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We've all seen the commercials "15 minutes can save you 15%" or "We can save you $500". The problem with these commercials is that they are not telling you whether the coverage matches what you had on your prior policy. We can save you a lot of money too by cutting coverages, but if you have a claim and don't have the correct coverage or don't have enough coverage, how is that a value to you? And yes, you might save money by switching to the lizard, but when you have a problem with your bill or need to file a claim, you have to call a 1-800 number and who knows who you'll get and you'll never get the same person twice. With a local agent like us, we know your name, our kids go to school and play ball with your kids, and we CARE if you have a loss. We see you at the grocery store and sit next to you at church. We're your neighbors and your friends. We're here for you when you have a baby, buy your first house, lose a loved one, all your major lfe events. We're YOUR agent, we work for YOU, we're not just someone with a head set sitting in a call center watching the clock to go home at the end of our shift. We've chosen this as our career and life's work, because we love serving and taking care of people, and we're proud of what we do and love our job. What is more valuable, saving a few dollars or having the correct coverage and an agent that actually knows and cares about you?
Friday, July 22, 2011
Saturday, July 24, 2010
I saw a story on the evening news about Homeowner's insurance underwriting, let's talk about what happens when you apply for a policy...
I saw a story yesterday on the evening news, and I would like to explain what happened in this case from an insurance agent's prespective, because the story was sort of one sided.
The gist of the story: a lady in the story had called an agency and gotten quotes for home and auto insurance, and when she was given the quotes she was going to save over $700 per year over what she was currently paying. She accepted the proposals and agreed to switch her insurance and applied for the new coverage. She canceled her current policies with the first company before her new policies were issued. Shortly after applying for the new coverage, she recieved notification from the new insurance company that her home did not meet their underwriting guidelines, that there were 2 maintenance issues she needed to address or the policy was going to be cancelled. The company gave her 60 days to remedy the situation. The problems they found: the paint on her house was peeling and she had a huge tree limb hanging over her roof. She got very upset, and the story says she worried about it for a while, then asked her mother what to do, and her mother told her to call the TV station. The reporter from the TV station got involved and called the insurance company for the insured. The insurance company agreed to give her until her policy renews next year to fix these 2 issues. (Most likely what they would have done anyway had the insured called her agent or the insurance company herself instead of calling the TV news!)
First of all, I need to say I think these stories the news programs where people call in with a problem with a company or contractor do a great service because the reporters can stand up for "the little guy" that has no voice and needs help against big companies. And most of the time I applaud these stories because they really help people that have not been able to fix the problem themselves. But in this particular story I saw yesterday I feel like viewers only saw one side, that of the homeowner, I feel the homeowner should have asked her agent to help her instead of calling the TV news, and if the viewers could have heard the reasons WHY this insurance company took this underwriting action, the story may have made a lot more sense (but of course wouldn't have made such a good news story!). The reporter did say she called the insurance company for comment on the matter but they declined to comment. This is because of privacy regulations agents and insurance companies must abide by, we are not allowed to discuss a person's private info, so the perspective of the insurance agent or company was not represented in the story. So I am going to try to explain how I see this particular issue from an underwriting perspective...
Let me also say upfront I represent many different insurance companies but the company that was mentioned in this story is NOT one of the companies I represent. Most all companies that sell homeowners insurance have very similar underwriting guidelines.
Here is what happens when you apply for homeowners insurance:
You call the agency and ask for a quote, which the agent works up from one of several sources of info, including: 1. what you TELL them about your home, 2. your current homeowner's insurance declarations page 3. the public info avaliable online about your home from the property records in county you live in. NONE of these sources tell the agent about your housekeeping habits or what your house or yard looks like. The agent works up the quote from the information available, and if you like the price and agree to purchase the policy, at that point the application process begins.
Some companies require your agent to personally inspect the property and obtain photos of the front, back, the roof and both sides of your house, and the agent must submit these photos along with the signed application, and the agent is also contractually obligated to make remarks on the application addressed to the underwriter if they see any possible issues with the home.
Some insurance companies send out their own inspectors who are employees of the insurance company to get the photos and do a drive by inspection, this occurs after the agent has already submitted the signed application. In this case, the agent writing the policy will not personally go to see the property.
