Valuable Tips & Tool

Family Tips & Tools

Our Family Insurance Tips and Tools are designed to raise awareness, offer helpful suggestions for protecting your property and direct you to some helpful resources.

Identity Theft Tips

Taking Back Control after Identity Theft

Many sources for Identity Theft are out of your control. Even if you carefully choose the companies with which you do business, because of the increased reliance on technology, even reputable companies are experiencing privacy breaches. But you can control some potential sources of ID theft and reduce your chances of becoming a victim. Here are some ways:

  • Don't call us, we'll call you. If you get phone calls or emails asking for any type of personal information, politely decline. Instead, look up the company or charitable organization's telephone number or website and contact them directly to make sure the inquiry is legitimate.
  • Put on a freeze when deploying overseas. Military personnel are often the targets of thieves because their deployment is often publically announced and they cannot closely monitor their credit. Contact the three credit rating agencies (Experian, Equifax and TransUnion) to place an alert that prevents credit activity in your absence.
  • Separate your identity when separating from your marriage. Divorce can be a contentious time, so take precautions by quickly separating accounts, closing lines of credit, changing passwords and closely monitoring your credit score for any unexpected changes.
  • Keep your friends at arm's length ... and your enemies even farther. As sad as it is, a surprising percentage of ID theft comes from people the victim knows-sometimes even his or her family members. Be sure to keep your personal and account information under lock and key, consider a locking mailbox and use a shredder when discarding old financial papers and bills.
  • Avoid being too social on social media. When filling out your online profile, avoid providing critical personal info, such as your marital status, your maiden name, your birth date or address. Also, don't accept "friend" invitations from people you don't know-they could be a "bot" designed to access your personal information and your friends' information. Be skeptical of online polls and quizzes, which often collect data to provide to an undisclosed third party.
  • Take action when your 2-year-old is offered a low interest rate. Generally, a credit report is not started on a person until they become old enough to need credit. But, fraudsters take advantage of this: using birth announcements to open up fraudulent accounts that can go undetected for years. If you get a credit card solicitation in your child's name, call the credit reporting bureaus to see if a credit report has been opened up in his or her name. If it has, clear up the fraud and ask for a freeze to be put in place until your child is old enough to need it.
  • They're watching - make sure you are too. If you don't already, start paying attention to your accounts. Look at them weekly to make sure all charges are legitimate and be sure to order the free credit report that the three major credit reporting bureaus-Experian, Equifax and TransUnion-are legally obligated to provide to you. Most financial institutions will forgive charges if you can demonstrate that they were fraudulent, but there is usually a time limit when you can ask for this.

This information is advisory in nature. No liability is assumed by reason of the information in this document.

School-Aged Safety

Today's adolescents and young adults are growing up in an environment that is at oftentimes vastly different than their parents. Reminding your kids to make smart safety choices might elicit less-than-enthusiastic reactions, but it shows you care, and could help keep them out of numerous sticky (or tragic) situations. Consider the following:


  • Monitor experiments in social networking as your kids begin to explore and participate in online communities. Talk to your children about their web activity, and remind them what kind of information should not be shared online (home address, phone numbers and other identifying information). Encourage them not to be "friends" with people they don't know in real life.
  • Guard your pre-teen from obsessive texting. If you're granting texting privileges to your pre-teen, keep a close eye on the phone bill-in addition to keeping charges under control, take notice of any strange numbers or calls/texts during school hours or late at night. Last but not least, remind kids to mind their cyber manners. Bullying online and via text is rapidly becoming more prevalent-keep an eye out for signs your child is becoming distressed or aggressive as a result of his or her technology use.
  • Set up a safe environment for latchkey kids. The National SAFEKIDS Campaign recommends that no child under the age of 12 be left at home alone. Whether or not you adopt this guideline depends on your child's maturity level, but either way, it makes sense to be prepared for potential accidents. Always have an emergency contact list on the fridge and, if possible, give your neighbors a heads-up that your child is on his or her own. Know that all smoke alarms and fire extinguishers are functional. Determine if you want your son or daughter to answer the phone while you're gone or to let calls from unrecognized numbers go to voicemail.
  • Play it safe on sports teams. Most school and local athletic programs require a pre-season physical exam, but even if your child is playing at the intramural/recreational level, it's a good idea to schedule a checkup before he or she hits the field or court. Is the playing environment safe? Is your child's protective equipment in good condition? When your kids are traveling with their team, pack their bags with water bottles and snacks.
  • Don't ignore kidnapping risks. As playground outings are replaced with trips to the mall, movies and baseball games, ensure your kids are equipped with a cell phone and are traveling with friends you have met before. At this age, your kids may be trying to dress or act more grown-up, but they are still children. It may sound obvious, but the tried and true questions of "where are you going, with whom and for how long?" help ensure your child's newfound social life doesn't lead him or her astray.


