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  <channel>
    <title>Insurance News</title>
    <link>https://www.kessleralair.com/blog</link>
    <atom:link rel="self" type="application/rss+xml" href="https://www.kessleralair.com/blog/feed.xml"/>
    <language>en</language>
    <copyright>Copyright 2026 Kessler Alair Insurance Services, Inc.</copyright>
    <lastBuildDate>Wed, 08 Apr 2026 19:29:00 GMT</lastBuildDate>
    <description>Insurance News</description>
    <item>
      <title>Spring Cleaning Tips</title>
      <link>https://www.kessleralair.com/blog/2026/04/spring-cleaning-tips</link>
      <pubDate>Wed, 08 Apr 2026 19:29:00 GMT</pubDate>
      <guid isPermaLink="false">https://www.kessleralair.com/blog/p/45493</guid>
      <author/>
      <category>Safety</category>
      <description>

  


  &lt;figure&gt;&lt;img src="/images/news/45493/23235/large/pexels-shkrabaanthony-5245961.jpg" data-image="23235" width="750" height="500"&gt;&lt;/figure&gt;&lt;p&gt;Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful information. (And if you’re so tidy and organized throughout the year that spring cleaning isn’t a big chore for you, well, keep that to yourself! Unless you want your friends and neighbors to be jealous, that is.)&lt;br&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Take it one room at a time.&lt;/strong&gt; Deciding to clean or organize your entire home can quickly get overwhelming. If you focus on just one area or room, then move to another only when you’re finished, you’ll likely work more efficiently.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Follow the six-month rule.&lt;/strong&gt; Generally, if you haven’t used something in six months (with the exception of seasonal items), it’s a good idea to consider throwing it away or donating it.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Don’t forget the kitchen.&lt;/strong&gt; Just like other rooms, your kitchen likely has things that haven’t been used in some time &amp;mdash; and this includes food in the refrigerator or freezer. Give those appliances a thorough cleaning and get rid of anything you won’t be eating.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Set yourself up for success.&lt;/strong&gt; Paper clutter is something we all could probably cut back on pretty easily. Setting up a few recycling bins throughout the house gives you a convenient alternative to just setting that old magazine or paperwork down somewhere and watching the pile grow.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Make some money!&lt;/strong&gt; The spring cleaning garage sale is a tradition for many homeowners, and can be a great way to bring in some extra income. Talk about a win-win situation &amp;mdash; you get rid of stuff you don’t need, and someone pays you for it!&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Stay safe.&lt;/strong&gt; When you’re cleaning or maintaining your home, be mindful of the physical risks involved. Lift with your leg muscles, not your back. Avoid prolonged repetitive motions. Use ladders, lawn mowers and other dangerous tools with caution.&lt;/p&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Now sit back, relax, and enjoy your sparkling clean home after a long winter inside.&amp;nbsp;&lt;/p&gt;

&lt;p&gt;
  &lt;a href="http://www.kessleralair.com/blog/2026/04/spring-cleaning-tips"&gt;Read the full article at www.kessleralair.com&lt;/a&gt;
&lt;/p&gt;</description>
    </item>
    <item>
      <title>Five Ways to Protect Your Personal Electronic Data</title>
      <link>https://www.kessleralair.com/blog/2026/01/five-ways-to-protect-your-personal-electronic-data</link>
      <pubDate>Mon, 19 Jan 2026 19:54:00 GMT</pubDate>
      <guid isPermaLink="false">https://www.kessleralair.com/blog/p/42040</guid>
      <author/>
      <category>Safety</category>
      <category>Identity Protection</category>
      <description>

  


