YOUR INSURANCE TIPS
  • Insurance Tips

We love helping Uninsured Drivers get legal.

4/12/2021

0 Comments

 
Picture
Has your auto insurance been cancelled for non-payment?
Have you had too many tickets or accidents?
We love helping Uninsured Drivers get legal.
Our companies do not penalize you for not having insurance.
We have companies that specialize in offering affordable auto insurance for any vehicle, any driver, any age.
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
Call us at your convenience and let us see how much money we can save you on your insurance.
0 Comments

We love helping Uninsured Drivers get legal.

4/12/2021

0 Comments

 
Has your auto insurance been cancelled for non-payment?
Have you had too many tickets or accidents?
We love helping Uninsured Drivers get legal.
Our companies do not penalize you for not having insurance.
We have companies that specialize in offering affordable auto insurance for any vehicle, any driver, any age.
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
Call us at your convenience and let us see how much money we can save you on your insurance.
0 Comments

We love helping Uninsured Motorcycle Drivers get legal.

4/9/2021

0 Comments

 
Picture
Has your motorcycle insurance been cancelled for non-payment?
Have you had too many tickets or accidents?
We love helping Uninsured Drivers get legal.
Our companies do not penalize you for not having insurance.
We have companies that specialize in offering affordable motorcycle insurance for any model, any driver, any age.
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
Call us at your convenience and let us see how much money we can save you on your motorcycle insurance.
0 Comments

April 09th, 2021

4/9/2021

0 Comments

 
Picture
We love helping Uninsured Motorcycle Drivers get legal.
Has your motorcycle insurance been cancelled for non-payment?
Have you had too many tickets or accidents?
We love helping Uninsured Drivers get legal.
Our companies do not penalize you for not having insurance.
We have companies that specialize in offering affordable motorcycle insurance for any model, any driver, any age.
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
Call us at your convenience and let us see how much money we can save you on your motorcycle insurance.
0 Comments

How to protect your small business against today’s most common risks

4/7/2021

0 Comments

 
Picture
  • A BOP—a Business Owners Policy—can protect your small business against today’s most common risks. Fire, burglary, liability and business interruption losses are all covered under a BOP.
  • Since a BOP is prepackaged, there is only one policy to review and it can be more cost effective than purchasing separate policies. Additional coverage can be added in the form of endorsements or riders.
  • Since a BOP insurance policy is specifically designed for small and medium-sized businesses, the type of business can influence eligibility. Normally, companies with 100 employees or fewer and revenues of up to about $5 million or less are candidates for a BOP. Some types of businesses, such as restaurants, may be ineligible for a BOP because of the specific risks inherent in the business and may need to consider buying the individual coverages separately.
Combining three insurance policies into one package
In a single, convenient package, a BOP provides the core insurance that most small businesses need, including:
  • Property insurance—Protection for your building or office space, as well as property owned by your business, such as equipment and inventory.
  • Liability insurance—Coverage for costs that arise if someone is injured at your business or by using your products or services.
  • Business interruption insurance—Also known as Business Income insurance, this coverage replaces lost revenues in the event that your business has to shut down due to fire, wind damage or other covered losses.
You can tailor a BOP to meet your needs
  • It’s important to understand that a BOP doesn’t cover all risks associated with running a small business and the coverage limits are usually lower. If you have employees, you may be required to carry workers compensation insurance, depending on your state. If you have a business-owned vehicle, you’ll need coverage beyond your personal car insurance. You might also consider insurance for relatively new risks such as computer system break-in or business identity theft.
There are unique risks associated with your small business; an insurance professional can help you find the coverages that are right for you. Here are some other types of insurance to explore and ask about:
  • Professional liability insurance
  • Employee practices liability insurance
  • Business vehicle insurance
  • Workers compensation
  • Health and disability
  • Flood and sewer back-up
  • Cyber risk insurance
  • Terrorism insurance
Increasing your coverage with excess and umbrella insurance
You can increase the protection provided by your BOP and other business insurance policies by adding an excess liability or umbrella insurance policy. This type of supplemental policy boosts your coverage beyond the limits of your primary insurance policies. Depending on the policy, your umbrella coverage is designed to broaden and increase coverage; “filling in the gaps” left by other types of liability insurance by covering additional areas of risk and even reimbursing you for deductibles. Our insurance agency can advise you about combining an umbrella policy with a BOP or other business insurance.
Our agency can help you understand the many risks associated with running a small business. Feel free to contact us for a no-obligation review of all your insurance needs
0 Comments

