Cybersecurity Considerations for Working & Learning From Home

It’s as if 2020 has only continued to bring on new challenges. Children are now either learning from home, or are faced with going back into the classroom. At the same time, some adults are continuing to work from home and others are gearing up to head back into the office.

While we prove to be resilient and adaptable to the ongoing changes in our world, cybersecurity is one thing schools and businesses have become much more concerned with.

As safe as you might feel in the comfort of your own home, there are still a variety of cybersecurity risks you’ll face. And as many of us are spending more time at home than ever before, it’s an important time to make sure your cybersecurity practices are sufficient.

Cybersecurity Risks When Working from Home

Regardless of where you are in terms of your everyday location, one challenge we all continue to face is the security of our technology. 

This is especially true for those who work from home as remote devices are more difficult to manage. Phishing scams only continue to progress, and data is becoming more and more vulnerable to breaches.

How to Stay Cyber Secure Working from Home

Security should always be a main priority – for any business of any size. Luckily, there are some security best practices to follow and use when it comes to working from home.

  • Use virtual private networks
  • Stay away from using public Wi-Fi where information can become more vulnerable
  • Use multifactor authentication to get into your systems
  • Update software consistently
  • Only devices that are approved by the business or school itself should be used while working remotely
  • Secure endpoints
  • Encourage remote workers to come up with strong passwords

Utilizing these best practices is the greatest way to ensure your data and information stays protected. It’s up to schools and businesses to communicate these best practices to employees, parents and students in order for them to be effective.

Frequent communication could make all the difference in whether or not a breach takes place, and security is the responsibility of everyone. It’s important we are all aware of this fact.If you would like to learn more about data and security, and what you can do to stay protected, contact us! We would be happy to share our knowledge and help make sure you and your business or school are safe.

Is Interior Damage Covered by Car Insurance?

When you think of vehicle damage, a dented bumper or a smashed windshield might come to mind. But what about interior damage? 

If you’re dealing with things like ripped upholstery or damaged speakers, the repair costs can be astronomical. So it’s no wonder one of the most common questions we get from our clients is this: “Is interior damage covered by car insurance?” 

Is interior damage covered by car insurance?

We’re glad you asked! It’s important to understand your car insurance coverage, and it’s especially beneficial if you understand it BEFORE you need to use it. 

Like most types of vehicle damage, coverage for interior damage depends on how the damage occurred as well as what kind of coverage you have in place.

Interior damage from collisions

In the unfortunate event you’re in an accident and the interior of your car sustains damage, there are a few ways insurance could cover the repairs. 

First, if the accident is considered the other driver’s fault, their own insurance could go toward repairing the damage.

But let’s say you’re responsible for the collision. 

In that case, you’ll need collision insurance in place! If you only have the legally required minimum insurance, it won’t include coverage for repairing or replacing your own vehicle after an accident for which you’re at fault.

If you add collision insurance to your policy, it can help cover repairs and replacement from damage sustained in collisions with another vehicle, an object, or if you’re in a single vehicle collision (like a rollover). 

Damage not related to collisions

There are all kinds of ways your vehicle’s interior could get damaged that have nothing to do with an accident! 

All too often, we hear stories of campers who leave their car doors unlocked only to discover their upholstery has been torn to shreds by wildlife. When that happens, will insurance cover the damage?

In that case, you’ll want to have comprehensive coverage on your policy. This insurance applies to damage from non-collision related events, including animal damage like we just mentioned, as well as damage from falling objects, storms, vandalism, and theft. 

What kind of interior damage is covered by auto insurance?

Here are a few examples of interior vehicle damage that could be covered by your comprehensive or collision insurance:

  • Upholstery damage
  • Speaker damage
  • Interior vandalism 
  • Seat damage
  • Dashboard damage
  • Floor and trunk mat damage
  • Steering wheel damage

Are you interested in learning more about the Colorado car insurance options that give you the kind of protection you need for whatever comes your way? Get in touch today: 303-774-8810.

