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Expanded Tax Credit for those receiving unemployment

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If a taxpayer in the household receives or is approved to receive unemployment compensation (UC) for any week beginning in 2021, the taxpayer may be eligible for a premium tax credit that covers 100 percent of the premium for the benchmark Marketplace plan for the entire household, regardless of the taxpayer’s actual household income amount. This benefit also applies to consumers who receive or are approved to receive UC for any week beginning in 2021 and have incomes below 100 percent FPL and live in states that have not expanded Medicaid. Starting July 1, 2021, HealthCare.gov will allow qualifying consumers to access new premium tax credits. Consumers should return to HealthCare.gov after July 1 to update and resubmit their applications. They will need to select the option to “Report a Life Change”, update their application, and confirm their plan selection. A new question is being added to the Marketplace application for consumers can attest to having received or being approved to receive UC for any week beginning in 2021. If the consumer is currently receiving UC, then they should select the income type “unemployment”. Otherwise, they will attest that they have previously received it or approved to receive it. Any UC from a state or federal program qualifies consumers for the new tax credits. The UC benefit only applies for 2021. If eligible, new premium tax credit benefits will be applied prospectively beginning on the first of the month after making updates. So, current enrollees can have these new benefits applied as of August 1 if they complete their updates by July 31. Consumers will be able to claim credits for prior months (January – July) when they file their 2021 tax return. If taxpayers do not go back to the Marketplace to update their application, they may still claim these additional tax credits when they file their 2021 tax return. CMS is continuing to look at automating the application of these benefits for consumers who have already attested to receiving UC in 2021 and who do not return to the Marketplace. In households where only a tax dependent receives or was approved to receive UC in 2021, then the expanded tax credits only apply to that dependent – not the entire household. Qualifying consumers will be treated as if their household income is 133 percent FPL for purposes of determining tax credits and applying cost share reductions. The CMS press release on this new benefit was released earlier today: https://www.cms.gov/newsroom/press-releases/american-rescue-plan-lowers-health-insurance-costs-americans-who-may-have-lost-their-job

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How To Protect Your Home Against Tropical Storms And Hurricanes

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Whether it’s a Tropical Storm or Category 5, preparing for a storm is imperative for the safety of you and your loved ones. Proper preparation can also reduce the risk of home and property damage. Consider the following tips as soon as you know a big storm is headed your way. Know Your Evacuation Zone Evacuation zones are areas where storm surge may go. Your zone will tell you the likelihood of being affected by storm surge and if you should evacuate. If you don’t know what zone you are in, contact your local government-emergency management office, or search for your Evacuation Zone. Remember there is a window of time in which it is safe to evacuate. Decide if you will evacuate or stay well before the storm reaches you. Unless otherwise instructed by emergency responders, do not attempt to travel during the storm. Know Your Risks How vulnerable is your property to flooding from storm surge? Homes with higher elevation are less likely to be impacted by storm surge. Search your address in FEMA’s Preliminary Flood Hazard Map. If the preliminary data search tool is unavailable, please visit the alternate site to view your data. Learn more about the hazards of Storm Surge. Review Your Insurance Coverage Do you know your deductible and policy number? Contact your agent to make sure that your policy is current, and payments are up to date. Make sure you have notified your agent of any changes or renovations that have been made to your home. Obtain a digital copy of your policy from your agent. Know your coverage and deductibles. For example, are you covered in the event of a flood? Do you have adequate coverage for your home and personal property? Due to coverage limitations on jewelry, works of art, and some other content categories, it is recommended you speak with your agent regarding scheduling high-end items to ensure they have adequate coverage. Create a handy reference sheet with your policy information in the event your property is damaged during the storm including your agent’s name and phone number, best way to file a claim, and your policy number. Take A Personal Inventory Of Your Home And Major Possessions Take photographs and/or a short video of all areas of the home (inside and outside) including its contents and create an inventory list. Store contents in structurally sound, waterproof containers to help reduce the likelihood of damage. Make sure photos are time-stamped or include the current newspaper in the photo for time stamping. This will help during the claim process. Develop A Family Emergency Plan Before the storm occurs, sit down with your family or close friends and decide how you will stay in contact with each other, where you will go, and what you will do in an emergency. Document and keep a copy of this plan in your Hurricane Supply Kit or another safe place where you can access it in the event of a disaster. A great resource to help you formulate your plan is the Ready.Gov emergency plan page. Create a list of emergency phone numbers (doctor, veterinarian, animal shelters, Red Cross, etc.) to include in your emergency plan. If your home does not have a safe space for individuals to be during the hurricane, make different living accommodations to ensure safety. Homes with higher elevation are less prone to be impacted by storm surge. Prepare A Hurricane Supply Kit Gather personal hurricane supplies such as water, non-perishable food, batteries, radio, flashlight, and first-aid kit. Refer to our Hurricane Supply Checklist for a list of items we recommend. Be sure to include your personal “must-haves” in case you need to evacuate. Keep your kit in a designated place and have it ready in case you have to leave your home quickly. Make sure all household members know where the kit is kept. Store a reserve supply of drinking/washing water in clean bathtubs, containers, and non-breakable bottles. Place valuables and important documents in a plastic bag or waterproof container and store them at the highest level in your home. Buy extra supplies in case of unexpected damages during the storm and keep your car’s gas tanks as full as possible. Secure the Outside of Your Home If you don’t have storm shutters, board up all vulnerable accesses such as doors, windows, and garage doors. Prior to every storm season hire a professional tree service to trim all trees that are near or hanging over your home. Bring in outdoor hanging and potted plants and objects such as lawn furniture, toys, and garden tools; anchor objects that cannot be brought inside. It is not recommended that you throw outdoor furniture into your pool- this practice can damage both your furniture and pool. (Article Courtesy: UPC Insurance) Get A Quote