As an Independent Agent I represent different companies that do the inspection both ways. I have no idea from this story whether an agent or inspector did the inspection and I'm not familiar with this particular company's underwriting methods so I don't know how the inspection was done in this example.
At this point the insurance company's underwriter gets the info from the application and inspection, only then is the policy is issued and mailed to the insured. If there is a problem found, a letter goes out telling the insured what issues need to be addressed before the policy can be issued, or as in the case of this particular story coverage was bound and they issued the policy with the condition that they were giving her 60 days to correct the issues. If there are issues that are too severe the company can inform the insured they are going to rescind (take back) coverage, cancel or not issue the coverage all together.
The reason for the inspection: the insurance companies want to make sure the property they are insuring doesn't ALREADY have damage, or other issues that could potentially cause a claim, and they are looking for good housekeeping habits and evidence the homeowner is taking good care of the property to prevent problems. Some red flags showing poor maintenance habits: peeling paint, bushes and trees needing trimming and weeds in the yard and around the house, trash in the yard, sheds or garages falling apart in the yard, old wrecked or rusty cars with no tags in the yard, old furniture or applicances on the porch, holes in the siding, missing or peeling shingles, porches without hand rails, broken or cracked windows, I could go on and on but these are all things I've had underwriters ask the insured to fix. These issues are a huge red flag to the underwriter because if there are housekeeping or maintenance issues right there in the open on the outside of the house that they can see, what other issues could there be that are not being taken care of that the inspector CAN'T see inside or under the home?
The VAST majority of the properties I inspect have NO issues whatsoever. There are very few times I go to a home and find issues, but in the cases where there have been issues, I've never had a problem with an underwriter not working with me to help my insured remedy the issues.
In this story, the lady has peeling paint and trees hanging over her roof. The reason these issues were of concern for the underwriter: peeling paint can cause wood to rot, and a tree hanging over a roof is nothing but a claim waiting to happen - all it takes is one stiff wind and that roof has a big hole in it.
In this story this particular insurance company's response to the insured was a standard response - they sent a letter giving her 60 days to fix the problems. I've seen many of these letters in my many years in the industry. The insurance company is not OBLIGATED to insure any risk, they did not HAVE to offer her any time to fix the issues at all. And once the reporter called the insurance company, they gave her more time. I wonder if the insured tried to call the company herself? The story doesn't say anything to indicate she did which makes me think instead of calling her agent or the company to ask for more time to make the repairs she just called the TV station.
Lessons to be learned from this story:
1. Home maintenance is VERY important not just because of possible insurability issues but because this is your HOME, likely your biggest investment, and you must take care of issues before they get out of hand. If you have unrepaired issues or housekeeping issues it could end up costing you a lot more in the long run due to bigger problems stemming from what was not fixed, not to mention your insurance company can and has the right to cancel you for not taking care of your home.
2. Keep an open dialog with your Insurance Agent, we are here to HELP people and sometimes all it takes is a phone call to get a situation remedied! If you don't call your agent and ask for help, how is your agent going to know you have a problem? In this particular example the lady in the story's main issue was how much it was going to cost to get the repairs done. Call your agent, our JOB is to intercede between you and the insurance company and we will do whatever we can to help you!
3. DO NOT cancel your current Homeowner's policy until you are SURE your new policy has been issued without any problems or stipulations, especially if you KNOW you have anything that might cause the underwriter to ask you to make repairs or not issue the policy! In this particular story, the homeowner admitted she knew her house needed to be painted but she had not done so. In this particular case, since this homeowner had already cancelled her old policy, if the new company had declined to insure the house and she tried to go back to her old company,that company would have likely also reunderwritten the risk and would have asked her to make the same repairs.
The gist of the story: a lady in the story had called an agency and gotten quotes for home and auto insurance, and when she was given the quotes she was going to save over $700 per year over what she was currently paying. She accepted the proposals and agreed to switch her insurance and applied for the new coverage. She canceled her current policies with the first company before her new policies were issued. Shortly after applying for the new coverage, she recieved notification from the new insurance company that her home did not meet their underwriting guidelines, that there were 2 maintenance issues she needed to address or the policy was going to be cancelled. The company gave her 60 days to remedy the situation. The problems they found: the paint on her house was peeling and she had a huge tree limb hanging over her roof. She got very upset, and the story says she worried about it for a while, then asked her mother what to do, and her mother told her to call the TV station. The reporter from the TV station got involved and called the insurance company for the insured. The insurance company agreed to give her until her policy renews next year to fix these 2 issues. (Most likely what they would have done anyway had the insured called her agent or the insurance company herself instead of calling the TV news!)
