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	<title>Shubert &#38; Associates Insurance Blog</title>
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	<link>http://blog.shubertinsurance.com</link>
	<description>Your lifetime insurance partner</description>
	<lastBuildDate>Mon, 06 Sep 2010 23:14:37 +0000</lastBuildDate>
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		<title>Prepare your home for winter now</title>
		<link>http://blog.shubertinsurance.com/prepare-your-home-for-winter-now</link>
		<comments>http://blog.shubertinsurance.com/prepare-your-home-for-winter-now#comments</comments>
		<pubDate>Mon, 06 Sep 2010 23:14:37 +0000</pubDate>
		<dc:creator>Shubert</dc:creator>
				<category><![CDATA[Home ins]]></category>

		<guid isPermaLink="false">http://blog.shubertinsurance.com/?p=176</guid>
		<description><![CDATA[Old Man Winter will soon be unleashing his full fury. Is your home ready for the onslaught of snow, ice and cold winds? If not, the time to prepare is now, before the first storm strikes and your home suffers significant damage from the freezing temps and winter conditions.
Typical homeowners insurance policies protect against winter-related [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>If your rental property becomes vacant, will you still have coverage?</title>
		<link>http://blog.shubertinsurance.com/if-your-rental-property-becomes-vacant-will-you-still-have-coverage</link>
		<comments>http://blog.shubertinsurance.com/if-your-rental-property-becomes-vacant-will-you-still-have-coverage#comments</comments>
		<pubDate>Mon, 30 Aug 2010 16:30:36 +0000</pubDate>
		<dc:creator>Shubert</dc:creator>
				<category><![CDATA[Home ins]]></category>

		<guid isPermaLink="false">http://blog.shubertinsurance.com/?p=173</guid>
		<description><![CDATA[Your rental property has just been vacated and you want to take some time to screen new tenants or make upgrades to your property.  Does your coverage change now that the home is vacant?  To avoid surprises at the time of a claim, it’s crucial to know exactly what your policy covers. 
Review your policy today [...]]]></description>
		<wfw:commentRss>http://blog.shubertinsurance.com/if-your-rental-property-becomes-vacant-will-you-still-have-coverage/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Life insurance: Do you need it?</title>
		<link>http://blog.shubertinsurance.com/life-insurance-do-you-need-it</link>
		<comments>http://blog.shubertinsurance.com/life-insurance-do-you-need-it#comments</comments>
		<pubDate>Sat, 21 Aug 2010 22:08:19 +0000</pubDate>
		<dc:creator>Shubert</dc:creator>
				<category><![CDATA[Life Ins]]></category>

		<guid isPermaLink="false">http://blog.shubertinsurance.com/?p=171</guid>
		<description><![CDATA[The most frequently asked question about life insurance is: Do I need it? The answer depends greatly on your situation. So, let’s determine if you need it. Review these statements and check all that apply:
□   I am married.
□   I have children.
□   Our family recently welcomed a new baby.
□   I am single, but I have dependents [...]]]></description>
		<wfw:commentRss>http://blog.shubertinsurance.com/life-insurance-do-you-need-it/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does Volunteering Your Time Mean Volunteering Your Insurance?</title>
		<link>http://blog.shubertinsurance.com/does-volunteering-your-time-mean-volunteering-your-insurance</link>
		<comments>http://blog.shubertinsurance.com/does-volunteering-your-time-mean-volunteering-your-insurance#comments</comments>
		<pubDate>Thu, 12 Aug 2010 20:15:05 +0000</pubDate>
		<dc:creator>Shubert</dc:creator>
				<category><![CDATA[Home ins]]></category>

		<guid isPermaLink="false">http://blog.shubertinsurance.com/?p=169</guid>
		<description><![CDATA[Millions of Americans donate time—their most valuable asset—to serve as a volunteer board member on non-profits, booster clubs, churches, PTAs and civic organizations, just to name a few. The decisions these folks make can have a dramatic impact on their respective organization—and not always for the better. If a volunteer endeavor goes bad, would a [...]]]></description>
		<wfw:commentRss>http://blog.shubertinsurance.com/does-volunteering-your-time-mean-volunteering-your-insurance/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to save the most money on your car insurance</title>
		<link>http://blog.shubertinsurance.com/how-to-save-the-most-money-on-your-car-insurance</link>
		<comments>http://blog.shubertinsurance.com/how-to-save-the-most-money-on-your-car-insurance#comments</comments>
		<pubDate>Wed, 28 Jul 2010 14:09:56 +0000</pubDate>
		<dc:creator>Shubert</dc:creator>
				<category><![CDATA[auto Insurance]]></category>

		<guid isPermaLink="false">http://blog.shubertinsurance.com/?p=166</guid>
		<description><![CDATA[So you’re shopping around for auto insurance. What do you need to know? Well, there are lots of ways – at least 11 – that you can save money. Many of these money-saving ideas may apply to you.