  &lt;figure&gt;&lt;img src="/images/news/42040/23104/large/pexels-shkrabaanthony-5475750.jpg" data-image="23104"&gt;&lt;/figure&gt;&lt;p&gt;Online data breaches are just an unfortunate fact of life now&amp;mdash;as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time.&lt;/p&gt;
&lt;p&gt;Fortunately, there are several things you can do, quickly and easily, to keep your data more secure. And while a really determined and skilled hacker could still find a way in, putting up a few roadblocks might encourage them to move on to a different target, similar to a burglar choosing an obviously unoccupied home instead of one with the lights on.&lt;/p&gt;
&lt;p&gt;Here are five things experts recommend to better protect your personal information:&lt;/p&gt;
&lt;ol&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Use a stronger password.&lt;/strong&gt; People have some truly awful passwords: The worst of 2017, as compiled by password-management company SplashData (using data leaked in various breaches), included “123456,” “qwerty,” “letmein” and the ever-popular “password.” You should try to create complex passwords using a combination of special characters, numbers and odd phrases that aren’t easily guessed. Instead of “mike2013,” for example, remember something like “In 2013, Mike broke his leg in Omaha” and translate it into “i13MbhliO!” Password-management software can help, too; these programs generate strong passwords for you and require you to remember just one master password.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Better yet, use multi-factor authentication.&lt;/strong&gt; Many companies and online service providers offer this feature, which forces you to provide verification beyond a password to sign in. You might be required to enter a code that is sent to your mobile device, or answer security questions. Beware the security questions, however&amp;mdash;thanks to publicly available information, including posts on social media, these can be easy to guess. (“What is your favorite food?” is not a great question to use, particularly if your answer is “pizza.”) So make sure your answers are things only you would know. If multi-factor authentication is available, you should use it, especially for sites with your most sensitive information.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Watch out for phishing attempts.&lt;/strong&gt; We’ve all gotten calls or messages that were clearly scams, such as when the “IRS” calls to say you’re going to be arrested if you don’t immediately make a payment via credit card. But they’re not “clearly” scams to everyone, and if someone happens to send you an email that is plausible because of your present situation, you could be fooled, too. Unless you’re absolutely sure about the person or company you’re dealing with, don’t give out personal or financial details on the phone or via email. If you have a question about someone’s authenticity, type the organization’s web address into your browser (don’t click links in an email or use an address provided by a caller). Then call or email back using the information on the actual website, or get the correct contact information from your account statement.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Back up (or wipe out) your data.&lt;/strong&gt; Not only is this important in case your device is stolen, it also can save you in the event of a “ransomware” attack, where someone blocks access to your data unless you pay a fee. Some devices and platforms have a feature that allows you to erase everything remotely if needed, so consider enabling that feature if it's available. And remember to always fully wipe old devices before selling or recycling them. Simply deleting files isn’t enough&amp;mdash;check with the manufacturer and learn how to completely erase all of your information.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Watch where you go online (and where you’re connected).&lt;/strong&gt; If you’re making a purchase online, don’t enter your credit-card information (or other sensitive details) unless the site’s address begins with “https.” And it’s best to avoid entering this type of data when you’re on a public network, especially if it’s unsecured.&lt;/p&gt;&lt;/li&gt;
&lt;/ol&gt;
&lt;p&gt;Of course, nothing can completely protect you from all risk online. Even the founder of LifeLock, a data-security company, famously had his identity stolen multiple times. (To be fair, he did use his actual Social Security number in an advertising campaign, which in hindsight wasn’t the best move.) But if you use the steps above, you’ll be ahead of most people.&lt;/p&gt;

&lt;p&gt;
  &lt;a href="http://www.kessleralair.com/blog/2026/01/five-ways-to-protect-your-personal-electronic-data"&gt;Read the full article at www.kessleralair.com&lt;/a&gt;
&lt;/p&gt;</description>
    </item>
    <item>
      <title>Kessler Alair Insurance Welcomes New President</title>
      <link>https://www.kessleralair.com/blog/2025/11/kessler-alair-insurance-welcomes-new-president</link>
      <pubDate>Wed, 05 Nov 2025 18:44:00 GMT</pubDate>
      <guid isPermaLink="false">https://www.kessleralair.com/blog/p/86294</guid>
      <author/>
      <description>

  


  &lt;p&gt;&lt;/p&gt;&lt;p&gt;&lt;br&gt;&lt;/p&gt;&lt;h2&gt;&lt;b&gt;Kessler Alair Insurance Announces Appointment of New President&lt;/b&gt;&lt;/h2&gt;
&lt;p&gt;Claremont, California &amp;mdash; November 5, 2025 &amp;mdash; Kessler Alair Insurance, a leader in the insurance industry, is pleased to announce the appointment of Michael Kessler as its new President, effective November 5, 2025.
&lt;/p&gt;
&lt;p&gt;Michael succeeds Brad Kessler, who is transitioning to a new role after nearly 50 years of service. Brad was born and raised in Claremont and has deep roots in the community. A 1973 graduate of Claremont High School, he was drafted that same year in the first round by the Cincinnati Reds. Following an unfortunate shoulder injury, Brad retired from baseball and returned home to Claremont to build both his family and his business.
&lt;/p&gt;
&lt;p&gt;During his tenure, Brad led Kessler Alair through a period of remarkable growth and innovation, strengthening the company’s position as a trusted partner for policyholders and agents alike.
&lt;/p&gt;
&lt;p&gt;“We are deeply grateful for Brad’s outstanding leadership and lasting contributions to our organization,” said Mike Donaldson, Vice President. “At the same time, we are thrilled to welcome Michael Kessler as our new President. His strategic insight and commitment to excellence will build upon the strong foundation that’s been established.”
&lt;/p&gt;
&lt;p&gt;Michael is also a proud graduate of Claremont High School &amp;mdash; go Wolfpack! Following high school, he attended Brigham Young University on a baseball scholarship. After his freshman year, he served a two-year mission in Brazil for The Church of Jesus Christ of Latter-day Saints before returning to BYU to complete his degree.
&lt;/p&gt;
&lt;p&gt;Michael currently resides in Orange County with his wife, Rachel, and their three children. He remains deeply involved in community service and enjoys coaching his children’s youth flag football teams.
&lt;/p&gt;
&lt;p&gt;With more than 20 years of experience in the insurance and financial services sector, Michael brings a proven record of leadership, strategic growth, and innovation.
&lt;/p&gt;
&lt;p&gt;“We are thrilled to welcome Michael as President of Kessler Alair,” said Brad Kessler, outgoing President. “His leadership, vision, and commitment to excellence make him the ideal choice to guide our company into the future while upholding the values our clients and partners have trusted for decades.”
&lt;/p&gt;
&lt;p&gt;As President, Michael will oversee the company’s strategic direction, operations, and growth initiatives, with a focus on innovation, customer service, and expanding Kessler Alair’s presence in the insurance industry.
&lt;/p&gt;
&lt;p&gt;“I am honored to lead Kessler Alair at such an exciting time,” said Michael Kessler. “I look forward to working alongside our talented team to continue building on the company’s strong foundation, delivering exceptional service to our customers, and driving future success.”
&lt;/p&gt;
&lt;p&gt;For over 100 years, Kessler Alair has been serving individuals, families, and businesses, providing trusted insurance solutions designed to protect what matters most.
&lt;/p&gt;
&lt;h3&gt;&lt;b&gt;About Kessler Alair Insurance&lt;/b&gt;&lt;/h3&gt;
&lt;p&gt;Since 1923, Kessler Alair Insurance&amp;mdash;with offices in Rancho Cucamonga, Upland, Newport Beach, and parts of Utah&amp;mdash;has provided quality insurance products and exceptional service tailored to the unique needs of individuals and businesses. The company firmly believes that “We are a family, and our goal is to give every client the same thorough and committed attention we would devote to our own family members.”
&lt;/p&gt;

