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Things To Think About When Your Home Insurance Is Up For Renewal

Posted by on Oct 7, 2016 in Uncategorized | Comments Off on Things To Think About When Your Home Insurance Is Up For Renewal

When many people receive their home insurance renewal information in the mail, they simply call their local agent, state that they wish to renew the policy and then sign the necessary paperwork. While you might occasionally be tempted to take this approach, it’s in your best interest in put a little more thought into the renewal process. You’re certainly welcome to discuss the various rate options with your agent, but it’s also a good idea to think about any changes that you’ve made in the years since you last signed insurance paperwork — and how they might impact the current worth of your home. Here are some things to think about and discuss with your agent at renewal time. Recent Renovations To Your Home If you’ve made any significant renovations to your home in the years since you last renewed your home insurance, you’ll want to make sure to bring up this work to your insurance agent before you sign your renewal paperwork. Renovations can change the overall value of your home, and you’ll want to make sure that this is reflected in the new terms of your insurance. For example, a fully renovated bathroom or kitchen can potentially add thousands of dollars of value to your home. Make sure to keep copies of any invoices from the work so that you can share this information with your agent. Major Purchases It’s also important to think about any major purchases that you’ve made since the last time you renewed your home insurance policy. Major purchases that dramatically affect the value of the contents of your home should always be written into your policy. For example, if you’ve bought an expensive piece of artwork, a pricey piano, or anything else that is expensive, it’s best to talk about this purchase with your agent. Even if you’re not sure if something is significant enough to affect your policy, it’s always worth bringing up. Start Of A Home Business Although you should speak to your insurance agent the minute you start a home-based business, many people overlook the need to do so. If you’ve started a business since your last renewal, make sure to bring it up in your discussion with your agent. You’ll need to add some form of business insurance to cover yourself, and you might as well get this policy drafted up at the same time that you renew your current home insurance...

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Reducing The Risks Of Fire During The Holidays

Posted by on Sep 23, 2016 in Uncategorized | Comments Off on Reducing The Risks Of Fire During The Holidays

Residential fires spike during the holidays, so you need to be aware of the risks. Although your homeowners insurance covers negligent fires, it’s still in your best interest to avoid fires at all cost. Here are three common causes of holiday fires, and how to reduce their risk. Cooking The holidays are the times of the year when most people bring out their cooking skills. Unfortunately, they are also the times when cooking fires flare up. Use these tips to reduce the risk of fire while preparing a sumptuous meal for your family: Wear appropriate clothing. Loose clothing can easily get caught in the flame and start a fire—get into your holiday attire after you are done with the cooking. Drink after cooking. Alcohol impairs balance and judgment and may lead to serious mishaps in the kitchen—unattended cooking is one of the leading causes of cooking fires. Don’t leave your cooking unattended. If you must step away from the kitchen, turn down the heat or remove the pan from the cooker. Clean your grills, ovens, and hob. All those dripping fats, oils, and other debris can easily ignite. Decorations You know you are entering a holiday season when people start hanging lights in their homes, buying Christmas trees, and investing in special candles. These decorations also count among the top causes of holiday fires; use these tips to minimize their risks: Place all candles on firm surfaces. Don’t place them in crowded places, and blow them out before you go to sleep. Use a freshly cut tree. Water it regularly (a dry one is likely to catch fire), and place it away from heat sources on a wide-base stand. Confirm that the decorative lights aren’t malfunctioning. Don’t use frayed wires, use outdoor cables for outdoor decorations, and use clips or hangers for outside cords instead of stapling or nailing them. Invest in flame retardant decorations. Discourage fires from starting in the first place. Fireworks Who doesn’t love a multicolored display of fireworks lighting up the sky? Unfortunately, the sticks that cause all those bright lights can also cause fires. These measures will help you to prevent such fires: Don’t allow the kids to handle the fireworks at any time. Don’t try to relight a firework after it fails the first time. Light one firework at a time. Douse the spent devices with plenty of water before discarding them. Obey all firework regulations put up by your local authority. Hopefully, the above tips will help you enjoy the holidays without burning down your house or injuring a guest. It doesn’t hurt to ensure your homeowner’s insurance is adequate because, despite your best precautions, you can’t be certain you will go through the holiday unscathed. For information about fire coverage just in case, talk to an agent at the Ronald H. Krupa Insurance...