First of all, I need to say I think these stories the news programs where people call in with a problem with a company or contractor do a great service because the reporters can stand up for "the little guy" that has no voice and needs help against big companies. And most of the time I applaud these stories because they really help people that have not been able to fix the problem themselves. But in this particular story I saw yesterday I feel like viewers only saw one side, that of the homeowner, I feel the homeowner should have asked her agent to help her instead of calling the TV news, and if the viewers could have heard the reasons WHY this insurance company took this underwriting action, the story may have made a lot more sense (but of course wouldn't have made such a good news story!). The reporter did say she called the insurance company for comment on the matter but they declined to comment. This is because of privacy regulations agents and insurance companies must abide by, we are not allowed to discuss a person's private info, so the perspective of the insurance agent or company was not represented in the story. So I am going to try to explain how I see this particular issue from an underwriting perspective...
Let me also say upfront I represent many different insurance companies but the company that was mentioned in this story is NOT one of the companies I represent. Most all companies that sell homeowners insurance have very similar underwriting guidelines.
Here is what happens when you apply for homeowners insurance:
You call the agency and ask for a quote, which the agent works up from one of several sources of info, including: 1. what you TELL them about your home, 2. your current homeowner's insurance declarations page 3. the public info avaliable online about your home from the property records in county you live in. NONE of these sources tell the agent about your housekeeping habits or what your house or yard looks like. The agent works up the quote from the information available, and if you like the price and agree to purchase the policy, at that point the application process begins.
Some companies require your agent to personally inspect the property and obtain photos of the front, back, the roof and both sides of your house, and the agent must submit these photos along with the signed application, and the agent is also contractually obligated to make remarks on the application addressed to the underwriter if they see any possible issues with the home.
Some insurance companies send out their own inspectors who are employees of the insurance company to get the photos and do a drive by inspection, this occurs after the agent has already submitted the signed application. In this case, the agent writing the policy will not personally go to see the property.
As an Independent Agent I represent different companies that do the inspection both ways. I have no idea from this story whether an agent or inspector did the inspection and I'm not familiar with this particular company's underwriting methods so I don't know how the inspection was done in this example.
At this point the insurance company's underwriter gets the info from the application and inspection, only then is the policy is issued and mailed to the insured. If there is a problem found, a letter goes out telling the insured what issues need to be addressed before the policy can be issued, or as in the case of this particular story coverage was bound and they issued the policy with the condition that they were giving her 60 days to correct the issues. If there are issues that are too severe the company can inform the insured they are going to rescind (take back) coverage, cancel or not issue the coverage all together.
The reason for the inspection: the insurance companies want to make sure the property they are insuring doesn't ALREADY have damage, or other issues that could potentially cause a claim, and they are looking for good housekeeping habits and evidence the homeowner is taking good care of the property to prevent problems. Some red flags showing poor maintenance habits: peeling paint, bushes and trees needing trimming and weeds in the yard and around the house, trash in the yard, sheds or garages falling apart in the yard, old wrecked or rusty cars with no tags in the yard, old furniture or applicances on the porch, holes in the siding, missing or peeling shingles, porches without hand rails, broken or cracked windows, I could go on and on but these are all things I've had underwriters ask the insured to fix. These issues are a huge red flag to the underwriter because if there are housekeeping or maintenance issues right there in the open on the outside of the house that they can see, what other issues could there be that are not being taken care of that the inspector CAN'T see inside or under the home?
The VAST majority of the properties I inspect have NO issues whatsoever. There are very few times I go to a home and find issues, but in the cases where there have been issues, I've never had a problem with an underwriter not working with me to help my insured remedy the issues.
In this story, the lady has peeling paint and trees hanging over her roof. The reason these issues were of concern for the underwriter: peeling paint can cause wood to rot, and a tree hanging over a roof is nothing but a claim waiting to happen - all it takes is one stiff wind and that roof has a big hole in it.