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Spate Of Sudden Policy Cancellations Impacting Florida Homeowners

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You wouldn’t want to head into Hurricane Season without this necessity. Some homeowners insurance carriers are canceling thousands of policies with little notice to their customers. When Becky Ghrist’s homeowner’s insurance dropped her just weeks before hurricane season was set to begin, she was floored. “This isn’t just. I thought it was just happening to me because my house was older, but that’s not the case at all. I’m finding out that it’s happening to many people all throughout the state,” Ghrist said. “Especially the coastal areas. A lot of these companies are pulling out because of risk assessment they say. And they just don’t, you know, it’s not profitable for them anymore,” said Ghrist. Tens of thousands of Florida policyholders are in that same boat. They are now in search of new homeowner’s insurance carriers after several Florida-based companies dropped them. The Insurance Information Insitute says the reason for this is over-the-top expenses hitting insurers, who lost $1.6 billion last year alone. Mark Friedlander works with the Insurance Information Institute. “What led to those losses primarily were roofing schemes, door to door solicitations for roof replacements, where they don’t necessarily need to be roof replacement,” Friedlander said. “More than 100,000 property lawsuits were filed against Florida insurers last year,” said Friedlander. These lawsuits, plus costs from last year’s record-setting Hurricane Season put heavy pressure on insurers. Now, they are looking to reduce risk by canceling policies, policies like Ghrist’s. “And even what I was told if I even do get a policy, I can expect rates to go up 30 to 50% which is a huge increase,” Ghrist said. “And it makes you wonder how you were going to afford it. But like I said you know you have to have coverage. Especially with hurricane season coming. It’s a very scary thought not to have coverage.” Joyce Ramos’ insurance company told her to put on a new roof or she’d be canceled. “It’s upsetting,” Ramos said. “I just think that’s it’s very unfair.” After she complained, the company changed its tune and renewed her policy. If you’ve received a notice of your policy being canceled, the Insurance Information Institute says the best thing for you to do is talk to your insurance professional to see what your options are before making any decisions. (Article Courtesy: WINK News) Get A Quote

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3 Energy Upgrades That Can Change Your Home Insurance Premiums

