FROM THE I.I.I. DAILY: OUR MOST POPULAR CONTENT, NOVEMBER 26 TO NOVEMBER 29

Here are the 5 most clicked on articles from this week’s I.I.I. Daily newsletter.

• America’s Best Driver Report 2018, Allstate
• U.S. life expectancy falls further, Wall Street Journal
• Forgiveness isn’t free—and it raises your insurance costs, MarketWatch
• Consumers sue potato chip maker over use of ‘Hawaiian’ brand, AP News
• InsurTech entering its second wave, Deloitte

To subscribe to the I.I.I. Daily, please email daily@iii.org.

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FROM THE I.I.I. DAILY: OUR MOST POPULAR CONTENT, NOVEMBER 26 TO NOVEMBER 29 was originally posted by ClaimsMate.com Insurance Information Resources

University of Illinois at Urbana-Champaign Has Insured Itself Against Enrollment Drops

If it has a price, it can be insured. Apparently, that also includes insuring against drops in college enrollment.

The Chronicle of Higher Education recently reported that the University of Illinois at Urbana-Champaign has had an insurance policy in-force since 2015 that would pay for lost revenue if Chinese student enrollment declines.

According to the article, the policy works roughly as follows:

• The university pays over $400,000 in premium per year for a coverage limit of $60 million.
• The policy triggers if revenues decline at least 20 percent in a single year following a drop in Chinese student enrollment in its business and engineering schools.
• Covered triggering events include things like visa restrictions, pandemics, and trade...

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University of Illinois at Urbana-Champaign Has Insured Itself Against Enrollment Drops was originally posted by ClaimsMate.com Insurance Information Resources

Homeowners Insurance Vs. Renters/Condo Insurance

Homeowners Insurance offers protection for you and your home against many common perils like fire, theft, vandalism, wind damage, hail damage, water damage (non-flood), riots, and explosions. Renters Insurance covers your personal property (clothing, jewelry, computer hardware/software, electronics, furniture and other valuables) if you rent a room or an apartment. Condo Insurance covers loss to

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Homeowners Insurance Vs. Renters/Condo Insurance was originally posted by ClaimsMate.com Insurance Information Resources

Homeowners Insurance Vs. Renters/Condo Insurance

Homeowners Insurance offers protection for you and your home against many common perils like fire, theft, vandalism, wind damage, hail damage, water damage (non-flood), riots, and explosions. Renters Insurance covers your personal property (clothing, jewelry, computer hardware/software, electronics, furniture and other valuables) if you rent a room or an apartment. Condo Insurance covers loss to

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Having a problem with a flood claim? Click Here To Learn More

Homeowners Insurance Vs. Renters/Condo Insurance was originally posted by ClaimsMate.com Insurance Information Resources

Leadership In All Its Forms

We’re excited here at the Insurance Information Institute about our annual Joint Industry Forum in January (details here) and our keynote speaker, Gen. Stanley McChrystal.

Gen. McChrystal is perhaps best known as commander of Joint Special Operations Command in Afghanistan and renowned for his ability to lead and his exploration of the puzzle that is leadership.

His latest book, “Leaders: Myth & Reality,” takes an intriguing look. Here is a snip from the Wall Street Journal review of his latest book, Leaders: Myth and Reality:

Gen. McChrystal … studies six peculiar pairs of leaders, searching for lessons: the irascible but brilliant creative entrepreneurs (Walt Disney and Coco Chanel); the geniuses (Albert Einstein and...

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Leadership In All Its Forms was originally posted by ClaimsMate.com Insurance Information Resources

#Retweet4Good to Raise $1 Million for Wildfire Recovery

 

 

The California wildfires have devastated countless communities, including Aaron Rodger’s hometown, Chico, California. State Farm^® and Aaron are committed to helping the long term recovery of every community affected by these wildfires.

To help with recovery efforts, Aaron is donating $1 million to the North Valley Community Foundation. The State Farm Neighborhood of Good^® will donate $1, up to $1 million, for every retweet of Aaron’s post.

How can you help? Re-Tweet Aaron’s post using #RETWEET4GOOD before midnight PT, Sunday, Nov. 25.

