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Is your home covered? Which 1/2 is covered?                                                    

Do I really need insurance for my home?

Insurance is your protection against the uncertainties of day-to-day living. For most people, their home is their single most valuable possession - and their biggest investment. Homeowners insurance protects your investment as well as you, the members of your family and your household possessions.

If you were to suddenly lose your home due to fire or a tornado or have the contents damaged or stolen, like most of us, you probably could not afford to replace everything all at once. And if somebody sued you for an injury or damage caused by you, the cost of defending that suit could run into thousands of dollars in legal fees - and are regardless of the outcome of the suit.

All of these situations are covered by the homeowners package policy. While it may be unpleasant to think about fire, theft, and other "uncertainties of life," let's face it, they are there and things happen.

Yet another reason you need to carry homeowners insurance is that mortgage lenders require it. No mortgage company will lend the large amounts of money needed to finance homes at today's prices without requiring an insurance policy to protect that investment.

How About A Mortgage Protection Insurance  Would you say no if all your premiums were refunded in full after 20 or 30 years! Imagine having a valuable insurance protection that provides security and peace of mind that if something happens to you  your loved ones will be able to payoff the mortgage or when you're done with your mortgage all your paid premiums for mortgage protection are returned to you at the end of the term! Would you except a check in one lumb sum?

Available to you directly from PRO-ONE Insurance Services, Inc. 

(818)845-3737

Liability:The best small business insurance protection against liability is a commercial general liability policy or commercial umbrella liability. This type of insurance will cover your business in the event that a customer gets injured on your premises or someone gets injured due to a defective product. Errors and Omission: Errors and omission insurance helps protects you against lawsuits when a client thinks you have made a mistake. Your small business insurance agent should help you determine whether you need errors and omission coverage for your type of business; however, it should be noted that this one type of insurance that is generally recommended for businesses to purchase for added protection. Property Insurance: You need insurance in the event of fire, theft, flood or other natural disasters. Even if you work from your home, you can buy small business property insurance to protect the equipment used in your business. Worker's Compensation Insurance: Worker's compensation insurance covers your employees if they are injured on the job. This insurance is necessary if your business has employees. Each state has different laws regarding worker's compensation and you or your small business insurance agent will need to check the laws for your state to see if it is required. Employment Practices Liability Insurance: Employment practices liability insurance covers you if an employee chooses to sue you for sexual harassment, wrongful termination or discrimination. Suits for violating an employee's legal rights are most common in large corporations, but it is a valuable type of insurance to carry. Business Disability insurance: You want protection in the event that you are unable to work because of illness or disability. Business disability insurance also offers protection in the event one of your employees becomes disabled.

Think all insurance is the same? Think again. Cheaper now isn't always better later-not when one uninsured loss could wipe out everything you're working to build. See how to get the most value for your insurance dollar. Most of the time we go after the cheapest insurance premiums. It is savings that we always look for, but are you getting enough insurance protection for your money? By cutting corners you are not getting that valuable protection that you desire. Let us shop for you and get the best possible insurance protection for less money. You'll be surprized and you will save money at the same time without cutting corners on that valuable protection!

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About every five years the AHA updates its diet advice. This year, for the first time, the guidelines emphasize lifestyle as much as diet. Tufts University researcher Alice Lichtenstein, DSc, chairs the AHA nutrition committee that wrote the new recommendations.

"We wanted to present recommendations that would be easily adopted by the general public," Lichtenstein tells WebMD. "There is a de-emphasis on numbers, and more on answering basic questions: What can I do? How do I do it? How do I make changes right now?"

The new guidelines don't lay down the law about how much to eat, what to eat, and when to eat. They instead focus on healthy diet and lifestyle patterns. And they offer practical ways for real people to make lifesaving changes, says WebMD's director of nutrition, Kathleen M. Zelman, MPH, RD.

"Eighty percent of heart disease is preventable with healthy lifestyle: good food, fitness, and normal weight," Zelman says. "Dietary patterns are what it's all about. The AHA says, 'This is the gold standard.' But you don't have to get there overnight. It is not about perfection -- it is about making progress toward the healthier lifestyle. And the payoff is huge."

The guidelines appear in the July 4 issue of the AHA journal Circulation.

Business Planning – Should you lose a key employee or business partner to death, life insurance can provide the resources you'll need to re-group or re-build after the loss.