FHJ – Long Term Care Ins. – November 2018

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  How do you decide whether to buy insurance or utilize your own financial resources to pay for a loss? When considering Homeowner Insurance, you consider the various potentials for a loss, the cost to replace your home, and your ability to afford that loss. ...

FHJ – Floods – October 2018

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Over the last several weeks most of the Northeast and mid-Atlantic area of the United States was stuck in a rain pattern that seemed to settle in certain areas dropping several inches of rain repeatedly. The saturated soils and runoff caused creeks and rivers to over...

FHJ – Off to College – August 2018

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Insurance for the College Bound This is a repeat from a 2016 article but one I am commonly asked about at this time of year. Your son or daughter’s senior year of high school is now behind you.  While trying to enjoy the summer, your focus now points to the first...

FHJ – Future Ratings – July 2018

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Does it seem like we’ve had more storms which have resulted in long power outages in the last couple years? I bought a generator several years ago when Ann & Hope was having a Going Out of Business Sale. It went without being used for 5+ years.  Then in the last...

FHJ – Accidents Happen- Here’s what to do

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    Accidents happen. But how well prepared are you to know what to do when involved in an accident? What would your reaction be if your spouse, teen age driver, or one of your parents came home after being involved in an accident and revealed that they...