&lt;p&gt;
  &lt;a href="http://www.kessleralair.com/blog/2025/11/kessler-alair-insurance-welcomes-new-president"&gt;Read the full article at www.kessleralair.com&lt;/a&gt;
&lt;/p&gt;</description>
    </item>
    <item>
      <title>Make Home Safety a Priority While You’re Away for the Holidays</title>
      <link>https://www.kessleralair.com/blog/2024/11/make-home-safety-a-priority-while-away-for-the-holidays</link>
      <pubDate>Sat, 09 Nov 2024 01:47:00 GMT</pubDate>
      <guid isPermaLink="false">https://www.kessleralair.com/blog/p/14097</guid>
      <author/>
      <category>Home Insurance</category>
      <category>Personal Insurance</category>
      <description>

  


  &lt;figure&gt;&lt;img src="/images/news/14097/21448/large/pexels-cottonbro-3171200.jpg" data-image="21448" width="750" height="501"&gt;&lt;/figure&gt;
&lt;p&gt;&lt;br&gt;&lt;/p&gt;&lt;p&gt;
The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while you’re gone.
&lt;/p&gt;
&lt;p&gt;
A house left empty can be an opportunity for burglars, so before you pack your bags, prepare to protect the stuff that’s staying at home in California.
&lt;/p&gt;
&lt;p&gt;
At Kessler Alair, we want to make it a little easier for you to get out of town with peace of mind and return to everything you left behind, so here are some pointers for prepping your home before you travel.
&lt;/p&gt;
&lt;ul class="content_list"&gt;
&lt;li&gt;&lt;strong&gt;Lock it up.&lt;/strong&gt; Check and double-check that you have locked all the doors and windows.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Check under the mat.&lt;/strong&gt; If you store an extra key outside your house, remove it. Instead, give the key to a trusted friend or neighbor in case someone needs to enter in an emergency.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Communicate.&lt;/strong&gt; Inform a friend or neighbor that you will be away. Ask them to keep an eye on the house, and give them a way to reach you to report any suspicious activity. But don’t communicate your absence on social media!&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Forego deliveries.&lt;/strong&gt; Make sure to stop delivery of packages, mail, newspapers, and anything else that could pile up on your porch. Ask your trusted friend or neighbor to pick these items up every other day.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Remove temptations.&lt;/strong&gt; Do not leave wrapped gifts or expensive electronics visible through windows and doors.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;
From Kessler Alair, we wish you, your family (and your home and belongings) a very safe and joyous holiday!
&lt;/p&gt;
&lt;p&gt;
&lt;strong&gt;Contact Us!&lt;/strong&gt;
&lt;/p&gt;
&lt;p&gt;
For further questions and assistance with any of your insurance needs, please contact us at (909) 931-1500.&amp;nbsp;&lt;/p&gt;

&lt;p&gt;
  &lt;a href="http://www.kessleralair.com/blog/2024/11/make-home-safety-a-priority-while-away-for-the-holidays"&gt;Read the full article at www.kessleralair.com&lt;/a&gt;
&lt;/p&gt;</description>
    </item>
    <item>
      <title>Let's Keep Our Lawns and Ourselves Safe</title>
      <link>https://www.kessleralair.com/blog/2024/08/let-s-keep-our-lawns-and-ourselves-safe</link>
      <pubDate>Sat, 03 Aug 2024 21:23:00 GMT</pubDate>
      <guid isPermaLink="false">https://www.kessleralair.com/blog/p/41530</guid>
      <author/>
      <category>Safety</category>
      <category>home</category>
      <category>Summer</category>
      <description>

  


