Round Table event in Fairbanks 04/01 @630pm


We have had a few round table events recently, and found them to be laid back and a comfortable forum to discuss and share different topics. Next week Thursday April 1st, 6:30pm @ Lin's Asian Bistro 1900 Airport Way (FBKS) is our next event. This round table we will have two guests with the know how to maximize State Employee's retirement specifically PERS, TERS, SBS, and Deferred Comp catch up. Also what is required in Alaska for wills and estate planning. Please email an RSVP to a017359@allstate.com or call the office, seating is limited.

Renters insurance is worth it!


Renter's insurance is one of the cheapest policies, and covers so much! If you own two or more cars, your auto insurance would go down as much as a basic renters would cost! Two policies for one. Here's an article that explains more about what renters is:
... woman was shocked when she discovered the landlord's insurance didn't cover her personal property. And the .. tenant who placed the boxes in the hallway was slapped with a major liability lawsuit.

There's no question but that landlords are responsible for losses arising out of owners' negligence. Renters, however, are responsible for the financial burden of losses created by their own negligence.

"All too often, renters don't understand that they're responsible if they start a grease fire in a kitchen," said Jim Potter, regional sales director at American Banker's Insurance Group in Santa Ana. "They're responsible not only for their unit, but for the unit next door and any others that are damaged."

Many renters don't know that renter's insurance exist. Others simply just never get around to buying the insurance or opt to take their chances that mishaps will swerve around them.
More go to : http://tinyurl.com/yjk9m6e

Traveling through Canada

Reminder if you're planning a trip through Canada, check on the current laws and regulations for border customs. Also we have a unlimited towing, and trip interruption plan for only 74 dollars for a full year, good in the US and Canada.
ALL PERSONS traveling by land and sea outside of the United States are required to present a passport book/card, or other valid travel documents to enter or re-enter the United States.

ALL PERSONS traveling by air outside of the United States are required to present a passport book or other valid travel document to enter or re-enter the United States.


HomeSense, Golden Valley Program


Home$ense is Golden Valley Electric Association's electrical energy efficiency program. It is offered to all residential members.

A trained energy efficiency specialist will travel to your home and explain ways you can reduce electrical usage without sacrificing comfort and will install energy efficient products at no additional cost.
During a Home$ense audit, participants receive:
-Education materials and best practices in energy efficiency and use
-Up to 12 compact fluorescent lamps installed to replace incandescent bulbs. CFL installations are limited to fixtures currently in use.
-A refrigerator thermometer and coil cleaning brush
-An adjustable weather-proof vehicle plug-in timer, if applicable


In addition, if the house has a 220-volt hard-wired electric water heater, participants may also receive:
-An electric water heater insulating blanket
-Up to 10 lineal feet of pipe wrap
-Two faucet aerators
-One low-flow shower head


Federal Tax Credits for Consumer Energy Efficiency

Are you building or renovation your home this year? Remember to contact the office with any renovations, there are a lot of discounts for your home insurance. If you building a home this year we offer very competitive Builders Risk Insurance. Below is some information on Federal Tax Credits that may also help..
If you purchase an energy-efficient product or renewable energy system for your home, you may be eligible for a federal tax credit. Below you will find an overview of the federal tax credits for energy efficiency.

Please note, not all ENERGY STAR qualified products qualify for a tax credit. ENERGY STAR distinguishes energy efficient products which, although they may cost more to purchase than standard models, will pay you back in lower energy bills within a reasonable amount of time, without a tax credit.

More information http://www.energystar.gov/index.cfm?c=tax_credits.tx_index

Alaska Law on Wills

  • Who may make a will. Any person 18 or more years of age who is of sound mind may make a will. Alaska Code Section 13.12.501.
  • Execution and signature of will; witnesses. Every will shall be in writing signed by the testator or in the testator's name by some other person in the testator's presence and by his direction, and shall be signed by at least two persons each of whom witnessed either the signing or the testator's acknowledgment of the signature or of the will. Alaska Code Section 13.12.502.

    • (1)     in writing;
    (2) signed by the testator or in the testator's name by another individual in the testator's conscious presence and by the testator's direction; and
    (3) signed by at least two individuals, each of whom signs within a reasonable time after the witness witnesses either the signing of the will as described in (2) of this subsection or the testator's acknowledgment of that signature or the will.
    More information: http://www.touchngo.com/lglcntr/akstats/Statutes/Title13/Chapter12.htm

    Definition's:
    A holographic will is a will and testament that has been entirely handwritten and signed by the testator.
    A testator is a person who has written and executed a last will and testament that is in effect at the time of his/her death.[1] It is any "person who makes a will."

    Daylight Savings Time


    Daylight Savings time is a great time to replace your smoke alarm batteries.


    You can prevent tragedies simply by testing and maintaining your smoke alarms and practicing a fire escape plan. All smoke alarms in your house should be tested once a month, and their batteries replaced annually. Every family should develop a fire escape plan and practice it at least twice a year. The U.S. Consumer Product Safety Commission (CPSC) recommends these measures because working smoke alarms and a fire escape plan will increase your protection in case of a fire. http://www.cpsc.gov/CPSCPUB/PUBS/5077.html

    Tell us how we are doing

    Commonly asked Claim Question- and answer


    Q: While visiting the grocery store, a rogue shopping cart scratched my customer's vehicle. Does his/her policy cover the damage?

    A: Yes, shopping carts driven by wind, slope of ground, pushed by another, or someone loses their grip, are covered and considered a comprehensive loss. Most shopping cart losses will be considered comprehensive losses, unless the investigation determines it was clearly a collision loss.

    Tonight at dinner talk about a fire escape plan


    "Children's ability to escape a fire hinges on two things - an alarm that will dependably awaken them, and a reliable, easy-to-follow, well-practiced escape route," says Steve Forman, co-founder of REDDCO Inc., a company that specializes in fire escape and safety products. "According to the U.S. Fire Administration, children as young as 3 years old can follow a fire escape plan if they have practiced it often."
    Tonight at dinner create a fire escape plan. Your plan should include two exits from every room in the house, especially bedrooms. Familiarize children with the location and sound of all smoke alarms. Practice your escape plan with your child. Repeat the lesson throughout the year. Familiarize your children with the sound the fire alarm makes and to have a plan for after the exit. Where to meet, what neighbors to go to, the next steps are crucial.

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