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PersonalHub

Your one-stop resource for everything related to your financial well-being. 

 

Recent Posts

The Top 10 Flood Markets

Floods are the number one natural disaster in the United States,1 and unfortunately, many Americans do not have flood insurance to protect their homes and belongings. The following states have the most homes in the highest flood risk zones.1 Hover over each state to view declared [as defined by The National Flood Insurance Program (NFIP)] floods and natural disasters that have occurred since 1953.2

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Is Climate Change Increasing the Likelihood of Severe Weather?

When Hurricane Harvey hit Houston in 2017, it left over 200,000 damaged homes in its wake, and caused $125 billion in total damages. Of the houses and businesses affected by the storm, 80% were located outside of the 100 year flood plain. The vast majority of these property owners did not have flood insurance.

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How to Prepare for a Hurricane

When Hurricane Harvey hit Houston in 2017, it affected an estimated 13 million people in the Gulf Coast region. It claimed 88 lives, left over 200,000 damaged homes in its wake, and caused $125 billion in total damages. According to the National Hurricane Center, three out of five of the costliest hurricanes on record—Harvey, Irma, and Maria—occurred in 2017. Combined, these devastating storm systems racked up $265 billion in total damages to homes, businesses, and infrastructure in just one hurricane season.

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What Coverages Are Included in Auto Insurance?

When it comes to auto insurance, most drivers know that they need it, they know the basics about their policy choices—deductible, premiums, covered drivers—but rarely do consumers have a in-depth understanding of exactly what their policy covers. While it can be somewhat boring to pour through the pages of you insurance policy, it's important to understand the details of your coverage to ensure you aren't under-or over-insured.

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Protect Your Vehicle Value from Severe Weather

Over the last few years, severe weather events have become more common and damaging than ever, costing the nation millions of dollars in damages. As weather threats increase, protecting your possessions should be a priority; this includes your vehicle(s). Since vehicles are typically parked out in the elements, they are directly exposed to any type of weather that strikes them. Though vehicles are durable, they cannot withstand severe weather as much as your home—making them vulnerable to damage.

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The Rise of Auto Insurance Rates and How You Can Avoid Them

In the auto insurance world, the news of late is not good for anyone—auto insurers are making less money than they used to, and in an attempt to recoup some of their lost profits, insurers are charging higher rates for coverage. Here's the lowdown on why auto insurance rates are rising and what you as a policyholder can do to minimize the increases.

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Establishing Rules for Your First-Time Drivers

Handing over a set of car keys to your first-time teen driver can be exciting and frightening at the same time. Setting the right expectations and rules before they get behind the wheel can help you prevent potential accidents and keep your teen safe.

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Five Peculiar Things Covered By Insurance

When you buy a home, your lender requires that you secure a homeowners insurance policy, and you’re likely aware of how important it is to protect your home and your possessions from potential damage. Things like a bathroom flooding or home burglaries, unfortunately, happen every day so it’s necessary to protect yourself. However, did you know your policy may also protect you and your home and belongings from things that you thought only happen in the movies?

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5 Essential Home Maintenance Projects for Spring

Homeowners are encouraged to maintain their home in order to retain its property value over the long term. Warm spring weather offers a great opportunity for you to pursue home maintenance tasks that can improve the appearance and function of your property. Here are five tasks that you can do to upgrade your home.

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7 Ways to Lower Your Homeowners Insurance Premiums

As a homeowner, you’ve probably noticed that your homeowners insurance premiums have increased over time. This is completely common and to be expected, but that doesn’t mean you can’t take some steps to lower these costs. Take these seven suggestions to heart if you’re looking for ways to save some money on your premiums.

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