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Green energy is the way of the future. Many homeowners are investing in energy upgrades that will save money and power. What most people don’t think about is how these improvements will affect their insurance premiums. These three energy upgrades may impact how much you will pay for home insurance. outside of a home insurance. Solar Panels Solar panel companies are a dime a dozen. While discussing lower electricity bills and renewable energy, few companies mention home insurance. Once you make an investment in solar for your home, you will want to protect it with your home insurance policy. Many companies consider solar panels an addition to your home and may raise your premium. It generally averages out to a few dollars a month and is sometimes offset by savings in electricity. Energy Efficient HVAC Some people consider new a central air system and furnace a luxury. However, they may lower your insurance premium. Older models tend to have outdated electrical components that make them a fire risk. Not only are new HVAC systems efficient at heating and cooling your home, but they can also lower your premium. Add in tax credits for energy efficient models, and a new HVAC system is more affordable than you might think. New Windows It is no secret that new windows keep your home cooler in the summer and warmer in the winter. But they also help protect your home from theft. Automatic locking mechanisms and unbreakable treatments on glass can keep intruders from entering. They can also lower your home insurance premium. With a monitored security system, new windows may be the best investment you can make in home protection. With so many green upgrades available, confusion runs rampant about how each one will affect your premiums. Contact your carrier for information that is unique to your home and policy. We’ve got you covered. Call SWFL Insurance at 1800-829-5270 for more information or to get a home insurance quote.

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Earn Up To $500 In Rewards When You #StayHealthyatHome

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While some aspects of life are slowly returning to normal, that doesn’t mean you aren’t still feeling the heavy impact of the coronavirus. The coronavirus has complicated life in ways we couldn’t have expected. That’s why resources like our online wellness and rewards program, Better You Strides, are helpful with staying connected and healthy while staying at home. To help you during this challenging time, we’re creating more opportunities for premium assistance through our Better You Strides program. If you purchased an Affordable Care Act plan for you and your family (not through your job), here are some ways you can earn money toward your premium. More Rewards And Flexibility Don’t let staying home stop you from earning rewards. Instead of $100, you can now earn up to $500 a year in rewards for doing healthy activities online. That’s an extra $400 toward your premium. We’re also making it easier to complete activities online and get rewarded. You can now complete all six reward activities any time you want. You are no longer limited to completing one per quarter. You and each of the dependents on your plan age 18 or older can complete the rewards activities. That’s $500 each, per year, toward the cost of your premium. So, if four people on your plan qualify and do the wellness programs, you could save up to $2,000 toward your premiums this year! Start your journey by taking 15–20 minutes to complete a personal health assessment. You’ll immediately earn $250 in rewards when you complete it, and it will set the path for the health and wellness activities, videos and quizzes you tackle along the way. The wellness activity topics can be educational or interactive and include managing your health conditions, healthy snacking, planning meals and managing stress—all things that could prove valuable right now. You’ll now earn $50 in rewards for each eligible self-guided health and wellness program you complete (up to four programs). When you finish one program, you’ll get choices for the next one. You can also earn an additional $50 in rewards by completing the “Reduce My Premium” journey card. You’ll have access to the activity immediately upon logging in to your Florida Blue account and clicking on Better You Strides. (Article Courtesy: Florida Blue) Contact Us

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How To Improve Your Home’s Window Security

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It’s important that everyone keep their home secure, and to do so you might take numerous precautions. It might be as simple as locking your doors (even when you are at home) or installing a security system. Plus, you can buy home insurance to protect you in the event a problem ever does arise. Still, there are a few less obvious but necessary steps that you should take to further increase your home’s security. For example, the investment in more secure windows and additional window safety features can assist you in making your dwelling safer all around. Let’s take a closer look at how you should approach window security. Are You Vulnerable To Home Break-Ins? You want to make it as hard as possible for an uninvited person to enter your home. To do so, you must start out knowing exactly how they might be able to get into your dwelling in the first place. Ask yourself what your home’s most likely entry points are. These might of course be exterior doors (including cellar doors), but you must not forget that windows also can be entryways, particularly if they are on your ground floor. It might not be hard, after all, for someone to approach the home, cut your window screen and then push open your window. At minimum, you should leave your windows locked whenever you don’t have them open. It only takes a moment to do so, and there’s no benefit at all to have windows that are unlocked but closed. Though a simple task, locking your windows can do a lot to keep unwanted intruders out. But there’s always more you can do to keep your interior secure. Additional Risk Management Tips If you are looking for additional ways to keep your home’s windows, secure, consider a few of the following ideas. They’ll be easy to take on the next time you do home maintenance. Look for signs of window damage. Remove and replace broken windows (or single panes). Replacing broken windows helps save energy in addition to making the home more secure. Replace missing or broken screens. If you can see that there’s an easy way for someone to tear cut or slide the screen open, then the screen is no longer offering optimized security. Keep curtains closed or blinds drawn after dark. A passerby should not be able to see into a lighted home. By seeing what you have inside, they might be tempted to break in. Consider using smart window technology throughout the home. By applying smart sensors around windows and doors, you will receive a mobile alert when someone opens a window, and you’ll be able to act. If you want to invest in a high-end security system, you will likely receive window sensors and a monitoring service as part of this package. If someone were to break into your home through one of your windows, then your home insurance policy can help you repair structural damage and replace stolen belongings. Still, having coverage does not mean you shouldn’t do all you can to minimize break-in risks. Therefore, by keeping your windows secure, you’ll go a long way toward preventing break-ins in the first place. Get A Quote

