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Homeowners Insurance Doesn't Cover All Catastrophes
Congratulations! You're a homeowner! With the pride this accomplishment entails, you've also quickly become familiar with all of the obscure yet critical details, responsibilities and laws it includes. Here's a primer on some items not covered by typical homeowners insurance and what additional policies might be needed to protect your investment.

Earth. Anything that can do the hokey pokey and move your home around; earth movement that lifts, lowers, shifts, sinks, expands or contracts your home is included in this category.

Water. The ultimate "other" category; damage not covered by a standard policy, including items such as sewer main blockages, stormwater and backups from growing tree roots. Also, while damage from an exploding water heater might be covered, you're responsible for the cost to replace the unit.

Maintenance. Become familiar with how insurance views "general maintenance"; items not covered are defined as "neglect" or "failure to properly maintain" your property. This can include rust, rot, mold and general wear and tear. Other notable items include damage from termites, insects, birds or rodents. Depending on your proximity to industrial or agricultural operations, damage caused by smog or smoke may also not be covered.

Prized possessions. Many standard policies only cover losses due to theft up to $1,500. So on top of the emotional damage as an unfortunate victim of burglary, you'll also have to go through the process of replacing precious jewelry and other high-value items.

If you're a new homeowner or haven't updated your policy in years, it might be time for a second look. Give us a call today, and we'll help to make sure that you're pragmatically protected.
Are You Making a Mistake with
Your Homeowners Insurance?

Buying a home is the biggest investment you’ll ever make. With that kind of commitment, you owe it to yourself to protect it. Before you make a decision on which policy to buy, it pays to be informed. Get up to speed by requesting my free guide, "What You Need to Know Before Buying Homeowners Insurance."

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Pioneering Neuroscientist Still Exploring the
Brain 70 Years Later
"I'm still nosy, you know. Curious." These are the wise words of Dr. Brenda Milner, one of Canada's leading lights in the field of neuropsychology. For over 70 years, she's continuously broken ground at Montreal's McGill University; the origins of the modern cognitive neuroscience of memory can be traced directly back to her work there. At the age of 102, she's showing no signs of slowing down.

Inquisitive from a young age, she began her higher education studies with a master's degree in experimental psychology at Cambridge, which had a direct impact on the British war efforts at the time. After relocating to Canada with her husband, Peter, she settled in McGill's Department of Psychology in 1950.

Just two years later, she earned a PhD investigating the intellectual effects of temporal lobe damage in humans. This paved the way for her neuropsychology work at the Montreal Neurological Institute shortly after.

Described by Nobel Prize winner Eric Kandle as creating the field of cognitive neuroscience, her fusion of neurology and psychology led to many important landmark discoveries, including hemispheric function in language and the role of frontal lobes in problem-solving.

Milner ascribes her success partly to her natural state as "a noticer." In an interview with Genetic Engineering and Biotechnology News, she said, "The thing that has driven me my whole life is curiosity. I am incredibly curious about the little things I see around me." Perhaps it is this innate sense of wonder and love of learning that is the key to a long and active life.
Baked Pineapple Chicken
Serves 4
• 4 boneless skinless chicken breasts
• 3/4 teaspoon Italian seasoning
• 1/2 teaspoon sweet paprika
• 1/4 teaspoon garlic powder
• kosher salt
• freshly ground black pepper
• 2 tablespoons extra-virgin olive oil
• 1 1/2 cups shredded mozzarella
• 2 tablespoons freshly grated Parmesan
• 4 thin pineapple rounds
• 1/4 cup diced red onion
• 2 teaspoons freshly chopped cilantro

Preheat oven to 375°F.

Combine Italian seasoning and garlic powder in a small bowl. Season chicken with salt and pepper.

Heat oil in large ovenproof skillet over medium-high heat. Cook chicken 5 minutes on top side until golden. Remove from heat. Sprinkle seasoning mixture all over.

Sprinkle tops of chicken with one cup mozzarella and most of Parmesan. Place pineapple round on top of each piece of chicken. Sprinkle with remaining cheese.

Bake about 10 minutes until cheese is melted and chicken is cooked through.

Garnish with onion and cilantro and serve.
Understanding What Auto Insurance You Need
Even for people with stellar driving records, auto insurance premiums can take a bite out of everyone's pocketbook. Understanding what each element of your coverage means is the key to saving money while ensuring you have a tailor-made policy that's exactly the right fit for you.

Liability. While this coverage is required by law, the minimum amount varies by state. Liability insurance protects you in the event you are held responsible for bodily injury or property damage to another party. Sage advice is to carry a bodily injury liability policy with a minimum of $100,000 per person/$300,000 per accident (with the addition of enough property damage liability coverage to cover the cost of a new car). Considering all the potential costs of chaos, from medical bills to potential lawsuits, it's often recommended to increase your limits to $250,000 per person/$500,000 per accident to be on the safe side.

Collision. This type of insurance is not required by law, but it covers the cost of damage to your car after an accident. Depending on the current resale value of your car, collision coverage may not make sense for you to carry, since you'll be paying more than what your car is worth.

Comprehensive. This coverage protects you from things that aren't included under collision, such as fire or theft. If you lease a car, this coverage may be required, but most vehicle owners choose to add this coverage anyway, since it is often inexpensive and covers virtually any type of damage to the vehicle.

Deductibles. The higher the deductible, the lower the premium. If you have a decent savings fund, are a good driver and are willing to assume the risk, paying less for your premium may make sense for you.

We're here to help steer you in the right direction! Make an appointment today to review your auto policy. Let's work together to meet your financial goals and match your coverage preferences and requirements.
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Ways to Honor Military, Veterans and First Responders
On the last Monday in May, the American public remembers men and women who bravely gave their lives while serving in the military. Memorial days like this are common across the world, and many people visit cemeteries and ceremonies to remember those they've lost as well as those they never knew. In the spirit of such patriotism and remembrance, here are a few ways you can honor your country's serving military members, veterans and the fighters on everyday front lines, first responders.

Say thank you. It may seem obvious, but how rarely do you think these often-unsung heroes hear words of appreciation? Politely share your thanks when the opportunity arises. It's a simple way to express your gratitude and acknowledge their sacrifices.

Listen. When directly engaging with military personnel or first responders, listen to their experiences and learn what their jobs entail. It's a meaningful way to engage and gain a better understanding of what you're grateful for.

Send a care package. Veterans are often some of the most vulnerable members of society, so get in touch with a local veteran's charity and arrange to send a thoughtful care package filled with small gifts or snacks. Add in a handwritten note they can treasure for years to come.

Organize a hometown fundraiser. Recognize your public safety heroes with a virtual event, such as an online concert, game night or virtual marathon. For more virtual fundraising ideas and how to pull them off, visit Link up with a local first responders charity and donate the proceeds to help at a grassroots level.

Vote! One of the best ways to honor service members is to stay informed on the issues that affect them and use your democratic vote to support those issues.
This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter.

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