 

 

 

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#Retweet4Good to Raise $1 Million for Wildfire Recovery was originally posted by ClaimsMate.com Insurance Information Resources

On Demand Insurance – What You Should Know?

On Demand Insurance is a new way for customers to purchase insurance coverage on their smartphone with a simple click whenever and wherever they want. On Demand Insurance can be purchased online without directly interacting with a broker or a company representative. Customers can buy insurance using their smartphones and file claims easily when they

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On Demand Insurance – What You Should Know? was originally posted by ClaimsMate.com Insurance Information Resources

On Demand Insurance – What You Should Know?

On Demand Insurance is a new way for customers to purchase insurance coverage on their smartphone with a simple click whenever and wherever they want. On Demand Insurance can be purchased online without directly interacting with a broker or a company representative. Customers can buy insurance using their smartphones and file claims easily when they

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Having a problem with a hail claim? Learn More

On Demand Insurance – What You Should Know? was originally posted by ClaimsMate.com Insurance Information Resources

How to Get Started Decorating Your Home

When you first move into a new home, it can be an exciting fresh start. All of those empty rooms may feel like a blank slate waiting for you to add your personal touch. But, what if aren’t quite sure how to make your house feel like home? If you don’t know where to begin, decorating may fall low on your priority list. But, with a few simple steps, you can be well on your way to a beautiful home.

Here’s a quick guide to getting started with decorating your home:

Step 1: Gather Inspiration

The first step in decorating is to know what you want, which requires gathering inspiration. This is the area where many people tend to struggle the most. Thankfully, finding ideas can be accomplished with just a little bit of time....

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How to Get Started Decorating Your Home was originally posted by ClaimsMate.com Insurance Information Resources

Stay Safe from California Wildfires

If you suffered damage, file a claim:

• When it is safe to do so, customers that need to file a claim should contact State Farm® to get the process started as soon as possible. Contact your agent, call 1-800-SF-Claim, go to st8.fm/claim or use our mobile application.

If you are a part of a mandatory evacuation:

• Safety first: material things can be replaced but the loss of life or serious injury can’t be fixed.
• Stay tuned: follow news reports and information from first responders.
• Keep living expenses receipts: they may be reimbursable after meeting your deductible.
• What to expect from the claims process: we will work with you closely to resolve your claim.

If you have not been evacuated but your home could become...

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Stay Safe from California Wildfires was originally posted by ClaimsMate.com Insurance Information Resources

Stay Safe from California Wildfires

If you suffered damage, file a claim:

• When it is safe to do so, customers that need to file a claim should contact State Farm® to get the process started as soon as possible. Contact your agent, call 1-800-SF-Claim, go to st8.fm/claim or use our mobile application.

If you are a part of a mandatory evacuation:

• Safety first: material things can be replaced but the loss of life or serious injury can’t be fixed.
• Stay tuned: follow news reports and information from first responders.
• Keep living expenses receipts: they may be reimbursable after meeting your deductible.
• What to expect from the claims process: we will work with you closely to resolve your claim.

If you have not been evacuated but your home could become...

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Having a problem with an insurance storm claim? ClaimsMate can help

Stay Safe from California Wildfires was originally posted by ClaimsMate.com Insurance Information Resources

Do You Need Renters Insurance to Rent an Apartment?

If you are renting an apartment, you may be required to purchase a renters insurance policy. Many apartments require that you have a minimum of $100K in liability coverage. But, even if you don’t have to have it, you should still consider purchasing a renters insurance policy. Renters Insurance Types of Coverage A typical renters

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Do You Need Renters Insurance to Rent an Apartment? was originally posted by ClaimsMate.com Insurance Information Resources

Do You Need Renters Insurance to Rent an Apartment?

If you are renting an apartment, you may be required to purchase a renters insurance policy. Many apartments require that you have a minimum of $100K in liability coverage. But, even if you don’t have to have it, you should still consider purchasing a renters insurance policy. Renters Insurance Types of Coverage A typical renters

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Having a problem with a fire claim? Read More

Do You Need Renters Insurance to Rent an Apartment? was originally posted by ClaimsMate.com Insurance Information Resources

5 East Coast Road Trip Ideas

While some travelers enjoy a highway route that detours through charming small towns with eclectic shops and restaurants, the scenic routes on the East Coast also offer breathtaking views of mountains and towns rich in American history. Before planning your next road trip, check out these five routes on the East Coast that might check off something on every passenger’s “must see” list.