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American Rescue Plan Act Expands Subsidies

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Summary The American Rescue Plan Act passed both the house and senate and was signed into law by President Biden on March 11, 2021. Many people will focus on the additional stimulus money that will start to be sent in March. However, there are several key changes to share with your customers and members that dramatically improve Marketplace access and affordability. Update: We’ve provided additional facts about this legislation’s impact on subsidies, including a link to the new CMS fact sheet and agent talking points. Details Increased Subsidy Amounts And Expanded Access To Subsidies The American Rescue Plan Act increases the subsidy amounts for all currently subsidy-eligible consumers, and subsidies may now be available for those earning over 400% of the federal poverty level (FPL). You can review the updated FPL job aid here. Update: We’re still working through all the details of this legislation, but here are a few important notes. Starting on April 1 for plans with a May 1 effective date two things will be available at SWFL Insurance: Increased premium tax credits based on the lower income contribution percentage Expanded tax credit access to consumers with household incomes above 400% This means that new consumers and current enrollees who submit an application and select a plan on or after April 1 will receive the increased premium tax credits for 2021 Marketplace coverage. Current enrollees, including those who recently enrolled through the 2021 Special Enrollment Period, must update their applications and enrollments in order to get new eligibility results starting April 1. They’ll need to reselect their current plan in order for the changes to take effect to reduce their premiums for the remainder of the year. Consumers who need coverage starting April 1 should still apply and select a plan by the end of March through the Special Enrollment Period (SEP) so coverage can start April 1. Then to get the added benefits, they should come back after April 1, your application again, and reselect their current plan to have increased tax credits applied to their coverage for May 1 forward. Note: Consumers with ACA plans effective April 1, 2021, or earlier, have the choice of waiting until they file their taxes next year in 2022 to receive the additional premium tax credit amount when they file and reconcile their 2021 taxes. However, we recommend all enrollees, after April 1, update their application and review their plan options during the 2021 Special Enrollment Period through May 15 because they may be able to choose a plan with lower out of pocket costs for the same price or less than what they are currently paying. The updates to the subsidy schedule extend through December 31, 2022. Below are some important changes to note. We will keep you updated as more details of the American Rescue Plan Act are available. Common Scenarios Consumer Scenarios Previous Guidance   American Rescue Plan Changes Subsidy eligible between 100-150% of FPL Individuals who make under 133% of the federal poverty level were expected to pay 2% of their income for the benchmark plan. From 133% to 150% it scales up from 3% to 4% of income. Are now eligible for a $0 monthly payment the first and second lowest Silver plan in their county. Subsidy eligible FPL between 151% and 399% They received premium subsidy based on the cost of the benchmark plan, from 4% to 9.5% Subsidies depend on county, age, and FPL. Everyone will receive a larger subsidy. The size of the increase will also depend on county, age, and FPL. Many Bronze options may now be free to consumers. Over 400% of FPL Individuals in tax households who were over 400% FPL were not eligible for subsidies. Consumers may now have access to subsidies. There is no upper income limit on premium tax credit eligibility, meaning that all middle- and upper-income individuals who purchase their own coverage qualify for a subsidy if their premiums exceed 8.5 percent of their household income. Individual collected or collects at least one unemployment check in 2021 Modified Adjusted Gross Income (MAGI) used to determine subsidy and CSR eligibility was calculated the same way for all tax households. Consumer is treated as the applicable taxpayer and their tax household is capped at 133% of FPL for the purpose of CSR and subsidy calculation for 2021. Unemployed individuals on COBRA Consumers qualify for a SEP for an ACA plan within 60 of losing their group coverage. Consumers qualify for an SEP within 60 days of COBRA expiring. A proposed rule that is pending finalization would create a SEP when an employer ends its contribution to COBRA. It is possible that CMS will amend this to include Federal contributions Consumers receive a 100% subsidy of COBRA health insurance premiums so unemployed workers can remain on their employer healthcare plans through the end of September 2021. What This Means For Members And Consumers  Members Scenarios Situation  Next Steps  Current members who fall into 100-150% FPL and currently have a monthly premium above $0 These members’ subsidy will equal the premium of the second-lowest cost silver plan. Bronze enrollees should buy-up to silver CSR plans. Staying in their current product (HOI vs BCBSFL) will ensure they keep their progress towards their accumulator. Subsidy amounts will update after a person enrolls in a new plan or updates their subsidy application after April 1. The updated subsidy amount will apply to the next month’s bill. CMS should have the subsidies adjusted to reflect the new law by April 1, which means May is the first month where it will be possible to receive an updated subsidy. These members may also be a candidate for an ancillary product, using the reduced monthly premium toward an ancillary premium. Current subsidized members who pay $0. These members will not be affected by the changes, but they may be able to buy up to higher value coverage. If they are 150-200% FPL, they will likely want to buy up to CSR silver. Depending on

