paying too much for something you never use. You can't imagine that anything would happen to ruin your upcoming adventure.
But stuff happens, and when it does - whether traveling within the U.S. or in a foreign country - it can crimp your plans. Hurricanes and snowstorms can shut down travel, the company you're booked with can go out of business, or you or your children may get sick while traveling.
Without trip cancellation coverage, you could suffer a financial loss as well as not enjoy the trip of your dreams.
With trip cancellation coverage, however, you can get reimbursed for the following: emergency evacuation/medical air evacuation/repatriation of remains; return of a minor child; trip cancellation/interruption; accidental death, injury or disablement benefit; overseas funeral expenses; curtailed or delayed departure or missed connection; lost, stolen or damaged baggage, personal effects or travel documents; delayed baggage and emergency replacement of essential items; legal assistance; a flight connection that was missed due to the airline schedule; travel delays due to weather; a medical emergency; and hospital care due to an accident or sickness.
Being properly protected will give you peace of mind when things don't go as planned.
Ensure Your Peace of Mind Amid Rising Prices
When inflation is to our disadvantage, we feel it everywhere.
It hits our pocketbooks at the grocery store and gas pump, and we may not take as many vacations or have as many toys.
But there is one place where you don’t have to feel the ill effects of the rise and fall of inflation. That place is your insurance policy.
Did you know that your property limit can be adjusted to keep up with inflation so that you have enough coverage in case of a total loss?
There is a provision in both personal and commercial policies to adjust the building insurance limit based on a chosen percentage of the current year’s building value.
It is called an inflation guard.
Depending on your insurance company, you can use this to choose between 2% and 8% of the building limit.
The following example illustrates how the inflation guard works.
In year one, if you have a $100,000 building limit with a $1,000 deductible and the building is a total loss, you would pay the first thousand and the insurance carrier would give you a check for $99,000.
In year two, if you carry the same $100,000 limit and have the same $1,000 deductible and there has been a 4% spike in inflation, if your building is a total loss, you would pay your deductible and the carrier would still pay you $99,000.
You would make up the difference of any additional costs after that to replace your property.
However, if there was a 4% inflation guard on the policy, the building limit would automatically increase to $104,000 to account for the increased cost to replace your home or building.
In a total loss, you would pay your deductible and the insurance company would give you a check for $103,000.
Now that’s peace of mind.
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