  • Instill safe driving habits early on. Motor vehicle crashes are the leading cause of death for teens in the United States, according to the National Highway Traffic Safety Administration. Consider drafting and entering into a "Driving Contract" with your teen. Some states have special laws for new drivers, but if yours doesn't, implement some of your own rules, such as a curfew, a maximum number of passengers and a ban on cell phone talking and texting behind the wheel. And don't forget to set a good example when you're in the car with your son or daughter.
  • Remind teens to protect their privacy online. Most teens today have at least one social networking account, but many are clueless about the importance of online security. Any photos or posts that they wouldn't want you, their principal, or a college recruiter to see shouldn't be posted online-even just to "friends." Many students have jeopardized their futures with irresponsible conduct.
  • Talk travel safety before class trips. High school trips are usually longer and involve more distant destinations than field trips during the early school years, so make sure you and your student are prepared accordingly. Will you be able to get in touch with each other in case of emergency? Does your teen have access to a safe place to store his or her valuables, like electronics, laptops and spending money, or should certain items be left at home?
  • Work smart-and safe. Is your teen looking to make some extra cash with an after-school job? Make sure that he or she is properly trained and supervised. If your teen is taking tutoring or babysitting jobs in someone else's home rather than in a commercial setting, keep tabs on who he or she is working for, and make sure your son or daughter is prepared for the responsibility-for example, it's helpful for children who are going to work as babysitters to be certified in CPR.

College Students

  • Identity Theft. Identify theft is often perpetrated by someone known to the victim. Educate your student to take steps such as locking their laptop, shredding financial documents, and even securing college financial statements in a locked cabinet. Have a plan in place to respond if your student becomes a victim to this growing crime.
  • Social Network Tools Can Highlight Bad Behavior. These days bad behavior, such as a night of youthful indiscretion or alcohol-induced idiocy, can be captured by cell phone cameras and put on the Internet for all to see. Your student should consider the high probability that a classmate may post character-damaging comments or "tag" troublesome images of him or her.
  • College Campus Partying Invites Many Harms. Partying remains a constant on college campuses. There is real danger with this type of lifestyle including alcohol related injuries, motor vehicle crashes and sexual assaults. As a parent, you will want to alert your children to these realities and talk about responsible behavior. Also, if you are in the college-planning stages, talk with representatives from the school about campus alcohol policies.
  • Litigation Issues. Even if your college-bound children are responsible citizens, they must remember that being unduly tolerant of-or negligent in responding to-the bad actions of others can invite litigation. For example, hosting a party where underage classmates are drunk and disorderly, or a coed is sexually assaulted by a guest, or a drunken friend is paralyzed while driving back from the campus party can result in the parents of these students filing a lawsuit against you. Educate your children about these risks and assess your liability insurance needs.
  • Unexpected School Closure. It's also important to consider how major events, such as wildfires, hurricanes, school shootings, and even the recent H1N1 flu outbreak, might force a student to vacate campus for a long time. Parents need to have contingency plans in place to handle these unexpected and catastrophic events.