As we navigate through an increasingly challenging economic landscape marked by rising costs and heightened concerns over cyber crime, consumers face an insurance market that is evolving at a rapid pace. At Heller Kowitz Insurance Advisors, our mission is to educate, design, and protect our clients, enabling them to understand current dynamics and make informed decisions […]
January is National Financial Wellness Month, a time when individuals are encouraged to reflect on their financial health and take steps to improve it. As part of a comprehensive financial wellness plan, insurance plays a crucial role in safeguarding your assets and ensuring peace of mind. Whether it’s life, health, auto, or homeowners insurance, having
Happy National Financial Wellness Month! Read More »
As we head into 2025, many of us have been making larger purchases, whether it’s jewelry, art, electronics, or other valuable items. It’s essential to take a moment to update your insurance policies to ensure that these new acquisitions are adequately covered. This step can provide you with peace of mind, knowing that your investments
Don’t Forget to Update Your Insurance Policies This Holiday Season Read More »
Life insurance has long been recognized as a vital financial tool, primarily for its death benefit, offering loved ones financial security in the event of an untimely passing. However, in recent years, the landscape of life insurance has transformed dramatically, evolving into a multifaceted financial product that plays a crucial role not only in risk
How Life Insurance Has Evolved: A Key Component of Your Retirement Plan Read More »
As we step into October, we not only welcome the changing seasons but also recognize an important observance: Cyber Awareness Month. In today’s digital age, cybersecurity has emerged as a critical concern for both businesses and individuals. With increasing reliance on digital platforms, the risk of cyber threats is higher than ever. This month, we
When was the last time that you looked at or updated your personal homeowners insurance policy? Have you made upgrades to your property, purchased new art or jewelry? Do you know what value your property is currently insured for? Have you taken into account the current market more importantly the major increases in building and
Are You Sure That The Personal Property Is Fully Accounted For? Read More »
At Heller Kowitz Insurance Advisors we hear a lot of misconceptions about insurance and how it actually works. We wanted to help debunk some of those myths, so you can feel more confident in choosing the right policy for you, your family, or business in the future. Insurance is necessary to protect you in today’s
10 Common Insurance Myths Debunked Read More »
Heller Kowitz Insurance Advisors, a partner of Unity Insurance is recommending that all homeowners check their insurance policies after unusually high inflation levels this past year. Standard policies only account for 1-2 percent increases on the value of your home every year. We are currently seeing home value’s rising closer to 9 percent, which means
Better Check Your Homeowners Policy Read More »
In early January, the state of Washington was the first to pass, the Long Term Care Trust Act. This this means that all residents living in the state of Washington now have to pay 58 cents for every $100 they earn into the states trust for long-term care. Although Washington state is the first in
Several States Consider Long-term Care Tax Read More »
Article from Philadelphia Insurance Cold weather freeze-ups can cause vital fire protection systems to malfunction. Cold temperatures can cause sprinkler piping to burst resulting in major water damage to buildings, contents, and equipment. Pipes bursting can also impair automatic sprinkler systems and leave a major portion of your facility without fire protection. A fire during
PREVENTING FREEZE UP – FROZEN & BURST WATER PIPES Read More »
 By the Mid-Atlantic Real Estate Investors Association 02/12/2013 Our Elected Representatives Are At It Again! Courtesy of the Property Owners Association, this is an alert that there is yet another attempt to start the process of rent control and increasing tenants’ power. House Bill 315 Contains Provisions Harmful to Landlords This bill has a number
 This is a great article written by Emily Terriquez from the Legal Examiner.  As you probably know, it is against the law to drive a vehicle without the required insurance. Issues frequently arise when individuals purchase new vehicles. While state law generally gives you thirty days to transfer the title and register the vehicle with
Buying a car? When to tell your insurance company Read More »
  Enclosed is a great article written by  Lanier Upshaw Risk Managers. A study by the Workplace Bullying Institute in 2010 revealed in a U.S. workforce of 200 million people, 37% allege they were the victims of cyber bullies. This means for every ten people, at least three have been the victim of cyber-bullying. What is
Did you know that 59% of homes are under insured? Unfortunately one of the most valuable tools to protect your home is often times the most neglected. Your home insurance policy. Enclosed is a great article written by Valeria Weber. According to Marshall & Swift/Boeckh, a leading provider of building replacement cost data, nearly two
59% of Homes Are Underinsured Read More »
Great article written by Alyssa Dellacamera from E&B Insurance. Really hits the point of how small business owners should have a sound insurance protection plan. Optimism is the fuel that drives the entrepreneurial spirit, so it isn’t surprising that most small business owners consider themselves optimists. Too much optimism, however, can get a small business owner
Top 10 Threats to Small Businesses Read More »