Brandywine Valley

The Brandywine Valley is home to many mansions and gardens — so many gardens, in fact, that it’s considered part of “America’s Garden Capital,” according to U.S. News and World Report. But there is more than just the beauty of sprawling mansions and nature for travelers to see along the 12-mile drive....

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5 East Coast Road Trip Ideas was originally posted by ClaimsMate.com Insurance Information Resources

How Much Does General Liability Contractors Insurance Cost?

General liability insurance is essential for doing business; it can protect you financially in the event of a customer’s or third party’s bodily injury or property damage. As a contractor, you can also purchase an optional endorsement, an addition to your overall general liability policy. A variety of industry-specific professional liability policies are available, everything

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How Much Does General Liability Contractors Insurance Cost? was originally posted by ClaimsMate.com Insurance Information Resources

How Much Does General Liability Contractors Insurance Cost?

General liability insurance is essential for doing business; it can protect you financially in the event of a customer’s or third party’s bodily injury or property damage. As a contractor, you can also purchase an optional endorsement, an addition to your overall general liability policy. A variety of industry-specific professional liability policies are available, everything

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How Much Does General Liability Contractors Insurance Cost? was originally posted by ClaimsMate.com Insurance Information Resources

How to Hang Items in Your Rental Without Using Nails

As a renter, there are a few important things to keep in mind if you want to get your security deposit returned to you when your lease ends. Returning the property to the landlord in the same condition it was in when you first moved in is high on that list. Personalizing your living space with artwork, photographs and other decorations can help you feel more at home in a rental, but using nails to hang these items from walls may leave a little damage. To help prevent this, consider using one or more of these alternative methods for hanging items in your rental.

Prep Before You Begin Hanging Items 

With each of these methods, you’ll see optimal results if you take the time to ensure you’re starting with a clean surface...

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How to Hang Items in Your Rental Without Using Nails was originally posted by ClaimsMate.com Insurance Information Resources

Stay Safe from California Wildfires

 

If you are a part of a mandatory evacuation:

• Stay tuned: follow news reports and infomation from first responders
• Safety first: material things can be replaced but the loss of life or serious injury can't be fixed.

What to expect from the claims process: we will work with you closely to resolve your claim.

• If you suffered damage, start your claim as soon as possible: contact your agent, call 1-800-SF-Claim, go to st8.fm/Claim or use our State Farm mobile app.
• Keep living expenses receipts: they may be reimbursable after meeting your deductible.

 

Customers impacted by wildfires can contact their local agent, call 1-800-SFCLAIM (1-800-732-5246), or visit st8.fm/Claim to start the claim process.

Wildfires...

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Stay Safe from California Wildfires was originally posted by ClaimsMate.com Insurance Information Resources

From the I.I.I. Daily: Our Most Popular Content, November 2 to November 8

Here are the 5 most clicked on articles from this week’s I.I.I. Daily newsletter.

• The next housing crash could be caused by weather, not Wall Street–here are the places that should be worried, Business Insider
• Insurtech strikes: How AI and machine learning are redefining the insurance industry, Claims Journal
• 2017 Property/casualty impairments update, AM Best
• Don’t make these big life insurance blunders, Nerd Wallet
• Last four flights of crashed Lion Air jet had problems with airspeed indicator, Wall Street Journal

To subscribe to the I.I.I. Daily email daily@iii.org.

 

 

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From the I.I.I. Daily: Our Most Popular Content, November 2 to November 8 was originally posted by ClaimsMate.com Insurance Information Resources

Thrifty Holiday Gifting: Inexpensive Toddler Gifts

It’s easy to overspend on holiday gifts when the intended recipient is a toddler. After all, what can be more heartwarming than seeing a little one tear open a gift package with glee?

That expectation makes them one of the most enjoyable groups to shop for. But, the truth is, you won’t spoil the holidays if you don’t spoil your tiny tot. Keeping these thrifty suggestions in mind, you can enjoy gift-giving for the little ones in your life without having to spend a ton of dough.

