NEWS & ARTICLES FROM Al Bardayan Agency, Inc.

Basics of Extended Homeowners Replacement Coverage

When purchasing coverage for their home, too many policyholders often make the mistake of simply insuring it for the resale value. However, should a flood, storm or other event occur, they may find that the cost to rebuild far exceeds the original purchase price. This discrepancy can occur for a

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Uninsured and Underinsured Motorists

Unfortunately, many people wrongly assume that auto and umbrella insurance policies will provide reimbursement for all aspects of an accident on the road. Instead, both of these policies cover your own liability and provide compensation to others in the event that you are responsible for an accident. However, if another

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Latest Safety Features for New Car Shoppers

Vehicle technology seems to advance each year, as new features improve driver and passenger safety. The following are just a few driver-assist features to be aware of the next time you’re in the market for a new vehicle: Adaptive cruise control: This type of cruise control automatically speeds or slows

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The Independent Agent Advantage

What do I give up by not using a licensed independent agent to purchase insurance? The disadvantage of not using a licensed agent to purchase insurance is that the policyholder does not receive as much, or often any, personal service. A licensed agent with whom there is direct contact can

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Lightning and Summer Storms

Lightning storms are incredibly dangerous and more deadly than tornadoes, floods and hurricanes. When a storm is on the verge of striking your area, you need to know the steps to take in order to protect your family and home. Use these tips to stay safe during a lightning storm:

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Quick Tips for Safe RV Usage

Recreational vehicles (RVs) can be a fun way to see the country and spend time with your family. However, because they’re bigger and heavier than an average car, there are additional hazards that come with owning and operating an RV. Many RV accidents can be avoided by following these helpful

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Is Gap Coverage Right for You?

Guaranteed asset protection, or gap insurance is an optional automobile coverage that helps you transfer the financial risk if you are involved in an auto accident and you owe more for your vehicle than the amount that it’s worth.

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Making Sure You Have the Right Auto Coverage

Dropping some of your coverage—like comprehensive or collision—to the lowest legal level can cut your premium, but it could also put you at serious risk. An automobile insurance policy is designed to provide you with a level of protection against property, liability and medical costs if you are involved in

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Are You Prepared for a Home Break-in?

While it may be difficult to imagine it happening to you, home break-ins are a common occurrence. If an intruder enters your home, your property and the well-being of your loved ones are at risk. In order to protect your home and family from an intruder, consider doing the following:

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Remember Risk! Planning for Financial Stability

Obtaining the peace of mind financial stability brings starts with reviewing your current financial resources. This is important because your financial resources affect not only your ability to reach your goals, but your ability to protect those goals from potential financial crises. These are the resources you will draw on

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Christmas Safety Reminder for Home or Office

For many of us, the holiday season is a time of joy, celebration and tradition. We look forward to hosting or attending festive gatherings or concerts. We travel near and far to share in the spirit of the season with family, friends and co-workers. We cook more, shop more and

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Insuring Your College Student

When your child leaves for college, it is a big event. One thing that you should think about is your insurance coverage and how it could change with your son or daughter away at school. Protecting Your Student’s Belongings Many homeowners policies consider a dorm room as an extension of

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Boat Insurance for Smooth Sailing

You can insure just about any kind of vessel, whether you have a yacht, speed boat or personal watercraft like a JetSki. Every type of boat has the potential to be stolen or damaged, and can be involved in an incident that results in harm to another person or their

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Grilling Safety Reminders For Your Summer BBQ

Though grilling is an extremely popular way to prepare food in the summer, it can also be dangerous. According to the U.S. Fire Administration, gas and charcoal grills account for an average of 10 deaths and 100 injuries annually. Additionally, the National Fire Protection Association reports that an average of

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Summer Water Safety Refresher

Summer Water Safety Refresher Teach children water safety and swimming skills as early as possible. Always brief babysitters on water safety, emphasizing the need for constant supervision. Appoint a “designated watcher” to monitor children during social gatherings at or near pools. Equip doors and windows that exit to a pool

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Facts About Flash Floods

Flash floods occur as a result of heavy rainfall, rapid snow thaw, city drains overflowing or dam/levee failures. They occur quickly and unexpectedly, within 6 hours of the events that caused them. Here are more facts to give you an idea of how dangerous flash floods can be: Every region

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Teens, Social Media and a Parent’s Liability

For many the high school experience comes with social pressures and obligations to fit in and belong, and sadly this can lead to exclusion and isolation of some students. At some point everyone probably said something in their teen years in the heat of the moment that they now wish

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Home Inspections Before Winter Weather Comes

This time of year can be just great here in . However, you won’t get much fireside snuggling done if your chimney clogs or your roof springs a leak. And while prepping your home for winter weather isn’t much fun, once you do it, your peace of mind can last

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5 Big Insurance Mistakes

TRYING TO SAVE MONEY? AVOID THE FIVE BIGGEST INSURANCE MISTAKES. With far too many Americans out of work, and others forced to make ends meet with less money, many people are looking for ways to cut costs. There are smart ways to save on home and auto insurance; however, there

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Scheduling Under Homeowners

SCHEDULING ITEMS UNDER YOUR HOMEOWNERS INSURANCE Perhaps it’s the latest electronic gadget or large screen hi-def television, or new sporting goods gear or maybe a piece of sparkling jewelry. If you happen to receive or purchase a particularly expensive item, you may consider purchasing extra protection, just in case. Why

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