Auto Insurance Myths That Can Cost You Money

4/5/2021

0 Comments

 
Picture
Myth 1 – Color determines the price of auto insurance
It doesn't matter whether your car is “Arrest Me Red” or “Hide In Plain Sight White”—the color doesn’t actually factor into your auto insurance costs. The price of your auto policy is based on many factors, such as car make, model, body type, engine size and the age of the vehicle, as well as the car’s sticker price, the cost to repair it, its overall safety record and the likelihood of theft. Insurers also take into account the age, driving record and sometimes the credit history of the driver.
Myth 2 – It costs more to insure your car when you get older
Quite the opposite, in fact—older drivers may be eligible for special discounts. For example, those over 55 years of age can get a reduction in their auto insurance premium if they successfully complete an accident prevention course (available through local and state agencies as well as through the AAA and AARP). Retirees or those who aren't employed full time—and therefore, who are driving less—may also be eligible for a car insurance discount. Older driver programs and discounts vary by state and insurance carrier and driver age, so if you think you may qualify, check with our insurance agency.
Myth 3 – Your credit has no effect on your insurance rate
Your credit-based insurance score—which is derived from your credit history—may matter. A good credit score demonstrates how well you manage your financial affairs and has been shown to be a good predictor of whether someone is more likely to file an insurance claim so many insurance companies take it into consideration when you want to purchase, change or renew your auto insurance coverage. People with good credit—and, therefore good insurance scores—often end up paying less for insurance.
Myth 4 – Your insurance will cover you if your car is stolen, vandalized or damaged by falling tree limbs, hail, flood or fire
This is only true if you opt for comprehensive and collision coverage along with your standard policy. If a car is worth less than $1,000, or less than 10 times the insurance premium, purchasing these coverages may not be cost effective—but you do need to have collision and comprehensive insurance to fully protect your vehicle from all types of damage.
Myth 5 – You only need the minimum amount of auto liability insurance required by law
Almost every state requires you to buy a minimum amount of auto liability coverage but buying only the minimum amount of liability means you are likely to pay more out-of-pocket for losses incurred after an accident—and those costs may be steep. The insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident. If you have substantial personal financial assets to protect in the event of a lawsuit, you may even want to consider an umbrella liability policy.
Myth 6 – If another person drives your car, in the event of accident, his or her auto insurance will cover the damages
In most states, the auto insurance policy covering the vehicle is considered the primary insurance. This means that the car owner’s insurance company must pay for damages caused by an accident, regardless of who is driving. Policies and laws differ by state, so make sure you understand the rules before allowing another person to drive your car.
Myth 7 – Personal auto insurance also covers business use of your car
If you are self-employed and use your vehicle for business purposes, personal auto insurance may not protect you so it’s important to purchase business vehicle insurance. If you have other people—such as employees—using your vehicle, regularly check their driving records.
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
So, let us do the searching for you for free! Call our office for a Quick Quote and visit our website.
0 Comments

Here's hoping you have a fun, sunny, memorable Easter.

4/1/2021

0 Comments

 
Picture
​Wishing you a season filled with peace, joy, and beautiful weather. Happy Easter! Hop over to our office when you get a chance!
0 Comments

Disaster Preparedness for Your Smartphone

3/29/2021

0 Comments

 
Picture
Spring weather may still be around the corner for some of us, but the threat of tornadoes, hail and damaging winds are still present. With the weather so unpredictable this week, it’s important for all businesses and families to be prepared for the unexpected.
To help you and your family prepare for severe weather and emergencies of any kind, check out these freely available mobile apps:
  • FEMA App - Preparedness information for different types of disasters, an interactive checklist for emergency kits, a section to plan emergency meeting locations and information on how to stay safe and recover after a disaster.
  • Red Cross Mobile Apps – The Red Cross provides over a dozen mobile apps featuring videos, interactive quizzes and simple step-by-step advice and life-saving information on how to handle the most common emergency situations.
Want to speak with a local insurance agent from the comfort of your home? We will quote & bind on-line! Most things can be done by phone, e-mail, and e-signature thus avoiding the need for an in-person meeting in our office.
0 Comments

