SEASONAL SPOTLIGHT
Understanding the Mediterranean Diet
• Determine what you can afford by assessing the impact of both coverages on your financial stability. It’s important to consider the difference in premium costs and claim compensation amounts between each form of coverage. • Create a home inventory checklist (be sure to include photos) of all of your belongings and their original value, as well as an estimate of their current value. This practice will help you better determine which coverage offers the best protection for your unique belongings. Keep in mind that certain high- value items—such as jewelry, collectible items or fine art—won’t be covered by your homeowners insurance policy and will require specialized coverage. • Calculate how much it would cost to recover damaged or lost property inside your home. Include added costs for labor, materials and any new or updated building codes in your community that you would be required to comply with. Avoid making a rough estimate for this cost. • Analyze your personal risk. Be sure to select a coverage option that fits within your budget, risk profile and comfort level. We’re Here to Help Alera Group is here to walk you through your homeowners insurance policy and provide expert guidance regarding which coverage option is best for you, your belongings and your wallet. Contact your Alera Group Personal Insurance Account Manager for further coverage guidance.
The Mediterranean diet is a meal plan focusing on consuming whole grains and heart-healthy fats. This diet may help support brain function, promote heart health and regulate blood sugar levels. Although there are no concrete rules for following the Mediterranean diet, there are some guidelines for incorporating the principles of this meal plan into your daily routine. The following foods are encouraged: • Fruits —This includes apples, bananas, dates, figs, grapes, melons, oranges, peaches, pears and strawberries. • Vegetables —This includes broccoli, Brussels sprouts, carrots, cauliflower, cucumbers, kale, spinach, onions, potatoes, spinach, sweet potatoes, tomatoes and turnips. •Nuts and seeds —This includes almonds, almond butter, cashews, hazelnuts, macadamia nuts, pumpkin seeds, peanut butter, sunflower seeds and walnuts. • Legumes —This includes beans, chickpeas, lentils, peanuts and peas. •Whole grains —This includes barley, buckwheat, brown rice, corn, oats and whole-wheat bread and pasta. •Fish and seafood —This includes clams, crab, mussels, oysters, salmon, sardines, shrimp, trout and tuna. •Herbs and spices —This includes basil, cinnamon, garlic, mint, nutmeg, rosemary and sage. •Healthy fats —This includes avocados, avocado oil, extra virgin olive oil and olives. The plan also encourages poultry (e.g., chicken, duck and turkey), eggs, cheese and yogurt in moderation. Sweets, red meat and other highly processed foods should be limited. You can start building Mediterranean-inspired meals with foods you already love or incorporate more fruits and vegetables into your meals and snacks. If you have any questions about your diet, talk to your doctor.
A Home Inventory Checklist To ensure that your possessions will be replaced in the event that your home is damaged or burglarized, complete a home inventory checklist. This is a document that lists your belongings and a great tool to assist you in determining which items were destroyed or stolen. The value of the items will help you determine if you have enough insurance coverage.
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This month’s Seasonal Spotlight video provides tips on how to manage seasonal allergies. This video is for informational purposes only and is not intended as medical advice. For further information, please consult a medical professional.
> Click here to download your own home inventory checklist.
Personal Finance Quarterly | Spring 2023
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