  &lt;figure&gt;&lt;img src="/images/news/41530/21061/large/pexels-greta-hoffman-7728072.jpg" data-image="21061"&gt;&lt;/figure&gt;&lt;p&gt;&lt;br&gt;&lt;/p&gt;&lt;p&gt;For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly.&lt;/p&gt;
&lt;p&gt;Each year about 400,000 people are treated for injuries from lawn and garden tools, according to the U.S. Consumer Product Safety Commission (CPSC). Don’t let your landscaping efforts land you in the hospital! Follow these handy safety tips.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Tool safety tips from the U.S. CPSC&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;p&gt;Dress appropriately. To protect yourself from debris when using lawn tools, wear eye protection, long pants, long-sleeved shirts, close-fitting clothes and no jewelry. Sturdy shoes are recommended, and ear plugs may be appropriate depending on how loud the device is.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;Before starting, remove objects from your work area that could cause injury or damage, such as sticks, glass or stones.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;Keep children indoors and supervised at all times when any outdoor power equipment is being used. Never let a child ride or operate a garden tractor or riding mower, even if the child is supervised. And never assume children will remain where you last saw them. Use extreme caution when backing up or approaching corners, shrubs and trees.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;Teenagers using power equipment should always be supervised by an adult.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;Handle gasoline carefully. Never fill tanks while machinery is on or when equipment is still hot. Of course, you should never smoke or use any type of flame around gasoline or any gasoline-powered equipment.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;Do not work with electric power tools in wet or damp conditions. For protection against electrocution, use a ground fault circuit interrupter (GFCI).&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;Be sure that extension cords are in good condition, are rated for outdoor use, and are the proper gauge for the electrical current capacity of the tool.&lt;/p&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&lt;strong&gt;Lawn Chemical Safety Tips from Texas A&amp;M University&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;p&gt;If you use chemicals to control weeds or pests in your lawn, read the product label carefully so you understand the potential effects on humans, animals and the environment. Follow all instructions.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;Keep children and animals away from the application area, and protect your skin, eyes and nose during and after application.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;Remember, use only the recommended amount. Using more of the chemical will not do a better job.&lt;br&gt;
Ask yourself if you truly need to use a general pesticide. Is there a product that will specifically treat only the problem you need to solve?&lt;/p&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;From all of us, here’s to keeping both you and your lawn healthy this summer!&lt;/p&gt;

&lt;p&gt;
  &lt;a href="http://www.kessleralair.com/blog/2024/08/let-s-keep-our-lawns-and-ourselves-safe"&gt;Read the full article at www.kessleralair.com&lt;/a&gt;
&lt;/p&gt;</description>
    </item>
    <item>
      <title>Protecting Your Home: Understanding Your Home Insurance Policy</title>
      <link>https://www.kessleralair.com/blog/2024/03/protecting-your-home-understanding-your-home-insurance-policy</link>
      <pubDate>Tue, 12 Mar 2024 20:50:00 GMT</pubDate>
      <guid isPermaLink="false">https://www.kessleralair.com/blog/p/39212</guid>
      <author/>
      <category>Homeowner Insurance</category>
      <description>

  


