Congratulation on your child’s achievement! As you prepare to send your child to college let’s review some important items. Is their “stuff” covered while at a dorm or off campus apartment? Generally, as long as your child is a full time student, was a resident of your house before moving to college, and is under […]
Child Leaving for College Read More »
You are thinking or have decided that separation or divorce is your only solution. What do you do now? We at Spencer Insurance Agency are not attorneys and do not provide legal advice. However, we understand that separation and divorce have a huge impact on your insurance coverage. Our goal for this article is to
Getting a divorce or separation? Read More »
Congratulations on your engagement! What do I do now that I am engaged? Insure your engagement ring Plan your wedding ceremony and reception Search the web for sites that help you plan your wedding. Ask people you know who were recently married how they planned their wedding. Purchase Wedding Insurance – Most people don’t know
By Charles J. Spencer, CLU What you will find in this report: What is Long Term Care? What is the cost of Long-Term Care? What is my best Long Term Care option? What options do I have to pay for Long Term Care? Does Long Term Care Insurance make sense for me? Are there any
Condominium Insurance The Basics: What You Need to Know About Insurance On and In Your Owner Occupied Condominium or Townhouse Understanding the Building Blocks of Insurance and Risk Reduction* As a prudent part of your investment, you need to place insurance – in addition to that provided by the association policies – on your Condominiums
A TV show I enjoy watching is called Myth Busters and it is on the Discovery Channel. They explore a myth each week to find if there is any truth to it. Well, let’s do a little myth busting ourselves. One of your most valuable assets is your earning ability. You drive an insured car,
By Charles J. Spencer, CLU What you will learn in this report: Why you need extra liability coverage – we will give you examples. How an umbrella policy works. How you can get this valuable coverage for pennies a day. Here are some examples of why you need extra Liability Protection. . . Would you
Spencer’s Tips On What You Should Do Before You Get Sue Read More »
By Charles J. Spencer CLU What you’ll discover in this report: How to protect your income if you get hurt… Surprising statistics on how commonly “average” people suffer an income- stopping disability… Why some kinds of so-called disability insurance are not enough… How much to buy…how much not to buy Insurance jargon demystified…and much, much more! People commonly think about insurance
If your parents don’t have an insurance policy or the funds to pay their own way in their later years, you can buy life insurance for your parents yourself, assuming they’re on board and can qualify for coverage. However, buying your parents life insurance isn’t like getting them a surprise birthday gift. To take out
Can I Buy Life Insurance on My Elderly Mom or Dad? Read More »
Imagine a world where you could actually park inside your garage. What if we told you that dream could be a reality with just a weekend’s worth of work? We rounded up expert garage cleaning tips and turned them into a five-step plan you can use to get your garage organized quickly and painlessly. Take
Garage Clean Out Tips Read More »
