Auto insurance can be confusing. That’s why our office stands ready to help you have a better understanding of your coverages. We invite you to contact our office for a no-obligation review of all your insurance needs.
Yes. The Blue Book is only a guide. The company is required to pay you what your vehicle was actually worth (as a used car) the moment before the crash. The adjuster will find out how much used cars like yours (same make, model, and year) are going for in your area. It's a good idea for you to independently research the value of your car too.
Auto insurance can be confusing. That’s why our office stands ready to help you have a better understanding of your coverages. We invite you to contact our office for a no-obligation review of all your insurance needs.
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Contractors or Cons?
Your home may be destroyed by a fire, flood, storm or other catastrophe. You're scrambling around to get your life back in order and you may think that things couldn't get worse. Well, they can and often do because of people who can't spell contractor without c-o-n. The period after a serious loss is hectic, emotional and disorienting. Your major concern is to get your home repaired or rebuilt. These elements make you very vulnerable to "CONtractors" - people who specialize in victimization instead of construction and in rip-offs rather than repairs. Slow Down And Make Good Decisions While you may be in a hurry to restore your loss, it is critically important to avoid persons who appear on your damaged doorstep offering to start construction. While handling a serious loss, think of taking precautions such as the following in order to avoid compounding your problems:
So, you just got married, or you just had a point taken off your record or you just improved your credit score. Your auto insurance premiums should be a little lower now, right?
Well, don't count on it. In some cases, your car insurance provider will automatically adjust your premiums to fit your current profile. Once certain moving violations are off your record, for instance, you may see an instant change to your bill. But most factors will not result in a change until you get in touch with your insurer and let them know. Businesses have a lot of technology to track their customers now. If you tell your insurer that you're married, they can check with the courthouse and see if you ever filed a marriage certificate. But they don't exactly check every customer's data on a weekly basis, nor do they have a system plugged directly into your credit rating to see how you're doing in real-time. As a general rule of thumb, it breaks down like this:
Homeowners, Mobile Homeowners and Renters: Life is unpredictable. It pays to know your stuff6/19/2020 Home insurance is important for both homeowners, mobile homeowners and renters. Homeowners and mobile home owners need to purchase insurance to protect their homes and personal property. Those who rent need insurance to protect their furniture and personal property. Everyone needs protection against liability for accidents that injure other people or damage their property.
Whether you live in tornado alley, wildfire zones or along coastlines prone to flooding and hurricanes – now is the time to properly insure your home and possessions. In recent years severe weather disasters across the country have inflicted more than $43 billion in damage. But research suggests more than half of consumers do not have an inventory of their possessions. Now is the time to make sure you have properly insured your 'stuff.' Creating a simple home inventory helps you track what you own and what it is worth, making important insurance decisions easier. Here are the 7 Best Home Inventory Apps of 2020
El seguro para inquilinos brinda protección financiera contra la pérdida o destrucción de sus posesiones cuando alquila una casa o apartamento. Si bien su arrendador puede simpatizar con un robo que haya experimentado, o un incendio causado por su hierro, la destrucción o pérdida de sus posesiones generalmente no está cubierto por el seguro de su arrendador. Debido a que, en la mayoría de los casos, el seguro para inquilinos cubre solo el valor de sus pertenencias, no el edificio físico, la prima es relativamente barata.
Al comprar un seguro para inquilinos, sus pertenencias están cubiertas contra pérdidas por incendio o humo, rayos, vandalismo, robo, explosión, tormenta de viento y daños por agua (sin incluir inundaciones). Al igual que el seguro de propietarios de viviendas, el seguro de inquilinos también cubre su responsabilidad ante otras personas lesionadas en su hogar o en otro lugar por usted, un miembro de su familia o su mascota y paga los costos de defensa legal si es llevado a los tribunales. El seguro para inquilinos cubre sus gastos de vida adicionales si no puede vivir en su apartamento debido a un incendio u otro peligro cubierto. La mayoría de las pólizas le reembolsarán la diferencia entre sus gastos de vida adicionales y sus gastos de vida normales, pero aún pueden establecer límites en cuanto al monto que pagarán. Hay dos tipos de pólizas de seguro para inquilinos que puede comprar:
Una revisión rápida y sin compromiso con nuestra agencia le informará todo lo que necesita saber sobre el seguro para inquilinos. Llama hoy. Muchas transacciones se pueden manejar desde la comodidad de su hogar. Renters insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you have experienced, or a fire caused by your iron, destruction or loss of your possessions is not usually covered by your landlord’s insurance. Because in most cases, renters insurance covers only the value of your belongings, not the physical building, the premium is relatively inexpensive.
By purchasing renters insurance, your possessions are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods). Like homeowners insurance, renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court. Renters insurance covers your additional living expenses if you are unable to live in your apartment because of a fire or other covered peril. Most policies will reimburse you the difference between your additional living expenses and your normal living expenses but still may set limits as to the amount they will pay. There are two types of renters insurance policies you may purchase:
A quick, no-obligation review with our agency will tell you all you need to know about Renter’s Insurance. Call today. Many transactions can be handled from the comfort of your home. Well, since it is required where you live, you are breaking the law.
It's important that mobile home owners understand they have different insurance coverage requirements. We provide mobile home insurance policies for all types of manufactured and mobile home owners. When you choose our agency, you will receive the following:
The liability protection connected with mobile or manufactured homes is, for all practical purposes, identical to the liability provided to conventional home owners. Why? The likelihood of guests to be hurt at your home, or your probability of being sued, tends to be the same. The most important thing to remember is that our agents are a tremendous source for getting the information you need to be sure that your home and property are adequately protected at a reasonable price. The cost of RV insurance will vary widely, depending on several key factors:
Contact our agency for a no-obligation review of your current coverage. You’ll be glad you did! Nuestra agencia utiliza el software más avanzado para asegurarse de que obtenga todos los descuentos que se merece al comparar con todas las muchas compañías que tenemos disponibles para usted.
Llámenos a su conveniencia y déjenos ver cuánto dinero podemos ahorrarle en su seguro. Nuestra agencia es única porque no se limita a un solo tipo de proveedor de seguros, sino que ofrece a los clientes las mejores ofertas de muchas compañías de seguros diferentes. De esta forma, los clientes tienen acceso a ofertas de múltiples operadores, todo en un solo lugar. ¡Entonces, permítanos buscarlo gratis! Llame a nuestra oficina para obtener una cotización rápida o visite nuestro sitio web para todas sus necesidades de seguro. |
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December 2022
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