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3 Different Types Of Auto Insurance Coverage You Should Consider

Posted by on Sep 1, 2016 in Uncategorized | Comments Off on 3 Different Types Of Auto Insurance Coverage You Should Consider

In most states, carrying auto insurance is a requirement. It is important that you carry insurance that will at least cover the cost of the other car if you were to get in an accident. However, when you purchase auto insurance, there are a couple different options of coverage that you can get. Many people wonder what these types of coverage mean and if they are the right choice. Here are some explanations about different types of coverage. 1. Comprehensive Coverage In most cases, comprehensive coverage is very important and should be included in the plan. This type of coverage will protect you if there is damage done to your car that wasn’t part of an accident. For example, if your windshield needs to be replaced, if your car is stolen, or if your car is vandalized and you lost personal property inside the car, you would access your comprehensive coverage to get restitution for these damages. If you go without this type of coverage, you will only get insurance coverage in the case of a collision. 2. Liability Coverage Personal injury lawsuits are very common. Even though you may carry collision coverage to help pay for the damage to the other car if you are in an accident, you may be sued in addition to the damage to the car for other damages in an car accident. For example, you may be responsible for their medical bills, loss of personal property, or even their pain and suffering from the accident. If you are sued and are found liable, you could be responsible for thousands of dollars in payments to the victim. With liability insurance, you have financial help in the case of a lawsuit so that everything from the lawsuit doesn’t come out of your personal pocketbook. 3. Medical Coverage In addition to your personal medical insurance, you can purchase medical coverage through your auto insurance. This will help to pay medical expenses from injuries caused in an automobile accident. This makes it so you can use both policies if needed so that your out-of-pocket will be very small, even if you have a lot of physical injuries that require medical treatment. Purchasing this type of coverage is not ideal for everyone. In some cases, it can be redundant and can cost you more money. But if your medical insurance has a high deductible, or only covers catastrophic injuries, purchasing insurance through your auto carrier may be a great idea. By understanding the different types of coverage you can decide what is best for you. Contact a company like Central Florida Insurance Agency of Town ‘N’ Country for more...

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4 Tips For Getting Low-Cost Auto Insurance

Posted by on Aug 19, 2016 in Uncategorized | Comments Off on 4 Tips For Getting Low-Cost Auto Insurance

One of the things you must have if you want to keep yourself and your vehicle protected in case of an accident is auto insurance. However, the cost to do so may be expensive, and it’s possible you’ll be interested in ways to lower it. The good news is there are many things you can do to reduce the cost of your coverage, and knowing what these things are may be helpful to you. Tip #1: Start a car pool Do you know others in your area that work where you do or in the same area? If so, it’s a great idea to start a car pool. This will help you avoid putting so many miles on your car and may reduce the cost of your insurance in the process. Insurance companies provide discounts to drivers that drive less because of the reduced risk of being involved in an accident. Tip #2: Combine coverage It’s likely you will need homeowner’s insurance, and taking the time to put these coverage needs with your auto coverage can save you money on both. You will be able to get a multiple policy discount, and this is an ideal and easy way to lower insurance costs. Tip #3: Pay your bills on time Maintaining a high credit rating is one of the most efficient ways for you to keep insurance costs down. You will be given a credit score which is based on how promptly you pay your bills. Be sure to meet the terms of any invoices you receive in the mail to keep this number as high as you can. Studies show that having a credit score of 700 or better is beneficial to all areas of your financial life. Tip #4: Drive an older car One of the best ways to pay less for insurance is by driving an older car. This can significantly reduce the amount of coverage you need and reduce your premiums in the process. Insurance companies will define the amount of your bill based on many factors, and the value of your car is one of these. You can work to keep your auto insurance within the right range with a bit of effort. Take the time to talk to your insurance agent, such as those found at Green Light Auto Insurance Specialists, for additional tips that will help you pay less on a monthly or annual basis for your...

