Chances are, if you’ve had a total loss on your home due to a fire or storm, you’re going to need to replace it. Hopefully you had Replacement Cost coverage on your homeowners policy. If you are going through the rebuilding process and wonder why the rebuilding costs are 30-40% higher than new construction, here» Read Full Article

According to a survey by Zogy International for MetLife Auto and Home, 31% of homeowners don’t know how much their home is insured for. Not only do we not know how much it’s insured for, most don’t understand that there are two very different coverage scenarios: Market Value and Replacement Value. In recent years with» Read Full Article

While the internet technology allows children unprecedented access to information and knowledge, it also leaves them potentially vulnerable to online predators and cyberbullying. Here are parental tips and the age-based children’s internet use guidelines that the American Academy of Pediatrics suggests: For Parents: Monitor you child’s internet use and content. Make rules regarding appropriate and inappropriate sites.» Read Full Article

This is a fantastic quick read from Kenneth S Trump posted on District Administration in September, 2010. One of particular interest for us – being a trusted advisor for so many schools in Wisconsin – the comment about non-traditional partners. Your insurance agency should most definitely be a part of these conversations. At R&R Insurance» Read Full Article

American Medical News is reporting that the AMA has adopted a policy saying that young athletes suspected of having a concussion should have written approval by a physician before they can return to play or practice. The policy calls for the AMA to promote the adoption of such a requirement for school and other organized» Read Full Article

All adolescents are at risk of cyberbullying, according to mental health professionals. But there are characteristics that make individuals more vulnerable to such harassment – and more likely to be a victim of cyberbullying. Most susceptible to cyberbullying: Individuals with a developmental disability Individuals with mental health issues Adolescents who are gay or lesbian, or those who» Read Full Article