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The Fundamentals Of Condo Insurance

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Condominiums are as much homes as any other dwelling, which is why they need to always be insured appropriately. However, condos are also unique properties with unique features, which is why their insurance needs are a bit different from those of the average single-family home. Still, condominium insurance contains many of the benefits of homeowners insurance; it’s just customized to the liabilities specific to this type of property. Let’s take a closer look. Benefits Included In Condo Insurance If you own a condo, you essentially live in a property that is similar to an apartment (meaning it shares walls with other dwellings), but that is owned by you. While you are responsible for your own dwelling, your greater condominium association will take care of certain portions of the property on your behalf. Therefore, condo ownership tends to be a cross between tenancy and full home ownership. As a result, your property insurance needs are unique. Most condo insurance policies come contain three primary benefits: Personal Belongings Coverage: This provides compensation for personal items that are lost or damaged due to fire, lightning, smoke, wind, hail, theft or vandalism. Liability Insurance: This covers bodily injury and property damage someone else may suffer while visiting your home. This coverage can also help you in case of a lawsuit. Additional Living Expenses Coverage: This pays the costs related to temporarily moving while the condo is being repaired or rebuilt after a disaster. There is dwelling insurance available on condo insurance policies. However, it is different from the coverage contained within standard home insurance. It does not cover the exterior of the property, and the condo association will usually carry the coverage for structure damage within their master plan. Association policies cover structures in either all-in or walls-in terms. An all-in policy covers items within the condo – such as fixtures, flooring and appliances, on behalf of the client. A walls-in policy, however, does not cover these inside fixtures, and at this time the occupant will need to turn to their own policy. If your landlord only carries a walls-in policy, you must purchase your own property coverage within your condo insurance. Be forewarned, however, that even when the condo association has an all-in coverage, they might still require you to turn to your own benefits in order to repair the damage to the home. For example, if you are at fault for a house fire that damages part of the structure, the association might demand that you compensate them for the damage using your liability insurance. For help putting together the condo insurance that is best for you, contact one of our agents today. SWFL Insurance is staffed by a team of friendly, knowledgeable insurance experts who know how to dig into the details of your condo plan and ensure you get the best possible coverage. Get A Quote

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The Basics Of Boat Insurance