In this story this particular insurance company's response to the insured was a standard response - they sent a letter giving her 60 days to fix the problems. I've seen many of these letters in my many years in the industry. The insurance company is not OBLIGATED to insure any risk, they did not HAVE to offer her any time to fix the issues at all. And once the reporter called the insurance company, they gave her more time. I wonder if the insured tried to call the company herself? The story doesn't say anything to indicate she did which makes me think instead of calling her agent or the company to ask for more time to make the repairs she just called the TV station.
Lessons to be learned from this story:
1. Home maintenance is VERY important not just because of possible insurability issues but because this is your HOME, likely your biggest investment, and you must take care of issues before they get out of hand. If you have unrepaired issues or housekeeping issues it could end up costing you a lot more in the long run due to bigger problems stemming from what was not fixed, not to mention your insurance company can and has the right to cancel you for not taking care of your home.
2. Keep an open dialog with your Insurance Agent, we are here to HELP people and sometimes all it takes is a phone call to get a situation remedied! If you don't call your agent and ask for help, how is your agent going to know you have a problem? In this particular example the lady in the story's main issue was how much it was going to cost to get the repairs done. Call your agent, our JOB is to intercede between you and the insurance company and we will do whatever we can to help you!
3. DO NOT cancel your current Homeowner's policy until you are SURE your new policy has been issued without any problems or stipulations, especially if you KNOW you have anything that might cause the underwriter to ask you to make repairs or not issue the policy! In this particular story, the homeowner admitted she knew her house needed to be painted but she had not done so. In this particular case, since this homeowner had already cancelled her old policy, if the new company had declined to insure the house and she tried to go back to her old company,that company would have likely also reunderwritten the risk and would have asked her to make the same repairs.
Monday, July 12, 2010
Auto Insurance Liability - do you know what you have?
Often when a prospect calls for a new auto insurance quote, when I ask them what the limits are on their current liablity policy, they often don't understand what I'm talking about. Either no one has ever explained to them what these numbers mean or they don't remember. I do my best to educate everyone I talk to about these limits, so they will understand what they are and how important it is to make sure you have enough liability coverage to protect you.
Here is an example: In NC, the Department of Motor Vehicles requires every driver to have liability insurance. The limits of liability required in our state is $30,000/60,000/25,000. Looks like a complicated math formula, doesn't it? It's really not that complicated but a lot of people either have never had anyone explain it to them or they've forgotten. So as your Agent that's where I step in to help you understand what those numbers mean so you can make a good choice on the amount of coverage you need.
The first number in our example, $30,000, stands for the bodily injury portion of your liablity. This coverage is for the person in the OTHER vehicle if you cause an accident and that person gets hurt. The first number is how much your policy will pay PER PERSON.
The second number, $60,000, is the bodily injury PER ACCIDENT TOTAL your policy will pay.
So for example, if you cause a bad accident, and hurt 3 people, one person has medical bills of $50,000, the second person $20,000, and the third person $10,000, your policy will pay the first person $30,000 (the limit of the PER PERSON number), the second person the whole $20,000, and the third person the whole $10,000, which adds up to the PER ACCIDENT TOTAL of $60,000. Do you see a problem here? That's right - person one had $50,000 in bills but your policy only will pay them up to the $30,000 limit. What happens to the other $20,000? You caused the accident, you are liable for their injury, so guess what, you are responsible to pay their other $20,000. Your insurance company will try to settle within your policy limits but if they cant, they will hire an attorney to defend you, and it could end up going to court before a jury. Often the jury will award the injured person even more than what their medical bills were for pain and suffering, especially if they have a permanent injury. They can place a judgement against you for the difference in what your policy paid and the amount the injured person was awarded. They can put a lien on your home, make you sell property you own, even seize checking and savings accounts. (In other states they can even garnish your wages until the judgement is paid but they can't do that in NC). The judgement stays on you for 10 years and at that time it can be renewed. This is NOT a good situation to be in.
The third number in our example, $25,000, is for property damage. This is the limit your policy will pay to the other party for their vehicle or personal property. What if, for example, you cause an accident in which you rear end a vehicle, and it pushes that vehicle into a building. What if that vehicle was a 2010 fancy something sports car worth $40,000. What if the damage to the building was another $10,000. Your $25,000 limit won't cover the $50,000 damage you caused, so once again you're faced with being sued, a possible judgement, lien, siezure of your property, etc.
