Summer is on its way. Before we know it there will be Memorial Day barbecues and long weekends at the lake.
That’s why now is a great time to review insurance coverage on all of your summer toys. Read below for things to consider (and review with us) before the big items come out of winter storage.
RV – Your motor home or travel trailer needs insurance coverage, especially if you’ll be driving or pulling it this year. Even if you don’t have a loan on your RV, you will want it covered for theft or damage. Whether they are parked on a lake lot for the season or driving cross country, we offer several RV policies to fit your needs. Just call us for a quote.
Boat – The same thing goes for your boats and jet skis. You’ve made a big investment and it’s important to protect them. Not only should you worry about damage to your boat, but also make sure you have the proper amount of liability coverage. Don’t forget your life jackets!
Motorcycle – Ready to hit the road for a long drive? Remember to brush up on your safety skills and always wear a helmet. Don’t forget to make sure your motorcycle has liability coverage just like your vehicle! We can help you determine what coverage you need. Especially important is uninsured, under-insured and medical payment coverage.
Swimming Pool – If you own a pool, then you need extra liability coverage including a Personal Umbrella Policy. Why? Because there is a lot more risk of someone being injured when you have a pool. Don’t skimp on your coverage and make sure you have the pool area secured and safe.
Summer is a lot more fun when you know that your high price recreational items are properly insured and protected. Take 15 minutes to call us for a quote or to review your current coverage.
March is the time of year when we talk about severe weather. That can mean hail, tornadoes, and even floods!
Flood safety is extremely important. That’s why it’s a good idea to review these basic flood safety tips, provided by http://www.ready.gov, with your children every year.
If a flood is likely in your area, you should:
- Listen to the radio or television for information.
- Be aware that flash flooding can occur. If there is any possibility of a flash flood, move immediately to higher ground. Do not wait for instructions to move.
- Be aware of stream, drainage channels, canyons and other areas known to flood suddenly. Flash floods can occur in these areas with or without typical warnings such as rain clouds or heavy rain.
If you need to evacuate:
- Turn off utilities at the main switches or valves if instructed to do so. Disconnect electrical appliances. Do not touch electrical equipment if you are wet or standing in water.
If you have to leave your home, remember these evacuation tips:
- Do not walk through moving water. Six inches of moving water can make you fall. If you have to walk in water, walk where the water is not moving. Use a stick to check the firmness of the ground in front of you.
- Do not drive into flooded areas. If flood waters rise around your car, abandon the car and move to higher ground, when water is not moving or not more than a few inches deep. You and the vehicle can be swept away quickly. If your vehicle is trapped in rapidly moving water, stay in the vehicle. If the water is rising inside the vehicle, seek refuge on the roof.
- Do not camp or park your vehicle along streams, rivers or creeks, particularly during threatening conditions.
With a little bit of preparation, you can keep your family safe! Review these tips for flood safety and contact us if you have questions about flood insurance coverage.
At our agency—WE LOVE DISCOUNTS!!!
If you have a Bachelor of Science Degree, Bachelor of Arts Degree, Master of Science Degree, or PhD in any of the areas below, you could qualify for up to 15% off your home and auto insurance!!! This is regardless of your current occupation, based only on your college diploma!
Biology (Biological Science)
Business Information Technology
Computer Information Systems
Ocean (Marine) Science
A lot of people put off purchasing life insurance because it seems like a hassle. You don’t want to do any sort of medical appointment. It’s an extra expense. And, for the most part, you just plain don’t want to think about death.
But life insurance is NOT ABOUT YOU. It’s about the PEOPLE YOU LOVE. And what better time than February to think about love!
So let’s get real. You do a lot for your family and if you have family members who depend on your income, then you need life insurance. And the sooner, the better.
For one, life insurance is cheaper when you are young and healthy! With each birthday you’ll see your quote go up unless you lock in a great rate now. And you don’t want to look for life insurance after you have been diagnosed with an illness.
Another great thing about life insurance is that there are a lot of options. And we’re here to discuss all of them with you. You can purchase a policy for the short term or even as a long term investment. It all depends on how much you can afford to spend and what your family needs are.
Whatever your situation, sitting down and discussing your needs and budget with an agent is a great first step. Current client or not call us today to set up a free, no-obligation appointment!
Each month in 2015, we’ll be sharing a short list of tasks that you can do to help take care of your home, vehicle, and family. Consider them a helpful reminder of what needs to get accomplished throughout the month to keep your important items protected.
Here’s what’s on the list for February:
Purchase A Fire Extinguisher – If you don’t have a fire extinguisher in your kitchen, now is the time to get at least one. Plan a family meeting and teach everyone in the household when and how to use it. It’s an easy way to prevent a small kitchen fire from getting out of hand.
Schedule High-Value Jewelry On Your Insurance Policy – Did your Valentine surprise you with a new piece of jewelry? Make sure it’s covered! While your Homeowners or Renters policy will cover jewelry, there are some limitations. Get an appraisal and bring it in so we can discuss the best course of action. (This also applies to artwork, guns, and other collectibles or antiques.)
Seal Up Drafty Windows – Feel cool air blowing in around windows or doors? Seal them up now! You’ll be glad you did when those summer air conditioning bills arrive.
Newlywed Insurance Review – Did you get married this month? Call us to schedule a newlywed insurance review! We’ll look at your individual policies and discuss how best to combine them for your new household.
Show The Love! – There is no better way to show your family how much you love them, then with the proper amount of life insurance! We can give you a quote on an affordable term policy and help you get this important coverage in place quickly.
We LOVE our clients! Let us know if we can assist you in any way with your auto, home, business, or life insurance.
We get this call multiple times every day. While we are always happy to mail/email/fax your card to you; we do have a great technology option as well. It’s the iFarmers app (for both iPhone and Android). There are many cool features, but the one most used is the auto insurance ID card. Every renewal (typically 6 months) it always updates to current dates and when you get a new vehicle it’s automatically added as well. Try it out and let us know your thoughts!
Search for iFarmers on Google Play/App Store
Client Ryan H–“It took all of 3 minutes to set up. All I needed was my policy number (which I got from an old ID card), my driver’s license number, date of birth and email address. The process was quite simple and I’m glad you mentioned it to me!”
Did you know that your 4 year college degree or occupation will discount your auto and home policies with our agency? Our average client saves $150-$200/yr just by this one discount alone!
This month we’ve helped out clients in the following professions:
Medical: Physicians, RNs, Dentists
Scientists: Computer Scientists to Meteorologists
Public Service Providers: Firefighters, Paramedics, and Law Enforcement
Educators: Elementary, Middle, High School Teachers and College Professors
Active Military Personnel
Call or email us for your detailed personal proposal
816-795-5977 or firstname.lastname@example.org