When was the last time you reviewed your insurance coverage? The beginning of the year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans? Call our office today, and we can help you find the right combination of coverage and price.
Did you have any of these changes in the last year?
1. Bought a new car or sold a car
2. Changed your marital status
3. Bought a boat, RV or ATV
4. Change of address
5. Welcomed a new baby into the family
6. Major inheritance
7. Have a new teen driver in the family
8. New purchase of guns, jewelry or art
9. Child headed off to college
10. Child over the age of 26
11. Purchased second home
12. Plan foreign travel
13. Started a home based business
Insurance “To Do” List
· Review my insurance to make sure I have the right coverage
· Take the time to read my insurance policies
· Consider increasing my umbrella coverage
· Check my credit score
· Get a quote for earthquake insurance
· Consider an alarm system
· Clean my gutters
· Have I replaced all the batteries in my smoke detectors?
· Does my insurance agent have all my correct information, including new phone number, address, and newly purchased property?
· Consider increasing my auto deductibles on my older vehicles
· Make sure I have identity theft insurance
· Combine my auto and home insurance to save money
· Complete a home inventory to ensure my property values are correct
· Do I have enough life insurance?
· Do I need life insurance for my spouse?
Call us today and allow us to help you manage your insurance program.
It is that time of year when many of us give that special person in our lives a gift that they will enjoy year round. Valentine’s gifts typically can include watches, jewelry, art, cameras and other valuable items.
CNN reports that Valentine’s gift spending will reach $18.6 billion dollars this year. $4.4 billion dollars will be spent on jewelry alone. Other interesting Valentine’s Day facts:
· $1.6 billion dollars -- The amount people will spend on candy.
· $1.9 billion dollars -- The amount people will spend on flowers.
· 40.7% -- The percentage of people who willuse their Smartphone to purchase Valentine's gifts.
· 151 million -- The approximate number of cards that are exchanged on Valentine's Day.
Whatever you may do this year, if you purchase an expensive item for that special person, make sure you get it insured. Most homeowners or renters insurance policies restrict coverage for items like jewelry to $1,000 dollars. In addition, most policies cover named perils for fire and theft, etc.; however, they may exclude coverage for the ring that gets flushed down the toilet; that is unless the expensive item is scheduled on your policy. To cover such circumstances that the insurance industry has dubbed “mysterious disappearance”, you will need a valuable articles personal property endorsement on your homeowners or renters policy.
Our homeowners and renters insurance can provide many benefits including:
· Additional Living Expense -This coverage pays for the extra, above normal costs of expenses such as food and lodging incurred while the policyholder’s home is being repaired.
· Extended Replacement Cost - Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.
· Personal Liability Protection- Pays for bodily injury or property damage caused to others as a result of a covered incident.
· Identity Theft Protection - Pays for expenses you incur as a result of criminal identity theft.
Call us today. We can provide you will the right combination of coverage, and price, followed up with outstanding service. Enjoy the day!
As the outdoor temperature gradually drops, animal activity and deer-vehicle accidents increase. Every year across the country, deer and other animals cause millions of dollars in vehicle damage as well as thousands of injuries and hundreds of fatalities. Whether you are taking your family on a trip through the woods or just traveling on business, the following safety tips are intended to save your life and prevent accidents.
Actions to Consider
1. Heed the warning signs. Posted warnings of deer and animal crossing are there for a reason.
2. Always drive at a safe speed.
3. Many animals move around at dusk and early morning.
4. Observe your surroundings. Actively scan the sides of the roads as you drive for any signs of wildlife.
5. September through January is a time when deer and elk are particularly active.
6. Deer and elk are herd animals, so if you see one, there may be more.
7. Don’t rely on vehicle-mounted whistles or reflectors to keep deer away from your vehicle. Studies show they are not effective.
8. Notify the local law enforcement agency if you have an accident with an animal.
9. Contact the local emergency services if anyone is injured.
10. If you have comprehensive coverage, deer accidents are covered. However, if you swerve to avoid hitting the deer and hit another vehicle, that would be considered collision coverage, and is many times more expensive for your insurer and you.
We hope you never have to worry about hitting a deer or other animal. Please slow down and be safe. Taking simple precautions can be the difference between having an accident with a deer, and almost having an accident with a deer. Remember to call us for a free auto and home insurance review.
According to the Insurance Institute for Highway Safety, teenagers are four times more likely to get into an auto accident than older drivers. Simply put, experience on the road makes a difference. Teenagers lack experience and are often overconfident when driving. However, students enrolled in a driver’s education course can gain the experience and respect for the road that can make them safer drivers. We came up with five benefits and advantages for your teen to been involved in driver’s education.
Provides teens with better understanding of traffic rules and laws. Teens will learn the basic rules of the road from both class time teaching and actual road driving experience. In a driver’s education course situation, your teen will be required to demonstrate their knowledge and driving skill prior to taking the driving test.
Some states require it. Some states now require new and/or teen drivers to take part in a driver’s education course before a driving permit or license can be issued.
Your Teen will have more confidence. Having more time behind the wheel combined with classroom training makes teens more confident about their abilities as a driver. Driver’s education also helps teens understand safety guidelines as well as defensive driving.
Save money with lower premiums. Teen drivers with documented drivers training certificates do have lower premiums.
Safety tips from experienced drivers. Having a trained professional educate teens on driver safety is invaluable. Trainers are kept up to date on the newest regulations and driver’s safety tips.
Driver’s education courses continue to be the best way for new drivers to ease into the responsibility of becoming a motorist. Our agency offers competitive rates on all types of auto insurance, call us today!
Black Friday is over and that means we are in the middle of the Holiday Season. During the next 30 days, we will all be busy shopping, eating out and traveling. We can help make sure all your new gifts are properly insured, call us today. This is especially true if you have purchased jewelry, guns or art. It is best to call us to make sure it is properly covered under your homeowner’s insurance policy
Please keep these safety tips in mind, so that you can enjoy the season without incident: Shopping Safety Tips
· Always be aware of your surroundings.
· Put your shopping bags in your trunk.
· NEVER leave car doors unlocked or windows open.
· ALWAYS park in lighted areas. Do NOT park in remote areas.
· Shop with a friend.
· Keep receipts in your wallet or purse.
· Avoid carrying large amounts of cash.
· As you return to your car, make sure to keep your car key in your hand.
· If you make expensive purchases like jewelry or guns, call our office as we may need to add these to your policy. Christmas Tree Safety (provided by the NFPA)
· Make sure the tree is at least four feet away from any heat source, like fireplaces, radiators, candles, heat vents or lights.
· Make sure the tree is not blocking any exit or door.
· Add water to the tree stand daily.
· Never use lit candles to decorate the tree.
· Only used approved lights.
· Connect no more than three strands of mini string sets and a maximum of 50 bulbs for screw-in bulbs
· Replace any string of lights with worn or broken cords or loose bulb connections. Home Safety Tips
If you are planning to vacation during the holiday, here are few ideas to consider:
· Get a security system.
· Trim landscaping that is too close to your house.
· Don’t advertise your vacation on social media.
· Cancel mail and other deliveries.
· Leave lights on when gone.
· Have a neighbor check on your home.
· Always lock your garden sheds and garages.
· Use a variable light timer to activate lights inside your home.
· Lock all doors and windows.
· If you gone, arrange for your lawn to be mowed.
· Have adequate exterior lighting