PLEASE take the time to review your insurance policy to make sure you have high enough limits on your liabilty to cover your assets and protect your future! You can also purchase a policy called an Umbrella policy that picks up where your auto insurance leaves off. Call us today if you have any questions about your coverage or would like a free policy review!
Here is an example: In NC, the Department of Motor Vehicles requires every driver to have liability insurance. The limits of liability required in our state is $30,000/60,000/25,000. Looks like a complicated math formula, doesn't it? It's really not that complicated but a lot of people either have never had anyone explain it to them or they've forgotten. So as your Agent that's where I step in to help you understand what those numbers mean so you can make a good choice on the amount of coverage you need.
The first number in our example, $30,000, stands for the bodily injury portion of your liablity. This coverage is for the person in the OTHER vehicle if you cause an accident and that person gets hurt. The first number is how much your policy will pay PER PERSON.
The second number, $60,000, is the bodily injury PER ACCIDENT TOTAL your policy will pay.
So for example, if you cause a bad accident, and hurt 3 people, one person has medical bills of $50,000, the second person $20,000, and the third person $10,000, your policy will pay the first person $30,000 (the limit of the PER PERSON number), the second person the whole $20,000, and the third person the whole $10,000, which adds up to the PER ACCIDENT TOTAL of $60,000. Do you see a problem here? That's right - person one had $50,000 in bills but your policy only will pay them up to the $30,000 limit. What happens to the other $20,000? You caused the accident, you are liable for their injury, so guess what, you are responsible to pay their other $20,000. Your insurance company will try to settle within your policy limits but if they cant, they will hire an attorney to defend you, and it could end up going to court before a jury. Often the jury will award the injured person even more than what their medical bills were for pain and suffering, especially if they have a permanent injury. They can place a judgement against you for the difference in what your policy paid and the amount the injured person was awarded. They can put a lien on your home, make you sell property you own, even seize checking and savings accounts. (In other states they can even garnish your wages until the judgement is paid but they can't do that in NC). The judgement stays on you for 10 years and at that time it can be renewed. This is NOT a good situation to be in.
The third number in our example, $25,000, is for property damage. This is the limit your policy will pay to the other party for their vehicle or personal property. What if, for example, you cause an accident in which you rear end a vehicle, and it pushes that vehicle into a building. What if that vehicle was a 2010 fancy something sports car worth $40,000. What if the damage to the building was another $10,000. Your $25,000 limit won't cover the $50,000 damage you caused, so once again you're faced with being sued, a possible judgement, lien, siezure of your property, etc.
PLEASE take the time to review your insurance policy to make sure you have high enough limits on your liabilty to cover your assets and protect your future! You can also purchase a policy called an Umbrella policy that picks up where your auto insurance leaves off. Call us today if you have any questions about your coverage or would like a free policy review!
Monday, May 24, 2010
This week is Hurricane Preparedness Week!
Hurricane season runs from June 1 thru Nov 30. Please take some time this week to get your emergency supplies together, don't wait until everyone is rushing to the store to "buy the bread" and everything is sold out!
Here is a link to the National Hurricane Center's checklist for what should go into your Emergency Supply Kit:
http://http://www.nhc.noaa.gov/HAW2/english/prepare/supply_kit.shtml
Here is a link to the National Hurricane Center's checklist for what should go into your Emergency Supply Kit:
http://http://www.nhc.noaa.gov/HAW2/english/prepare/supply_kit.shtml
Monday, May 10, 2010
Summer is around the corner!
It's only a couple of weeks until school gets out, and it will be time for summer. Back yard barbeques, going to the beach, boating, riding motorcycles, camping, the kids playing baseball - these are all things that will occupy our summer hours. Now is the time to make sure you have all the insurance coverage you need so you can relax and enjoy these activites. Here's a checklist of some things to consider that you may or may not have already thought about:
1. If your kids play sports, have you thougth about an accident insurance policy? These policies are extremely inexpensive and they pay a benefit directly to you if you take your child to the doctor, dentist or emergency room within 72 hours of an accident - and they pay an additional benefit if the child has to have stitches, a broken bone set, or surgury. This extra money can help cover your health insurance deductible and copay.
