With more than 50 million uninsured Americans including more than 10 million uninsured kids, it is more important than ever to make sure your youth teams and camps provide medical coverage for the kids.  Soccer teams, youth day camps and other organizations that provide young people with a constructive and positive environment for developing socially as well as athletically should provide kids with emergency medical coverage.  The cost for the coverage is cheap, but the benefits can be enormous for a family that is uninsured.  If little Susie or Johnny breaks an ankle on the soccer field, the emergency room expense alone could be several thousand dollars.  Group accidental medical coverage can pick up those expenses and save that family from unexpected and perhaps unaffordable debt. 

Group accidental medical coverage is also available for adult teams, organizations and even volunteer fire fighters and auxiliary police officers.  Getting involved in your community should not mean taking on extra financial risks just because your hurt while volunteering.  Make sure your organization or athletic team has coverage for participants.  For more information you can check out our specialty products page, give us a call or fill out our contact form.

Homeowners insurance covers your home, your personal property and protects you against law suits.  One of the most misunderstood issues with homeowners insurance is regarding property that may be your responsibility that is under ground in your yard.  Most people believe that these pipes are covered by their policy.  Unfortunately, water pipes leading to your home and sewage pipes leading away from your home are excluded under most homeowners policies.  Repairing these pipes is very expensive.  Just digging them up can cost a two or three thousand dollars. What is really frustrating, is that this is not an exposure that you can even see much less maintain.  One day everything is working fine, the next your front yard is a marsh from thousands of gallons of water (that you are paying for) and you are looking for a plumber who has a back hoe.  That’s the bad news.

The good news is you can purchase coverage for these pipes from a very unexpected source.  When I first learned of it, I was surprised at the source of the coverage and amazed by how little it cost.  I purchased coverage for my pipes from my local electrical utility company.  Here in Fairfax County, VA that is Dominion Power.  The cost was just a few dollars per month.

Make no mistake, this is a good deal and I recommend you call Dominion or go on line right now and add the coverage to your service.  Very few insurance companies are willing to take on the exposure and I am certain that none would do it for the prices offered by Dominion.  A few extra dollars on your electric bill is a small price to pay for some real peace of mind.