  &lt;figure&gt;&lt;img src="/images/news/39212/20395/large/pexels-binyamin-mellish-106399.jpg" data-image="20395"&gt;&lt;/figure&gt;&lt;p&gt;&lt;br&gt;&lt;/p&gt;&lt;p&gt;As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more ways than you may think, helping you rebuild your home or repair damage that results from a covered loss.&lt;br&gt;&lt;/p&gt;
&lt;p&gt;But, that’s not all. It can also help cover the costs of a lawsuit, help you pay for somewhere else to live when your home is uninhabitable and much more.&lt;/p&gt;
&lt;p&gt;Home insurance is typically very comprehensive, but all policies have exclusions and coverage limits. It’s vital to know what those are so you know what’s covered and what’s not. Fire damage? Typically covered. Flood damage? Typically not.&lt;/p&gt;
&lt;p&gt;With this guide, you can begin to understand what a typical home insurance policy covers. Just keep in mind that coverage varies from carrier to carrier, region to region and even policy to policy. Only your individual home policy can tell you the coverage you have and that which you don’t. For an even better understanding of your home policy coverage, you review it with one of our agents.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;What Home Insurance Covers&lt;/strong&gt; The typical homeowners insurance policy has six types of coverage. They are commonly known as:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Coverage A:&lt;/strong&gt; Dwelling, for damage to your house that occurs due to covered losses, such as a fire. Following a covered loss, dwelling coverage helps you repair or rebuild your home, including the structures, such as a garage or a deck, attached to it.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Coverage B:&lt;/strong&gt; Other Structures, for damage to other buildings or structures on your property that result from a covered loss, such as a tornado. This may include a detached garage, a barn or a fence.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Coverage C:&lt;/strong&gt; Personal Property, for damage to or loss, including theft, of your personal belongings and possessions, such as jewelry, furniture and other valuables. If you experience a covered loss, this coverage will help you replace items up to the defined dollar limit in your policy. In certain instances, your belongings may be worth more than the typical home insurance policy covers. In this case, you may be able to purchase additional coverage through a process known as “scheduling valuables.” To help expedite a personal property claim, it helps to keep an updated home inventory&amp;nbsp;of your belongings.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Coverage D:&lt;/strong&gt; Additional Living Expenses, for costs incurred, up to your set policy limit, due to “loss of use” of your home, meaning your home has been damaged to the extent that you cannot live in it and you need to live elsewhere. This coverage helps you handle the costs of your temporary housing and related expenses.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Coverage E:&lt;/strong&gt; Personal Liability, for damage to other people’s property for which you are responsible. This coverage may also help you handle legal costs and liability judgments resulting from a lawsuit, up to the defined dollar amounts outlined in your policy.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Coverage F:&lt;/strong&gt; Medical Payments to Others, for bodily injuries to other people, such as a houseguest, that occur in your home or on your property. Like personal liability coverage, this coverage helps with the costs of a lawsuit or legal decision, up to your defined policy limits.&lt;/p&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Remember that, despite having all of these different types of coverage, you’re only covered up to the dollar amounts that you select and only for covered losses, as outlined in your policy. Typically, you can change these policy limits at any time if you’d like to purchase more coverage. This is a good idea if, for example, you’ve recently added on to your home, acquired some pricey personal belongings or made other updates to your property. If needed, you can also reduce your coverage, though always ensure you are adequately protected.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;What Home Insurance Doesn’t Cover&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;It’s just as important to know what your homeowners insurance doesn’t cover as it is to know what your home policy does cover. For starters, your policy does not cover any damage or repairs costing less than your deductible. It also does not cover any costs that exceed the coverage limits outlined in your policy. You are solely responsible for excess costs, unless you have an &lt;a href="/umbrella-insurance"&gt;umbrella policy&lt;/a&gt; to provide additional liability coverage for a covered loss.&lt;/p&gt;
&lt;p&gt;More than likely, your policy also does not cover routine maintenance and repairs, as well as damage due to animals, termites, floods, earthquakes, sinkholes, sewer backups, and other incidents. These are often considered non-covered losses. If you experience a non-covered loss, as outlined by your policy, you will be responsible for the costs.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;What Home Insurance May Cover&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Outside of the typical home insurance coverage, optional or separate coverage may be available from your carrier or from a different carrier. For example, you may be able to purchase earthquake or flood coverage separate from your homeowners policy.&lt;/p&gt;
&lt;p&gt;Other coverage options are add-ons to your existing homeowners insurance. These can include identity protection and equipment breakdown coverage, which covers the cost to repair or replace a range of appliances and other equipment, such as pool equipment, in your home. If this sounds similar to an extended appliance warranty, it is. The difference is that you can insure an array of appliances at once through this optional coverage rather than purchasing a separate warranty for each one.&lt;/p&gt;
&lt;p&gt;This guide is a starting point for understanding your home insurance policy. Your own policy may vary greatly from the descriptions above depending on the state where you live, your carrier, and the coverage you have selected. So take a close look at your policy by reviewing your documents or viewing your coverage online. Or, even better, sit down with one of our insurance agents who can explain your coverage in detail, as well as discuss whether your policy provides adequate protection for your home, property, and belongings.&lt;/p&gt;

&lt;p&gt;
  &lt;a href="http://www.kessleralair.com/blog/2024/03/protecting-your-home-understanding-your-home-insurance-policy"&gt;Read the full article at www.kessleralair.com&lt;/a&gt;
&lt;/p&gt;</description>
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      <title>Is your home as efficient as it could be? An energy audit can tell you</title>
      <link>https://www.kessleralair.com/blog/2024/01/is-your-home-as-efficient-as-it-could-be-an-energy-audit-can-tell-you</link>
      <pubDate>Wed, 10 Jan 2024 23:37:00 GMT</pubDate>
      <guid isPermaLink="false">https://www.kessleralair.com/blog/p/43762</guid>
      <author/>
      <category>Homeowner Insurance</category>
      <description>

  