Recovering from a Tornado

3/26/2021

0 Comments

 
Picture
​Protecting yourself and your family
  • Keep calm. Stay in your shelter until after the storm is over.
  • Check people around you for injuries. Begin first aid or seek help if necessary.
  • When you go outside, watch out for downed power lines.
Protecting your property
  • Make temporary repairs to prevent further loss from rain, wind or looting. These costs are reimbursable under most policies so keep the receipts.
  • Keep receipts for additional living expenses such as temporary housing. These costs are reimbursable under most policies so keep the receipts.
  • Make a detailed list of all damaged or destroyed personal property. Don't throw out damaged property until you have met with an adjuster.
  • Check utility lines and appliances for damage. If you smell gas, open the windows and turn off the main valve. Don't turn on lights or appliances until the gas has dissipated. If electric wires are shorting out, turn off the power.
  • Don't be rushed into signing repair contracts. Deal with reputable contractors. If you're unsure about a contractor's credentials, contact your claims adjuster, Better Business Bureau or Chamber of Commerce for referrals. Make sure the contractor you hire is experienced in repair work - not just new construction. Be sure of payment terms and consult your agent or adjuster before you sign any contracts.
  • Notify your insurance agent or company representative as soon as possible. If you have vacated the premises, make sure our representative knows where to contact you.
Protect yourself, protect your family, protect your property from further damage and contact our agency ... in that order.
0 Comments

​Mysterious Disappearance and Jewelry

3/24/2021

0 Comments

 
Picture
Mysterious disappearance is a term often used by insurance professionals to describe a claim for lost jewelry or a lost gem from a piece of jewelry. The disappearance of the item might not actually be a mystery – the insured person might know exactly where the item was lost – but it might be irretrievable. For example, suppose a woman might lose her wedding ring while swimming in a lake. She knows where the ring is, but to her, it is lost forever.
Most Policies Provide Limited Coverage
  • Homeowner's insurance policies typically provide limited coverage for jewelry. Policies generally do not cover jewelry, or gems from jewelry pieces, that are simply lost or mysteriously disappear. Read your homeowner's insurance policy carefully to determine whether your valuables, such as a diamond ring, are adequately insured.
  • Insurance policies differ from one company to the next, but policies typically limit coverage for jewelry and other types of items that might be very valuable. The most common types of homeowner insurance policies impose a limit of $1,500 for loss by theft of jewelry, watches, precious and semi-precious stones. This means that, regardless of how many jewelry items might be missing following a theft loss, the insurance company will not pay more than $1,500 for the loss.
  • There is no limitation on jewelry (up to policy limits) if the loss occurs as a result of another insured peril. So, for example, if jewelry is damaged as a result of a fire the items would be covered. There is no coverage at all for jewelry or gems that are simply lost because mysterious disappearance is not a peril covered under the policy.
Now is a great time to review your current coverage. We will give you a free, no-obligation review even if you are not insured through our agency.
0 Comments
<<Previous

    Useful Information 

    Various articles on protecting yourself & your family

    Archives

    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019

    Categories

    All

    RSS Feed

Photos used under Creative Commons from Robert Couse-Baker, kinglear55, osseous, Patrick Feller, Jaykhuang, f2 photografia, State Farm, mikecogh, Chris Bloom, Gamma Man, Seth Lemmons, Gerry Dincher, VirtualWolf, Free Public Domain Illustrations by rawpixel, Peter O'Connor aka anemoneprojectors, ccPixs.com, wuestenigel, elizabeth nolan brown, vicentedorsey, Alexandre Prevot, Ninara, Informedmag, Puddin Tain, Rexness, wwarby, Elvert Barnes, Ninara, Free For Commercial Use (FFC), mikecogh, Emery Co Photo, robspiegel, Karen Roe, Alexandre Prevot, joshuaheller, France1978, irio.jyske, Chase Lewis, ephidryn, ToGa Wanderings, AutoRentals.com, www.ilkkajukarainen.fi, akeg, Yves Sorge, Francis Bourgouin, Tim Green aka atoach, Ben Taylor55, driver Photographer, Martin Pettitt, toptenalternatives, ms.Tea, anttilipponen, Christian Haugen