One Insurer, Multiple Policies – Do you have a homeowners or renters insurance policy? If so, is it [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Undervaluation: Not to Be Overlooked</title>
		<link>http://blog.shubertinsurance.com/undervaluation-not-to-be-overlooked</link>
		<comments>http://blog.shubertinsurance.com/undervaluation-not-to-be-overlooked#comments</comments>
		<pubDate>Sat, 24 Jul 2010 02:20:44 +0000</pubDate>
		<dc:creator>Shubert</dc:creator>
				<category><![CDATA[Home ins]]></category>

		<guid isPermaLink="false">http://blog.shubertinsurance.com/?p=164</guid>
		<description><![CDATA[You pay for home insurance to avoid incurring large out-of-pocket expenses after a something damages your house and personal property. The last thing you need is an insurance company explaining “adequate limits of insurance” after the fact; especially if that explanation means more cost to you.
According to Marshall &#38; Swift/Boeckh, an organization specializing in building [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Before Installing a Swimming Pool, Consider the Insurance and Safety Implications</title>
		<link>http://blog.shubertinsurance.com/before-installing-a-swimming-pool-consider-the-insurance-and-safety-implications</link>
		<comments>http://blog.shubertinsurance.com/before-installing-a-swimming-pool-consider-the-insurance-and-safety-implications#comments</comments>
		<pubDate>Thu, 15 Jul 2010 20:51:54 +0000</pubDate>
		<dc:creator>Shubert</dc:creator>
				<category><![CDATA[Home ins]]></category>

		<guid isPermaLink="false">http://blog.shubertinsurance.com/?p=162</guid>
		<description><![CDATA[Swimming Pool Safety


A Few Simple Safety Precautions Can Help Prevent Accidental Drownings, Says the I.I.I.

INSURANCE INFORMATION INSTITUTE
New York Press Office: (212) 346-5500;
NEW YORK, July 7, 2010 — With temperatures soaring throughout the country, many people will be taking advantage of the heat-beating delights of a swimming pool. Whether you have a luxury in-ground pool, or [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Making Sure Your Home Is Properly Covered for a Disaster</title>
		<link>http://blog.shubertinsurance.com/making-sure-your-home-is-properly-covered-for-a-disaster</link>
		<comments>http://blog.shubertinsurance.com/making-sure-your-home-is-properly-covered-for-a-disaster#comments</comments>
		<pubDate>Thu, 15 Jul 2010 20:49:45 +0000</pubDate>
		<dc:creator>Shubert</dc:creator>
				<category><![CDATA[Home ins]]></category>

		<guid isPermaLink="false">http://blog.shubertinsurance.com/?p=159</guid>
		<description><![CDATA[
For many people, their home is their greatest asset. Yet studies show that 59 percent of today’s homes are underinsured by an average of 22 percent (according to Marshall &#38; Swift). To protect their investment from disasters, homeowners should update their insurance regularly to include improvements, major purchases and increased rebuilding costs.
In particular, the cost [...]]]></description>
		<wfw:commentRss>http://blog.shubertinsurance.com/making-sure-your-home-is-properly-covered-for-a-disaster/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What impact would the death or disability of an owner or key employee  have on the continued success of your business?</title>
		<link>http://blog.shubertinsurance.com/what-impact-would-the-death-or-disability-of-an-owner-or-key-employee-have-on-the-continued-success-of-your-business</link>
		<comments>http://blog.shubertinsurance.com/what-impact-would-the-death-or-disability-of-an-owner-or-key-employee-have-on-the-continued-success-of-your-business#comments</comments>
		<pubDate>Fri, 25 Jun 2010 15:02:41 +0000</pubDate>
		<dc:creator>Shubert</dc:creator>
				<category><![CDATA[Commerical Insurance]]></category>

		<guid isPermaLink="false">http://blog.shubertinsurance.com/?p=157</guid>
		<description><![CDATA[ 







Objective:
Indemnify the Business for the Loss of a Key Employee


Issues to Consider:


Do you have key employees who make a substantial contribution to the success of your business?
Do you know what the financial impact on your business would be if a key employee, including yourself, died?





 



Objective:
Address the Financial Consequences of an Owner&#8217;s or Key Employee&#8217;s Disability


Issues [...]]]></description>
		<wfw:commentRss>http://blog.shubertinsurance.com/what-impact-would-the-death-or-disability-of-an-owner-or-key-employee-have-on-the-continued-success-of-your-business/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>“Business Interruption Insurance”</title>
		<link>http://blog.shubertinsurance.com/%e2%80%9cbusiness-interruption-insurance%e2%80%9d</link>
		<comments>http://blog.shubertinsurance.com/%e2%80%9cbusiness-interruption-insurance%e2%80%9d#comments</comments>
		<pubDate>Tue, 15 Jun 2010 20:39:56 +0000</pubDate>
		<dc:creator>Shubert</dc:creator>
				<category><![CDATA[Commerical Insurance]]></category>

		<guid isPermaLink="false">http://blog.shubertinsurance.com/?p=151</guid>
		<description><![CDATA[“Business Interruption Insurance”
It is estimated that between one-third and one-half of all businesses have no business interruption insurance. Almost half of businesses that experience a serious loss never reopen&#8230;over one-fourth of those that do, close within 3 years. A major reason that many businesses don’t survive a serious loss is the lack of business interruption [...]]]></description>
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		<slash:comments>2</slash:comments>
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