  &lt;p&gt;&lt;br&gt;&lt;/p&gt;&lt;p&gt;&lt;img src="https://images.pexels.com/photos/5691548/pexels-photo-5691548.jpeg?auto=compress&amp;cs=tinysrgb&amp;w=1260&amp;h=750&amp;dpr=1" alt="Free Back view of unrecognizable fitter in dirty apron installing window above radiator while doing home renovation Stock Photo"&gt;&lt;br&gt;&lt;/p&gt;&lt;p&gt;&lt;br&gt;&lt;/p&gt;&lt;p&gt;Drafty windows. Leaky faucets. Dirty air filters.&lt;/p&gt;
&lt;p&gt;All are common issues in homes across the country, and they’re not just annoying&amp;mdash;they also cost you money in decreased energy efficiency and higher bills.&lt;/p&gt;
&lt;p&gt;The U.S. Environmental Protection Agency’s Energy Star program estimates that homeowners can save 5% to 30% on annual energy costs by incorporating technologies to make their homes operate more efficiently. Think that’s not a big deal? Based on typical energy costs, it could mean savings ranging from $105 to $627, according to Energy Star.&lt;/p&gt;
&lt;p&gt;That sounds pretty good to us. And even if you’re not the handiest person when it comes to home maintenance, checking your energy efficiency is something you can easily do yourself. (Although if you want to get the biggest bang for your buck, Energy Star recommends a &lt;a href="https://www.energy.gov/energysaver/home-energy-audits/professional-home-energy-audits" target="_blank" rel="noopener"&gt;professional home-energy audit&lt;/a&gt;.)&lt;/p&gt;
&lt;p&gt;Just follow the tips below&amp;mdash;you’ll see where your home loses energy, how efficient your heating and cooling systems are, and ways you can decrease your electricity use.&lt;/p&gt;
&lt;p&gt;First, just for reference, here’s how the average energy bill breaks down:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Heating: 29%&lt;/li&gt;
&lt;li&gt;Electronics: 21%&lt;/li&gt;
&lt;li&gt;Water heating: 13%&lt;/li&gt;
&lt;li&gt;Cooling: 13%&lt;/li&gt;
&lt;li&gt;Appliances: 12%&lt;/li&gt;
&lt;li&gt;Light: 12%&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&lt;strong&gt;Where’s the air?&lt;/strong&gt;&lt;br&gt;
Air commonly leaks from homes through gaps around baseboards, electrical outlets and windows or doors&amp;mdash;if you feel like you’re running the heat all the time to no avail, that warm air might be escaping. Stopping these drafts can save up to 30 percent of your yearly energy costs (it will keep the cool air inside during the summer, too). Be sure to check your home’s exterior as well, paying particular attention to areas where two different building materials meet. When you find leaks, seal them with caulk or weather stripping.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Don’t wait to insulate&lt;/strong&gt;&lt;br&gt;
Check to see if you have enough insulation in your ceiling and walls. The attic door or hatch should be insulated and close tightly. For walls, make a small hole in a closet or other inconspicuous place and probe into the wall with a screwdriver&amp;mdash;if the area isn’t completely filled with insulation, you’re probably losing heat in the winter and cool air in the summer.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Check your furnace and AC systems&lt;/strong&gt;&lt;br&gt;
Heating and cooling systems that work correctly and efficiently can save you frustration as well as money. Make sure ducts and pipes are insulated properly, and have your equipment checked and cleaned by a professional each year. Filters for forced-air furnaces should be replaced as soon as they are dirty, or every 30 to 60 days.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Let there be (efficient) light&lt;/strong&gt;&lt;br&gt;
More than half of the light sockets in the U.S. still contain an inefficient bulb, according to Energy Star&amp;mdash;and the average home has about 70 sockets! LED bulbs use about 90% less energy than regular bulbs, and they last a lot longer, too. Many will still be going after 20 years.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;See how your home stacks up&lt;/strong&gt;&lt;br&gt;
Energy Star also offers a Home Energy Yardstick that allows you to compare your home’s efficiency to similar homes across the country and get advice on how to improve. It takes just five minutes. &lt;a href="https://www.energystar.gov/index.cfm?fuseaction=HOME_ENERGY_YARDSTICK.showGetStarted" target="_blank" rel="noopener"&gt;Learn more here&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;Anyone can take steps to save energy&amp;mdash;whether you’re a hardcore do-it-yourselfer or someone simply tired of sending a big check to the power company every month. Just don’t forget what might be the most important thing of all after you finish your audit and make your home more efficient: deciding how to spend the money you’ll save!&lt;/p&gt;

&lt;p&gt;
  &lt;a href="http://www.kessleralair.com/blog/2024/01/is-your-home-as-efficient-as-it-could-be-an-energy-audit-can-tell-you"&gt;Read the full article at www.kessleralair.com&lt;/a&gt;
&lt;/p&gt;</description>
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      <title>6 Tips for Getting to Work on Two Wheels</title>
      <link>https://www.kessleralair.com/blog/2023/09/6-tips-for-getting-to-work-on-two-wheels</link>
      <pubDate>Wed, 13 Sep 2023 19:11:00 GMT</pubDate>
      <guid isPermaLink="false">https://www.kessleralair.com/blog/p/40912</guid>
      <author/>
      <category>Safety</category>
      <description>

  


  &lt;figure&gt;&lt;img src="/images/news/40912/19736/large/bikeweork.jpg" data-image="19736"&gt;&lt;/figure&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a &lt;em&gt;ton&lt;/em&gt; of calories burned.&lt;br&gt;&lt;/p&gt;
&lt;p&gt;Maybe you’re a bicycle commuter already &amp;mdash; or maybe you want to give it a try. These tips from the &lt;a href="http://www.bikeleague.org/"&gt;League of American Bicyclists&lt;/a&gt; and other organizations will help you prepare for the challenges you’ll face on your way to work. (We’ve included a few tips for drivers, too.)&lt;/p&gt;
&lt;ol&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Be prepared. &lt;/strong&gt;Always check your bike and other equipment before you leave on each trip. Also carry the proper tools and gear (including wet-weather clothing, if needed).&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Obey the law, traffic signals and signs.&lt;/strong&gt; You have a right to be on the road with cars, but you also have the same duties.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Stay right.&lt;/strong&gt; Ride with the flow of traffic in the right lane. Leave room to make emergency maneuvers.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Be visible.&lt;/strong&gt; Drivers are often distracted, and many aren’t expecting to see cyclists on the road. So make them see you! Stay out of blind spots. Wear bright-colored clothing during the day, with reflective clothing and lights at night or in inclement weather. Also use hand signals so motorists know your intentions.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Consider the conditions.&lt;/strong&gt; Riding can be miserable when it’s wet, unless you have waterproof rain gear. Watch out for slick roads, too.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Be hyper-aware.&lt;/strong&gt; Scan your surroundings constantly so you can react quickly. Pay attention to cars parked alongside the curb; a door can fly open at any moment.&lt;/p&gt;&lt;/li&gt;
&lt;/ol&gt;
&lt;p&gt;&lt;strong&gt;Bonus tips for drivers:&lt;/strong&gt; Stay on the lookout for cyclists. When you see them, be patient &amp;mdash; they have a right to the road, too. If you park on the street, check behind you before opening doors. And, always remember that your significant size and speed advantage can be deadly in an accident.&lt;/p&gt;
&lt;p&gt;Cars and bicycles can, in fact, peacefully coexist on the roads. All it takes is a little preparation and a lot of awareness, along with some understanding thrown in for good measure.&lt;/p&gt;
&lt;p&gt;If you’re biking to work, we may be able to help you get a special discount on your car insurance for driving your vehicle less. Call today for details!&lt;/p&gt;