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No one can say Florida is not a nautical state and living there offers numerous aquatic sporting opportunities. Thousands of Floridians are boat owners. And whether you own a simple sailboat or a top-of-the-line yacht, your vehicle is going to represent as much value to you as any automobile, RV, motorcycle or airplane. To safeguard both your property and its value, you need the protection provided by quality boat insurance coverage. Boat insurance looks a lot like other forms of motor vehicle insurance. However, it is of course designed specifically to apply to the liabilities present on a marine vessel. It’s in your best interest to get as comprehensive a policy as possible, and you can do that with the help of your SWFL Insurance agent. Below, we’ve outlined the essential coverage provided by most boat insurance policies, and with our help you’ll be able to start your search for coverage knowing what to look for. Primary Insurance for Boaters—Physical Damage & Liability Insurance When you buy boat insurance, you are protecting your vessel, passengers, equipment and other financial liabilities in the event of a significant, unexpected accident involving the vessel. If you were to have an accident, if the boat gets stolen or damaged by fire, or if you cause an accident that causes harm to others, then you will be able to use your boat insurance to cover the recovery costs. There are three core benefits within most boat insurance policies: Physical Damage Insurance: This coverage insures your hull, motor, boat trailer, boat equipment (anchors, oars, fuel tanks, life jackets, dinghies, tools, etc.) and other personal property against theft, accidental loss or collision damages. Marine Liability Insurance: Liability insurance will pay when you are at-fault for an accident that causes harm to others. It will provide payment for the legal obligations imposed upon you due to an accident resulting from the ownership, maintenance, or use of your watercraft. Usually, it will cover third-party bodily injuries and property damage. It will cover your own legal defense arising from these challenges. Medical Payments: If you are injured in a boating accident, then this coverage will pay for your own medical bills. It can also cover your passengers’ injuries, as well. Expanding Upon Your Boatowners Insurance Benefits It’s up to you to select the coverage limits, deductibles and other benefits within your boat insurance to help you receive as much coverage as possible if you ever file a claim. Often, this will mean expanding upon your core benefits to achieve more substantial protection. Additional coverage that can work to your advantage includes: Guest Passenger Liability Insurance: If you ever let someone command your boat (either with you aboard or alone) then this coverage will extend your liability benefits to those operators. Emergency Service Insurance: This pays for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer. Wreck Removal Coverage: This pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your watercraft. Umbrella Liability Coverage: This provides additional liability coverage across the board for home, auto and watercraft insurance policies. Therefore, if you were to face a liability claim that exceeds the limits of your primary watercraft liability insurance, you will be able to turn to this coverage for additional assistance. All in all, you must create your boat insurance policy based on what coverage you need, not based on the coverage held by the owner of the boat across the street. It’s your insurance agent at SWFL Insurance who will be your advocate in helping you determine precisely the coverage that will be of the greatest benefit to you. From start to finish, you can trust us to build a comprehensive personal watercraft insurance policy that will always keep you and your vessel secure. Get A Quote

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Why You Should Work With An Independent Agency When Buying Home Insurance

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When you buy a house, you will spend a lot of time, money and effort over the years maintaining it and adapting it to fit your unique needs. Still, you are not immune to numerous risks and liabilities that threaten all homeowners, no matter how careful you try to be. That’s why you should be able to rely on your homeowners insurance to provide exceptional benefits when you need them most. The best way to get such optimized coverage is to work with an independent insurance agency like SWFL Insurance. We know that you have a choice of agencies, which is why we will work hand in hand with you to earn your trust, find perfect coverage solutions and help you maintain your home insurance for years to come. Consider just a few of the advantages of working with an independent agency like SWFL Insurance. 1. Choices Of Plans From Multiple Carriers Because our agents are independent, they are not bound to sell only the policies of a single insurance carrier. Instead, we are partnered with numerous major carriers, all of which offer customizable and competitively priced homeowners insurance packages. We’ll do a comprehensive comparison of all plans within our network to help you find the one that offers you the most optimized coverage. 2. More Access To Savings Potential An affordable plan particularly comes in handy when it comes to your homeowners insurance. After all, you never want to run the risk of your coverage lapsing due to nonpayment. Still, just because two insurance policies look alike, that does not mean that they are priced the same. Two similar policies from different carriers might be priced differently depending on the quote each carrier is willing to offer. With our help to compare different policy options, you’ll always be able to land on the one that is best for your budget. 3. Local, Personalized Services Whether you need to file a claim on your home insurance or just want to check to see if your plan still offers you optimized benefits, you shouldn’t have to deal with long hold times and impersonal agents. At SWFL Insurance, we’re your one-stop shop for all your policy needs, and we fully believe that the best way to satisfy our customers is to be responsive to them when they need us. That’s why when you work with us, you’ll always talk to someone who understands your situation, empathizes with you, and is committed to helping you solve your problem. We are rooted in our community, and we know what our customers are looking for in their homeowners insurance. We’ll make sure you get both the general and specialized coverage you need to always protect your home, possessions and family in the best possible ways. Also Read: Homeowners Insurance And The Responsible Dog Owner Get A Quote

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