As a result of the hard market, we are seeing programs that were specifically designed for community associations being discontinued, insurance policies being non-renewed or cancelled, increasing property values and more insurance inspections. I have been in the insurance industry for over 50 years specializing in the habitational sector and have seen the cycles that […]
Read MoreWatch Out! With the closing of a banking institution, there may be a surge in schemes (phishing/malicious emails and social engineering) to redirect funds transfers and conduct invoice manipulation. Always, be on high alert and apply these best practices to avoid incident: Pay special attention to urgent requests for funds transfer. Verify the authenticity of wire transfer and […]
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Maryland House Bill 107 -Reserve Studies for Maryland Community Associations –The Maryland General Assembly passed new legislation requiring that community associations obtain a reserve study. This will apply to condominiums and homeowners’ associations. IMPORTANT: 1) On or after 10-1-18 – must have reserve study updated within 5 years 2) No reserve study – Must comply […]
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A special enrollment period (SEP) allows you to enroll in an ACA-compliant plan (on or off-exchange) if you have a qualifying life event. A qualifying event triggers a special enrollment period (SEP) for an individual or family to purchase health insurance outside of the regular annual ACA open enrollment period. ACA Open Enrollment period- November 1st to December 31st. Coverage goes in effect January of […]
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Insurance for College Students In college, there are so many things to be concerned with. Things such as class scheduling, housing arrangements, locating resources on campus, financial aid, and searching for student employment opportunities. The last thing on most college student’s minds is insurance! However, being adequately insured while in college will save you a lot […]
Read MoreAt Connie Phillips Insurance, we represent YOU, not the insurance company. We are interested in doing what is best for you. We work hard for our clients and enjoy empowering you through client education. An annual insurance coverage review is when you will meet with your agent to go over your current coverages in specific […]
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With the increasing effect technology has on the way we navigate the world today; we need to protect ourselves more than ever. If you are a business owner, indeed, you have decided to go digital to some degree. While data breaches have been the hot topic of discussion for years now, that is not the […]
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Who We Are At Connie Phillips Insurance, we represent YOU the client, NOT the insurance carriers. We are purely interested in doing what is best for our clients, putting their interests ahead of our own. We work hard for our clients and enjoy empowering them through client education. When our clients get married, we are […]
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Who We Are At Connie Phillips Insurance, we represent the client, NOT the insurance carriers. We are purely interested in doing what is best for our clients, putting their interests ahead of our own. We work hard for our clients and enjoy empowering them through client education. Today, let’s take a look at the importance […]
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Social media feeds everywhere will be flooded with Star Wars memes, puns, and the like on this special day that many have come to know as “Star Wars Day” or “May the 4th”. What originally started as a punny reference has become an international cultural phenomenon. How exactly did this unofficial ‘holiday’ come to be? […]
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