&lt;p&gt;
  &lt;a href="http://www.kessleralair.com/blog/2023/09/6-tips-for-getting-to-work-on-two-wheels"&gt;Read the full article at www.kessleralair.com&lt;/a&gt;
&lt;/p&gt;</description>
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    <item>
      <title>Insuring Jewelry: How to Know if Your Coverage is Enough</title>
      <link>https://www.kessleralair.com/blog/2023/08/insuring-jewelry-how-to-know-if-your-coverage-is-enough</link>
      <pubDate>Tue, 08 Aug 2023 14:53:00 GMT</pubDate>
      <guid isPermaLink="false">https://www.kessleralair.com/blog/p/37417</guid>
      <author/>
      <category>Jewelry Insurance</category>
      <category>Homeowner Insurance</category>
      <description>

  


  &lt;figure&gt;&lt;img src="/images/news/37417/19592/large/ringblog.jpg" data-image="19592"&gt;&lt;/figure&gt;&lt;p&gt;&lt;br&gt;&lt;/p&gt;&lt;p&gt;A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion.&lt;/p&gt;
&lt;p&gt;Every reason you treasure a piece of fine jewelry is a reason it should be insured.&lt;/p&gt;
&lt;p&gt;However, calling it “jewelry insurance” may be a stretch. You don’t need a separate policy to insure your jewelry. You just need to be sure you have the right personal property coverage from your homeowners, condo, or renters insurance.&lt;/p&gt;
&lt;p&gt;Jewelry coverage helps protect the investment you’ve made in your favorite pieces by helping you replace them if you experience a loss that’s covered by your policy. But, the coverage is only for certain instances and set dollar amounts, so double check what coverage you have and learn more about insuring jewelry below.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Know What Your Existing Insurance Policy Covers&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;If you already have personal property coverage as part of a homeowners, renters, or condo policy, you likely already have some form of protection for your jewelry. The typical insurance policy will cover you, up to your policy limit, for jewelry that’s stolen or damaged in certain incidents, such as a fire at your home. However, the typical policy will not cover everyday damage, such as a stone falling out of its setting.&lt;/p&gt;
&lt;p&gt;In addition to knowing when you’re covered and when you’re not, it’s also important to know how much you’re covered for. Your insurance policy may cover each individual piece of jewelry at a set amount, such as $1,000 per piece. Or, it may cover your jewelry collection as a whole, such as $3,000 for all pieces. Check your policy or schedule an insurance review with us to better understand what kind of jewelry coverage you have.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Calculate the Value of Your Jewelry Collection in Today’s Dollars&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;To determine whether you have enough jewelry insurance, you need to know how much your pieces are worth. Keep in mind that your pieces may be worth more now than when you bought them. The value of precious metals and precious stones can increase over time, so have your pieces appraised about every three years.&lt;/p&gt;
&lt;p&gt;Use these appraisals, as well as receipts for recently purchased items, to add up the value of your collection. Then compare it to how much jewelry replacement coverage you have on your homeowners insurance, condo insurance or renters insurance.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Decide Which Items Require Additional Coverage&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;If the jewelry coverage on your policy is lower than the value of your collection, you’ll likely want to purchase additional coverage. For example, you may have a $2,000 pair of diamond earrings, a $7,500 engagement ring and an insurance policy that covers jewelry loss &amp;mdash; no matter how many pieces &amp;mdash; at $3,000. If both pieces are lost in a single incident, you’re short $6,500 of coverage.&lt;/p&gt;
&lt;p&gt;To fill this gap, you can insure high-value items individually, as part of your homeowners insurance, condo insurance or renters insurance. This is known as “scheduling valuables” or adding a “rider” or “endorsement” to your policy. To do so, you will likely need a recent receipt or appraisal establishing the value of each item.&lt;/p&gt;
&lt;p&gt;Once scheduled, if an item is damaged or lost in a covered incident, you’ll be covered for the full scheduled amount. Typically, scheduling an item also gives you broader coverage. A lost stone that isn’t covered under your homeowners policy, for example, is likely covered under a policy rider.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Catalog Your Jewelry in a Home Inventory&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;Once you arrange coverage for your high-value jewelry, it’s important to create a home inventory or update an existing one to catalog your valuable belongings. This isn’t as important for your scheduled pieces because your insurance company has a record of their value. However, for any unscheduled pieces that are lost or stolen, you’ll want a record of their worth.&lt;/p&gt;
&lt;p&gt;Ideally, your home inventory will include photos, receipts, appraisals, descriptions, brand names, etc. of all valuable personal property, not just your jewelry. That way, if there’s a loss, you’ll already have the documentation needed for a personal property claim in place.&lt;/p&gt;
&lt;p&gt;A home inventory can be as simple as a Word document (save it to the cloud or a flash drive in case your computer is damaged or stolen). Or use a Web program or mobile phone app, such as the home inventory app, to help you catalog your belongings.&lt;/p&gt;
&lt;p&gt;Insuring jewelry is easy and affordable, so talk to us about it. If you get something special this year, in addition to flashing it to your friends, think about protecting it, too.&lt;/p&gt;