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3 Ways To Reduce Homeowner’s Insurance

Posted by on Jul 30, 2016 in Uncategorized | Comments Off on 3 Ways To Reduce Homeowner’s Insurance

One of the proudest moments of your life may be when you purchased your home. This is a massive investment, and you will want to do all you can to keep it adequately covered it the unfortunate event of a disaster. The key to accomplishing this goal is keeping your home properly insured. However, the costs to do so may be high. It’s ideal to know effective ways that can keep your homeowners’ insurance costs down on a regular basis. Add a security system Taking additional precautions when it comes to keeping your home secure is ideal. You may want to add a new security system that can be effective at warding off potential robbers and reducing the possibility of a break-in at any time. Putting an updated security system in your home can increase your peace of mind while decreasing the costs to stay insured. In fact, studies indicate that having a monitored security system in your home may reduce your insurance bill as much as 15%-20%. Make improvements If you live in an older home that may not be as resistant to disaster as it should be, you should consider making some updates. For instance, replacing a worn out roof may help lower the costs of your home insurance. There are some ways to make your home a more secure place to live and some of these are listed below: 1.    Add storm shutters to your home to help protect your property from damaging winds that may occur. 2.    Put gutters on the exterior of your property to prevent water damage during some of the heaviest rains. 3.    Update your heating system from a wood stove to an HVAC unit to reduce the possibility of having a fire. Include your auto needs Taking the time to add other things that need insuring to your policy can allow you to qualify for a multiple policy discount. Don’t neglect to get your car insured with the same provider to decrease the cost of your homeowner’s coverage. You can offset the costs to keep your home properly insured by taking the right steps to do so. Working to make your home a safer place to reside is certain to be in your best interest and can decrease overall costs. Be sure to consult with your insurance agent to assist you in finding additional ways to lower a number of your coverage premiums today! Click the link for home insurance, or do an online...

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Reasons Single People Need Life Insurance

Posted by on Jul 19, 2016 in Uncategorized | Comments Off on Reasons Single People Need Life Insurance

You’re young, free and single. Surely you don’t need life insurance, do you? That’s where you’re wrong. Single people need life insurance, and here are four reasons why you should get it right now. Cover Your Funeral Expenses There are funeral costs after death. Do you really want your parents or another relative to foot the bill or hope they can raise enough from your estate? A life insurance policy would make sure you had enough to cover the costs, so nobody else has to. You can also create the funeral that you want, knowing that your life insurance would cover the costs. This can be a relief for single people. You Never Know About the Future You’re single now, but what about in the future? By getting your life insurance policy in place now, you can make changes to it over time. You can chance the beneficiary when you meet someone or have kids of your own. Even if you remain single, you will at least have the policy there for others. There’s nothing lost by getting one. You just don’t know what the future holds. If you don’t meet a partner, you may have a best friend that you want to support after your death. There may be another family member you have depended on for a long time that you want to give back to in the end. Cover Other Debts While you may be single, you may not necessarily be debt free. You may have a mortgage, car loan or other debts. These need to be cleared after death, and your life insurance policy will help to handle it all. You can organize a policy that will give a high enough death benefit to clear all debts, so your parents or non-immediate family don’t need to worry about them. The money will also cover your inheritance tax bill when you die. This is something that many people worry about when they get older. Give Money to Charity You may want to make sure money goes to a charity of your choice. This is something your life insurance policy can offer, by stating in your will where you want the money to go to in the end. You can always change your will if you meet someone and want to ensure some of the money protects them in the event of your death. Don’t focus on the current costs of your single life. You still need a life insurance policy. Contact an insurance agent for more information on getting a policy set up for...

