Preparing for the Unthinkable

911_memorial_skylineSeptember 11, 2001 a day that we will never forget.  I can remember watching the chaos unfold from several states away from my friends and family.  Fortunately Nebraska can be pretty well insulated from many disasters.  Still all the same as Americans we felt the pain and fear that everyone on the east coast was experiencing. If you have a family or a business it is wise to create a disaster plan before rather than during the chaos.

Collectors Paradise: How Do You Protect Your Unique Treasures?


In 2007, the most expensive and rare baseball card in the world, a 1909 Honus Wagner tobacco card

sold at auction for $2.35 million dollars.  While most collectibles don’t come close to that kind of value, collections- whether it’s baseball cards, coins, stamps or art, tend to not only have sentimental value to their owner, but often financial value as well. If you own a collection, you’ll want to protect it. Here are a few things to consider when it comes to your collections:

Understand the monetary value of your collection. Even if you don’t spend upwards of one million dollars for anything in your collection, spending hundreds of dollars can add up quickly as your collection grows. It’s important to keep receipts from items that you purchase for the collection. If you’ve inherited a collectible or a full collection, ask for documentation of the monetary value of what you’ve inherited. Another option is to have the item or collection appraised. Insurance policies will often provide coverage for an item or collection at its “appraised value,” so having a regular appraisal of the collection can give you the information necessary to provide to your Gregory's Insurance professional so that they can obtain coverage that you’re comfortable with.
Document your collection. Obtaining the information on the value of your collections is a good first step towards maintaining good records of your collection in the event items are stolen or lost in what’s referred to as a “named peril” in your homeowners insurance policy such as a house fire. In addition to a listing of the items with a description of each item in your collection, a photograph or a video documenting the item will be helpful. Trusted Choice has a mobile application for iPhone and Android that includes a home inventory feature, using the built in camera in your smart phone .
Check to see if you need or want a special policy for your collection. For some collections, listing or “scheduling” them on your homeowners insurance policy will provide sufficient coverage. For some collections though, such as art, it may make more sense to obtain a separate policy- for items like art, antiques, musical instruments and coin collections, a Fine Arts and Valuable Items policy may be available for added peace of mind.  A Trusted Choice agent should be able to obtain this coverage for you.
Collections often have tremendous sentimental meaning to their owners in addition to whatever their monetary value is, and a proud collector takes the time and effort to protect the collection. A Gregory's Insurance professional can be a collectors best friend.

Changing Your Address Means Changing Your Insurance

May is National Moving Month and every year more than 40 million Americans will move, according to the American Moving and Storage Association. As you pack up your belongings and move across town or across the country, make sure you don’t forget to “pack” your insurance coverage.

Insuring Your Happily Ever After

happily_ever_afterGetting married and embarking on a new life together is one of the most exciting experiences in two people’s lives. It’s a time of hope, promise, romance and … reality. Whether a couple is planning their wedding or deciding where to live, there are a lot of decisions to make before saying “I do,” especially when it comes to insurance.

Insuring Your Growing Family

Having a baby can be a very exciting, emotional, and exhausting experience for a family, and while most parents remember a lot of the preparation details -- such as assembling the crib and installing child-safety locks -- updating their insurance may not be the first thing that comes to mind.
Whether you’re expecting, a new parent, or you know someone who is, it’s important to have the right insurance. Your Trusted Choice® independent insurance agent wants you and your growing family to be protected from all life’s possibilities, so we’re providing you an insurance checklist – no assembly required! – for expecting parents.

A Little Less than Supercalifragilisticexpialidocious: Insurance and Tax Issues with Nannies and Housekeepers

With more and more families every year having both parents work full time, there has been an increasing need for help around the house with childcare and chores like cleaning, laundry and running errands. If you’re hiring household help it’s important to understand how having domestic workers (including nannies, housekeepers, caretakers, etc.) around your home can impact not only your insurance coverage- both your auto and your homeowners- but also how it could have tax implications for you. If you don’t understand these issues, the result could be something quite atrocious.
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