&lt;p&gt;
  &lt;a href="http://www.kessleralair.com/blog/2023/08/insuring-jewelry-how-to-know-if-your-coverage-is-enough"&gt;Read the full article at www.kessleralair.com&lt;/a&gt;
&lt;/p&gt;</description>
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    <item>
      <title>Tips for Buying a Safe Car</title>
      <link>https://www.kessleralair.com/blog/2023/07/tips-for-buying-a-safe-car</link>
      <pubDate>Tue, 25 Jul 2023 16:11:00 GMT</pubDate>
      <guid isPermaLink="false">https://www.kessleralair.com/blog/p/36890</guid>
      <author/>
      <category>Auto Insurance</category>
      <category>Safety</category>
      <description>

  


  &lt;figure&gt;&lt;img src="/images/news/36890/19538/large/safecar.jpg" data-image="19538"&gt;&lt;/figure&gt;&lt;p&gt;&lt;br&gt;&lt;/p&gt;&lt;p&gt;You’ve heard all the talk about driverless cars &amp;mdash; but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone).&lt;br&gt;&lt;/p&gt;
&lt;p&gt;But even though our driverless future has yet to arrive, and you still have to pay attention when you’re behind the wheel, technology actually plays a big role on the road already. And nowhere is that more apparent than the new safety features that make today’s cars safer than ever.&lt;/p&gt;
&lt;p&gt;Those features might be even more important now, because drivers aren’t necessarily better these days.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Of course, we all know the basics of being a good driver: be alert, don’t speed, avoid distractions, remain mindful of the conditions, etc. While newer safety features aren’t a substitute for any of those things, they can be an excellent supplement to good driving habits.&lt;/p&gt;
&lt;p&gt;So when you’re shopping for a new (or new-to-you) car, look for vehicles that have the following options recommended by the NHTSA. They might even help you save on your insurance!&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Forward collision warning:&lt;/strong&gt; These sensors in the front of the vehicle will warn you of an impending collision, giving you a chance to brake or steer clear.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Automatic emergency braking:&lt;/strong&gt; Working with forward collision warning sensors, this will automatically apply the brakes to avoid a collision.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Lane-departure warning:&lt;/strong&gt; This uses cameras to keep track of your car’s position on the roadway; if you begin to drift from your lane unintentionally, an alarm notifies you.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Backup camera:&lt;/strong&gt; These cameras, which are becoming standard equipment in more vehicles, automatically activate when the car shifts into reverse, giving you a view behind the car.&lt;/p&gt;&lt;/li&gt;
&lt;li&gt;&lt;p&gt;&lt;strong&gt;Electronic stability control:&lt;/strong&gt; This is now standard on models 2012 and later, but if you’re purchasing a used car, consider one that offers this feature. It helps you keep control in slippery conditions and on curves &amp;mdash; according to the NHTSA, it reduces the risk of a fatal single-vehicle crash by about 50% and the risk of a fatal rollover by 80%.&lt;/p&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Other features that may be available, depending on the make and model of car you choose:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Automatic crash notification: Notifies emergency responders in the event of a crash.&lt;/li&gt;
&lt;li&gt;Lane-keeping support: Steers your vehicle back into the lane if you begin to drift.&lt;/li&gt;
&lt;li&gt;Pedestrian automatic emergency braking: Alerts you if a pedestrian is in your path and automatically applies the brakes.&lt;/li&gt;
&lt;li&gt;Blind-spot detection: Illuminates when another vehicle is in your blind spot on either side of the car.&lt;/li&gt;
&lt;li&gt;Adaptive headlights: These headlights actually shift as you take curves and turns to help you see better.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Finally, don’t forget things that have little to do with technology, but still have a big impact on safety &amp;mdash; such as the car’s size and weight, structure and restraint systems, and its NHTSA safety rating. To look up the cars you’re considering, visit &lt;a href="https://www.nhtsa.gov/ratings"&gt;Safercar Safety Ratings&lt;/a&gt;.&lt;/p&gt;

&lt;p&gt;
  &lt;a href="http://www.kessleralair.com/blog/2023/07/tips-for-buying-a-safe-car"&gt;Read the full article at www.kessleralair.com&lt;/a&gt;
&lt;/p&gt;</description>
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