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Did You Get An Expensive Gift For Mother’s Day? Make Sure It’s Fully Covered

Posted by on Jun 5, 2016 in Uncategorized | Comments Off on Did You Get An Expensive Gift For Mother’s Day? Make Sure It’s Fully Covered

If you’ve recently received an expensive gift for an event like Mother’s Day, it’s important to find out what kind of protection you can expect to get from your homeowner’s insurance policy. Once you know how much coverage your insurance policy provides, you may decide to get a special amendment to your policy that will extend your coverage, so you can rest assured that your possessions are truly protected. Some Valuable Items Aren’t Fully Protected Your homeowner’s insurance policy protects the majority of the items you own. However, not all items enjoy full coverage. Valuable items like jewelry, firearms, art, furs, musical instruments, expensive pieces of equipment, collections and expensive technologies aren’t often fully covered under a normal homeowner’s insurance policy. To get these items covered under your policy, you’ll need to schedule the items separately. A scheduled item is an item you own that has been written separately into your insurance policy. Scheduled items have different levels of coverage, often based on the cost of replacement. Scheduling an Item Requires Documentation In order to get your items scheduled, you’ll need to do the following: Confirm that the item isn’t already fully covered by your insurance policy. To do this, you can either check with your insurance policy or call your insurance agent. Gather the necessary material to get your item scheduled. Many insurance companies require proof of ownership, such as a receipt, and an appraisal to confirm the value of the item. Talk to your insurance agent to find out exactly what kind of paperwork your insurance company requires. Once an Item is Scheduled, Your Policy May Need Special Maintenance Some valuable items appreciate over time. To ensure that your items are fully covered, update your policy once a year. It helps to do this at the same time each year, because it can help you remember to get it done. There Are Many Benefits of Scheduling Your Valuables There are many reasons to schedule your valuables, including: Deductible. Often, scheduled items have no deductible, which means that the entire cost of the item is covered under the policy. Extended coverage. Scheduled items usually have special protections that normal items do not. For example, loss due to misplacement of an item may be covered under your policy. Check with your insurance agent to be sure. Peace of mind. You can rest easy knowing that your most valuable possessions are completely covered under your policy. For more information about how you can protect your recent Mother’s Day gift, contact your insurance agent...

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Recently Diagnosed With Diabetes? What Are Your Life Insurance Options?

Posted by on May 17, 2016 in Uncategorized | Comments Off on Recently Diagnosed With Diabetes? What Are Your Life Insurance Options?

If you’re like many Americans, you may have put off the purchase of life insurance for one of any number of reasons — perceived cost, hassle, or even just the desire to avoid facing your own mortality. In fact, only about 6 of every 10 adults carry life insurance coverage, despite nearly unanimous agreement that such coverage is important. Being diagnosed with a serious and lifelong illness like diabetes could be the impetus you need to begin investigating your life insurance options. However, you may find that the number of companies willing to offer you coverage shrinks drastically once you’ve been diagnosed with a chronic ailment. Read on to learn more about obtaining life insurance after you’ve been diagnosed with Type 1 or Type 2 diabetes.  Can you get life insurance if you have diabetes? Because diabetes has the potential to decrease your life expectancy, providing life insurance to individuals with diabetes poses an increased level of risk to insurance companies. Some companies choose to manage this risk by declining to offer coverage to individuals with certain illnesses or ailments (including diabetes), while others may offer coverage at significantly inflated rates.  However, all companies utilize different formulas and risk assessment factors when determining premium costs. If you’re running into trouble finding an insurance company that will offer you coverage at a price you can afford, you may want to contact an insurance agent or broker who can help sort through all the available policies and find the best option for you.  What should you do to keep your insurance costs down after a diabetes diagnosis? Even if you’ve already been diagnosed with diabetes before and you’ve sought out term life insurance, there are some steps you can take to lower your monthly premium.  If your diabetes is well-managed with medication or lifestyle changes, you may want to investigate policies that require a regular medical exam. By showing your insurance company that you’re in good health and committed to remaining healthy and keeping your diabetes in check, you should be able to receive rates more comparable to those offered to individuals without diabetes.  In other cases, you may want to split the difference and self-insure for a portion of your needs. For example, if you’ve calculated that it will take a $1 million term policy to replace your income and provide for your family, you may want to take out a $500,000 term policy and self-insure for the additional $500,000 by front-loading retirement accounts or making other investments that could be utilized after your death. You’ll be able to pay a much lower premium for your insurance while keeping some of your money within your own...

