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June Raffle Results
Congratulations to our June Raffle winners - Class of 2012 Graduates: Abbie Desrochers (UVM), Jordan Rock (BFA Fairfax) & Abigail Henry(Spaulding High School).
For their hard work (3.0 or better) they each received a car detailing package along with a new "I am Vermont Strong" license plate. The packages are valued at $225. Each winner chose auto detailing from one of our many B2B Partners.
Last month we partnered with our friends at Travelers Insurance to reward these three graduates for their hard work. |
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Tips for the College Bound
Even though it is only July, if you're college bound this Fall, it's time to start planning ahead. If you have a student heading away to school, below are a few tips to help you get the most out of your coverage.
 HOMEOWNERS (varies by state)
Personal Property: Most homeowners policies will cover personal property for up to 10% of your total policy while your child is residing at school (a $100,000 policy equals $10,000 in coverage).
Not all types of damage are covered, so read your policy carefully. Some items such as jewelry or expensive electronics, require special coverage. Renters insurance is strongly recommended!
Liability Coverage: General damage to a dorm room or apartment is not usually covered.
Documentation: Creating an inventory of the items your child is taking to school is a good idea. Use photographs and keep receipts. This is also a great way to plan the move to campus!
AUTO (varies by state)
Car Stays Home: Keep your child listed on your auto policy if they will still drive your car while at home on school breaks.
Car at School: Make sure to notify us if your child will be taking a car away to school. In most cases, if the car is registered to you and listed on your policy, it will be covered.
Driving a Friend's Car: Students are generally covered if they are listed on their parent's policy and are not regularly using the vehicle. The coverage would be secondary. The insurance for the friend's vehicle would be the primary coverage.
Discounts: A full-time student meeting certain academic requirements can qualify for a good student discount. Distant student discounts may also be available. Drivers under 21 who have completed driver's education may also get a discount.
As always, check with your Local Insurance Agent about coverages specific to your carrier and your policy! |
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Cyber Security Myths Revealed
With data leaks, compromised passwords, and large-scale cyber attacks littering the news, you may be relying on common myths that could compromise your sensitive information. Mindi McDowell from US-CERT lists some of the most common misconceptions about cyber safety:
Myth: Anti-virus software and firewalls are 100% effective. 
Truth: Anti-virus software and firewalls are important elements to protecting your information. However, neither of these elements are guaranteed to protect you from an attack. Install updates as soon as they are available, automatically if possible. Update the virus definitions for your anti-virus software to avoid more cyber risks.
Myth: There is nothing important on your machine, so you do not need to protect it.
Truth: If you have any personal or financial data on your computer, attackers may be able to collect it and use it for their own financial gain. Even if you do not store that kind of information on your computer, an attacker who can gain control of your computer may be able to use it in attacks against other people.
Myth: Attackers only target people with money. 
Truth: Anyone can become a victim of identity theft. Attackers look for the biggest reward for the least amount of effort, so they typically target databases that store information about many people. Pay attention to your credit report to minimize any potential damage.
Myth: When computers slow down, it means that they are old and should be replaced.
Truth: Running newer or larger software programs on an older computer could lead to slow performance, but you may just need to replace or upgrade a particular component (memory, operating system, etc.). If your computer has suddenly become slower, it may be compromised by malware or spyware.
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Phone: 800.900.0121
Web: insure-vt.com Mobile: m.insure.vt.com
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