Do I Need Comprehensive Auto Insurance? Here’s How to Tell

It’s a question we get from our clients on a daily basis: Do I need comprehensive auto insurance? To help you answer this question, we like to present you with a number of situations where this additional coverage proves useful.

Before we explore when this insurance comes in handy, let’s discuss some of the basics of comprehensive car insurance.

What is comprehensive auto insurance? 

Comprehensive auto insurance, or comprehensive coverage as it’s often called, is a form of financial protection against a number of unexpected events that could damage your vehicle. 

Like collision insurance or liability insurance, comprehensive coverage was created with specific forms of protection in mind.

When you think of comprehensive coverage, think of coverage for physical damages from things other than collisions. 

Here are some of the events and damages comprehensive auto insurance can cover:

  • Damage from falling objects
  • Theft
  • Vandalism
  • Storm damage
  • Damage from animals

When will comprehensive coverage come in handy?

If you’re still not sure if this coverage is right for you, ask yourself if you could afford the cost of repairing or replacing your vehicle on your own. 

Further, imagine if any of these situations happened to you or your vehicle, and how you would cover the damages:

  • Your car window is smashed by a vandal and the paint is scraped on the doors
  • During a camping trip, a bear gets into your vehicle and damages the interior
  • You return home from a vacation to discover your car has been stolen
  • A large icicle falls on the hood of your car, doing extensive damage

As you can imagine, all of these situations would be costly to cover alone. With the help of comprehensive insurance, you’ll have added financial protection from things other than collisions! 

Click here if you’re interested in learning more about comprehensive motorcycle insurance.

Learn more about comprehensive auto insurance in Longmont

Are you interested in finding out more about comprehensive auto insurance in Longmont and if it’s right for you? We’re here to help! Our team is standing by to help you with all of your insurance needs in Colorado. Email one of our friendly agents today to get started.

Safeco Insurance and 1st American Insurance Agency Present the #MY60 Challenge!

Reclaim time to do more of what you enjoy: Join 1st American Insurance Agency and Safeco Insurance in taking the #MY60 Challenge to free up time and go on that new adventure, get involved in the community or do whatever makes you happiest.

Long summer days are a natural time for Americans to re-focus their time to do more of what they enjoy, but finding any extra time can still be challenging.  We at 1st American Insurance Agency are excited about partnering with Safeco Insurance in presenting the MY60 Challenge to encourage people to take back 60 minutes of their day, over a 60-day period this summer.

To help protect the often invaluable asset of “time,” 1st American Insurance Agency is inviting our customers to visit www.safeco.com/MY60  to find tips and checklists on how to create and maximize a “do more hour” for themselves.  Join us in taking the #MY60 Challenge, or use the hashtag #MY60 on Twitter to find tips and share experiences on finding an extra hour in your day to do more of what makes you happy.
“Safeco protects the things our customers value most, so they can have peace of mind and use more of their free time to do what they enjoy,” says Steven Pierce, Owner @1st American Insurance Agency.

A new Safeco Insurance survey found that more than four in five respondents agree they need an extra hour in the day The Safeco Insurance survey also demonstrated the tug-pull feeling Americans have on how much time they spend on things they have-to-do versus things they want-to-do, with respondents hoping for a near 50/50 split. However, the study reports people actually spend two-thirds of their time on have-to-do activities as opposed to only 33 percent focusing on want-to-do activities.

When it comes to time management, 66 percent of those surveyed believe they are only somewhat successful or not successful at all. In fact, only one-third of respondents feel that they successfully manage their time and complete daily to-do lists.

There is a bright spot to the findings: while four in five respondents agree they need an extra hour in the day, 70 percent say they would use that extra time to do something for themselves.  Topping the list of activities for a “do more hour” were personal hobbies (40%), having alone or personal time (29%) and trying something new (22%).
1st American Insurance Agency is proud to support the #MY60 Challenge and we’ve joined the challenge to find time to do more!

Please join us and Safeco by visiting www.safeco.com/MY60.

Or follow Safeco on Twitter at www.twitter.com/safecoinsurance.