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Time To Add A Teenage Driver To Your Policy? 3 Tips That Will Help Save You Money

Posted by on May 2, 2016 in Uncategorized | Comments Off on Time To Add A Teenage Driver To Your Policy? 3 Tips That Will Help Save You Money

You have a good driving record, so your auto insurance premiums are low. Unfortunately, now that you’re about to add a teenage driver to the policy, those low premiums could go through the roof. You might think that you only have two choices – postponing your teenager’s driving privileges or dealing with the high premiums. Luckily, that’s not necessarily the case. There are actually a few things you can do that will help make those rates more affordable. Assign a Specific Car to Your Teenager If you’re like most American families, you have more than one car. If those cars are all on the same insurance policy, you can help keep your rates down by assigning a specific car to your teenage driver. This is particularly important if you drive a newer car that is more expensive to insure. Assign your teenager to the car that is the least expensive to insure. Be sure to let your insurance provider know that your teen will not be driving the more expensive cars. This will help keep your premiums at a lower cost. Get All the Discounts You Can Now that you’re insuring your teenage driver, you want to make sure you take advantage of all the discounts that are available. For instance, most insurance companies will give you a discount on your insurance premiums if your teenager gets good grades in school. You may need to show proof of grades each year to continue receiving the discounts. You may also be able to receive a discount if you enroll your teenager in a defensive driving class. Be sure to ask your insurance provider for a list of discounts that are available for teenage drivers. Keep the Car in Your Own Name If you’re going to be purchasing a car for your teenager, you’ll want to keep the title in your own name. You might think it will be less expensive to insure your young driver if their car is in their own name; however[,] that’s not the case. Save money by keeping their car in your name and insuring your young driver on your policy. Once they move out of the house, you can take them off your policy and have them start their own. If you have a teenage driver, you want to make sure you get the best rate for your auto insurance. Use the tips provided above to make insuring your teenager more affordable. Click for more...

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Oh Hail! 3 Steps To Take If Your Car Has Been Damaged By The Recent Hail Storms

Posted by on Apr 18, 2016 in Uncategorized | Comments Off on Oh Hail! 3 Steps To Take If Your Car Has Been Damaged By The Recent Hail Storms

If your car has been damaged by hail storms that have been passing through various regions of the United States, you probably have some damage on your car. This is particularly true if you were in any of the counties that endured golf ball sized hail. Hail can cause significant damage to your car. In most cases, hail damage can be repaired. Here are three steps you should take to ensure that your car gets repaired after a hail storm.  Assess the Damage As soon as you can get outside after the hailstorm, you’ll need to assess the damage to your car. Not only will this help you determine the extent of the damage, it will also help you identify any damage that might make it dangerous for you to drive your car. While most hail damage is superficial, it can cause damage to your auto glass – especially windshields. Even if you don’t see gaping holes in the glass, take a close look for signs of cracks. If your windows are cracked, you should try to avoid driving your car until the damage can be repaired. This is particularly true if the windshield, since even a small crack can become larger due to temperature changes and pressure on the glass during driving. Call Your Insurance Company Once you’ve assessed the damage to your car, you should contact your insurance company. Give them as many details about the damage, as possible. If you have comprehensive coverage on your vehicle, the insurance should pay to repair the damage. If your car sustained a significant amount of damage, your insurance company may decide to deem it a total loss. If that happens, you’ll be paid for the value of your vehicle at the time of the loss. Find the Right Repair Shop If your insurance company decides that your car is reparable, you’ll need to find a repair shop. It’s important that you not settle for the first shop you visit. There are various techniques that can be used to repair hail damage, including techniques that will not require any significant body work. One such way is through a technique known as paintless dent repair. With this process, a metal rod is used to push the dent out from inside the panel. If your car has been damaged by hail, you’ll need to act fast to get the damage repaired. For other information about hail damage, be sure to speak to your insurance...

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