2. Boat, RV, ATV and motorcycle insurance - did you cancel your policy at the end of last season when you were putting your "toys" away for the winter? Or would you like for us to take a look at your current policy to see if you have adequate coverage or if you are getting the best price? Also make sure your boat, RV or motorcycle policy has enough coverage for your personal belongings, fishing equipment, or extra equipment you've added to your motorcycle, this may be something you've not reviewed in a while. Also on your RV policy, check to make sure you have adequate coverage for your awning, a lot of times this is a seperate coverage and a sudden gust of wind can destroy it in a second, and they are very expensive.
3. June 1 is the beginning of hurricaine season - have you reviewed your homeowner's insurance lately to make sure you still have enough coverage to replace your home in case of a total loss? What about flood insurance? If you don't have it or you were told you are "not in a flood zone" you may still want to consider purchasing this valuable coverage - there is no such thing as "not in a flood zone" - as Nashville showed us all, torrential rain can cause a flood anywhere, at any time!
4. What about your valuables? Look at your homeowner's policy and make sure you have enough coverage to replace your jewelry, guns, and collectibles in case of a break in while you're on vacation. With vacations coming up, potential burgulars are looking for signs of homeowner's away from home. Here are some tips you can use to make it look like you're at home: buy an inexpensive timer at the hardware store to plug a lamp into in your living room and maybe a bedroom or 2 and time it to come on around dusk while you are gone so from the outside it looks like someone is home. Also, if you have more than 1 vehicle, leave one of them at home and ask a neighbor or family member to come over and move it around in your driveway once a day so if someone is watching your home it looks like someone's been there. Also ask that person to move your blinds up and down at different postitions at least once a day, and keep your mail and newspaper picked up and put inside the house in a location someone can't look into a window and see the pile of mail. Another tip, leave a TV or radio on or on a timer so when the potential thief comes up to the house it sounds like someone's there.
5. Install an alarm system: it can save you 10% to 20% on your homeowner's insurance premium and it doesn't cost much - our system is $36 per month, and it may prevent someone from breaking in. Most will also alert the fire department if a fire breaks out, this could save your home if you are away and don't know the fire has started.
6. If you have a backyard pool, make sure the filters have some kind of screen over them to keep small children from putting their hands or feet in them and getting stuck or hurt, and make sure children of your guests as well as your own children are always properly supervised and have on age appropriate life jackets or floaties depending on their swimming skills. Don't let children dive into your pool unless it is deep enough per the manufacturer and has a properly installed diving board. Also make sure your pool is property enclosed with a fence and it is locked at all times so neighborhood children won't be tempted to take a dip without permission.
7. If you're family is vacationing by car this year, pull out your auto policy and make sure you have towing and emergency road service on your policy. Better yet, consider buying a seperate Motorclub policy, it has much broader coverage than what comes with the standard towing coverage on your auto policy. We have a great policy that includes trip interruption coverage, towing, they'll change a flat tire, deliver gas to you, all for only $48 for 6 months coverage. A broken down vehicle could ruin your vacation but a Motorclub policy will have you back on the road to enjoy your vacation.
These are just a few tips to help you enjoy your summer and keep an unexpected problem from ruining your vacation plans. We're here to help with any advice or questions you may have, give us a call!
1. If your kids play sports, have you thougth about an accident insurance policy? These policies are extremely inexpensive and they pay a benefit directly to you if you take your child to the doctor, dentist or emergency room within 72 hours of an accident - and they pay an additional benefit if the child has to have stitches, a broken bone set, or surgury. This extra money can help cover your health insurance deductible and copay.
2. Boat, RV, ATV and motorcycle insurance - did you cancel your policy at the end of last season when you were putting your "toys" away for the winter? Or would you like for us to take a look at your current policy to see if you have adequate coverage or if you are getting the best price? Also make sure your boat, RV or motorcycle policy has enough coverage for your personal belongings, fishing equipment, or extra equipment you've added to your motorcycle, this may be something you've not reviewed in a while. Also on your RV policy, check to make sure you have adequate coverage for your awning, a lot of times this is a seperate coverage and a sudden gust of wind can destroy it in a second, and they are very expensive.