Shop Low-Cost Toys

The good news is that lots of classic toddler toys are also relatively affordable — most can be found for $20 or less if you shop around. Think puzzles, art and craft supplies, building blocks and other stacking toys sized for...

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Thrifty Holiday Gifting: Inexpensive Toddler Gifts was originally posted by ClaimsMate.com Insurance Information Resources

How to Maximize Your Budget When Remodeling a Bathroom

If you’re investing your hard-earned money in fixing up your bathroom, you’ll also likely want to know what the return on investment might be — and how to maximize it. Before you begin remodeling your bathroom, consider these tips to help you get more for your money.

Find Ways to Save

Looking to save money on a bathroom remodeling project? Here are some strategies:

Refinish an Old Bathtub

The price tag on a new bathtub may look affordable, but the cost can quickly rise when you account for hiring a contractor and plumber to install it and fees to dispose of the old tub, among other expenses, The Spruce says. Instead of ripping out a worn down cast iron tub, you may save money by refinishing the old one, according to [Read More ...]

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How to Maximize Your Budget When Remodeling a Bathroom was originally posted by ClaimsMate.com Insurance Information Resources

Is It Necessary to Buy Travel Insurance?

Travel insurance covers trip cancellations and interruptions, lost luggage, and accidents or illnesses while traveling domestically or abroad. The coverage is by the day (number of days of your trip). Limits, deductibles and co-insurances vary by provider. Before you get it, you should take 3 things into consideration: Gravity of the trip. Probability of cancellation.

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Is It Necessary to Buy Travel Insurance? was originally posted by ClaimsMate.com Insurance Information Resources

Is It Necessary to Buy Travel Insurance?

Travel insurance covers trip cancellations and interruptions, lost luggage, and accidents or illnesses while traveling domestically or abroad. The coverage is by the day (number of days of your trip). Limits, deductibles and co-insurances vary by provider. Before you get it, you should take 3 things into consideration: Gravity of the trip. Probability of cancellation.

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Is It Necessary to Buy Travel Insurance? was originally posted by ClaimsMate.com Insurance Information Resources

A Lifetime of Good Work

Communities flourish when people come together to make necessary change happen. This can be done on many levels, but often when children learn how to influence their community through positive change, it can mean a lifetime of good work.

Students across the nation have learned how to be environmentally conscious through the work of Earth Force, a nonprofit focused on educating teachers on how to build environmental community projects with their students.

“We target fifth to 10^th grade students because that’s the age people start to develop their personality, belief systems, value systems, and where environmental work needs to happen to build environmentally educated people,” says Justin Zakoren, Earth Force program manager...

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A Lifetime of Good Work was originally posted by ClaimsMate.com Insurance Information Resources

Choosing the Right Stone Countertop for Your Kitchen

Stone countertops often look nice in a kitchen. But, when selecting the right counter material for your kitchen, it is also important to consider the stone’s durability, maintenance and cost.

To start, think about how you use your kitchen. For example, if you love to bake, you might want to consider marble countertops for rolling out dough. But on the other hand, if you have a young family, and are constantly cleaning up juice spills and sticky fingerprints, it might be best to go with a more durable counter surface that doesn’t stain.

Maintenance is another consideration. Most natural stone materials require periodic maintenance, such as resealing. However, if you choose an engineered stone, such as quartz, you may not need...

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Choosing the Right Stone Countertop for Your Kitchen was originally posted by ClaimsMate.com Insurance Information Resources

Like Uber, but for lawsuits

As anyone who has rented an apartment in New York City knows, your security deposit is basically a gift to your landlord. Good luck ever seeing it again after you move out.  

There are a few theories for how to avoid this. Mine has been to pray fervently for divine intervention, which worked out…once. An acquaintance tells me to simply never pay the last month’s rent. (The I.I.I. does not in any way endorse this strategy.) 

But one strategy no one suggests is to contest the withholding of your deposit in small claims court. Because you’ll end up spending more money than your original deposit was worth. 

If only there were an app for that… 

Turns out, there is. DoNotPay is an app that uses algorithms to determine whether...

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Like Uber, but for lawsuits was originally posted by ClaimsMate.com Insurance Information Resources