3. June 1 is the beginning of hurricaine season - have you reviewed your homeowner's insurance lately to make sure you still have enough coverage to replace your home in case of a total loss? What about flood insurance? If you don't have it or you were told you are "not in a flood zone" you may still want to consider purchasing this valuable coverage - there is no such thing as "not in a flood zone" - as Nashville showed us all, torrential rain can cause a flood anywhere, at any time!
4. What about your valuables? Look at your homeowner's policy and make sure you have enough coverage to replace your jewelry, guns, and collectibles in case of a break in while you're on vacation. With vacations coming up, potential burgulars are looking for signs of homeowner's away from home. Here are some tips you can use to make it look like you're at home: buy an inexpensive timer at the hardware store to plug a lamp into in your living room and maybe a bedroom or 2 and time it to come on around dusk while you are gone so from the outside it looks like someone is home. Also, if you have more than 1 vehicle, leave one of them at home and ask a neighbor or family member to come over and move it around in your driveway once a day so if someone is watching your home it looks like someone's been there. Also ask that person to move your blinds up and down at different postitions at least once a day, and keep your mail and newspaper picked up and put inside the house in a location someone can't look into a window and see the pile of mail. Another tip, leave a TV or radio on or on a timer so when the potential thief comes up to the house it sounds like someone's there.
5. Install an alarm system: it can save you 10% to 20% on your homeowner's insurance premium and it doesn't cost much - our system is $36 per month, and it may prevent someone from breaking in. Most will also alert the fire department if a fire breaks out, this could save your home if you are away and don't know the fire has started.
6. If you have a backyard pool, make sure the filters have some kind of screen over them to keep small children from putting their hands or feet in them and getting stuck or hurt, and make sure children of your guests as well as your own children are always properly supervised and have on age appropriate life jackets or floaties depending on their swimming skills. Don't let children dive into your pool unless it is deep enough per the manufacturer and has a properly installed diving board. Also make sure your pool is property enclosed with a fence and it is locked at all times so neighborhood children won't be tempted to take a dip without permission.
7. If you're family is vacationing by car this year, pull out your auto policy and make sure you have towing and emergency road service on your policy. Better yet, consider buying a seperate Motorclub policy, it has much broader coverage than what comes with the standard towing coverage on your auto policy. We have a great policy that includes trip interruption coverage, towing, they'll change a flat tire, deliver gas to you, all for only $48 for 6 months coverage. A broken down vehicle could ruin your vacation but a Motorclub policy will have you back on the road to enjoy your vacation.
These are just a few tips to help you enjoy your summer and keep an unexpected problem from ruining your vacation plans. We're here to help with any advice or questions you may have, give us a call!
Thursday, December 17, 2009
Tax time is just around the corner!
This year we've hired a tax preparer to work in our agency preparing taxes! We're really excited to expand our products that we offer. If you need a quick refund, come see us, we will have all the same options as the tax franchises. You can wait while your taxes are being done, or if you don't want to wait, bring us all your info and we'll prepare your taxes and call you when they're ready.
Tuesday, November 3, 2009
Oaktober Fest is over, and it was a great day despite the rain! Everything went off pretty smoothly, and I think everyone that came out had a good time! The music and the food were FABULOUS this year! And a customer of our agency won the Chamber 50/50 drawing, $424! Congratulations Blake!
Now we're looking ahead and gearing up for Tax season! This will be the first year I've done taxes for the public, I've been doing them for friends and family for years. I've added a couple of great ladies to our team so when tax time comes, we'll be able to get the tax returns done quickly. I'm really excited about it! More info to come on that later.
We're also really excited about the fact that Auto insurance rates have been decreased for the entire state! Sunday was the day the rates went down and I've really seen a difference even just yesterday - it's a GREAT time to save some money - you can't get rid of your auto insurance bill, but you sure can lower it!
Now we're looking ahead and gearing up for Tax season! This will be the first year I've done taxes for the public, I've been doing them for friends and family for years. I've added a couple of great ladies to our team so when tax time comes, we'll be able to get the tax returns done quickly. I'm really excited about it! More info to come on that later.
We're also really excited about the fact that Auto insurance rates have been decreased for the entire state! Sunday was the day the rates went down and I've really seen a difference even just yesterday - it's a GREAT time to save some money - you can't get rid of your auto insurance bill, but you sure can lower it!
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