Tag Archive | Independence

Does Homeowners Insurance Cover Dog Bites?

When you think of homeowners insurance your probably do not think of your pets harming a child or other animal, however this is a leading cause of liability claims under your homeowners policy.

Below is an excerpt from a local Lee’s Summit Dog Trainer’s Blog.  Follow Debra Murray for more info:

DOG BITE PREVENTION WEEK

According to the American Veterinary Medical Association, 4.5 million people are bitten by dogs each year. This number is especially disheartening since most dog bites are preventable. Dog awareness and advocacy, as well as responsible pet ownership, is where dog bite prevention begins.

1. Dog Awareness: That little phrase packs a lot of punch! Dog awareness starts with educating yourself on the basics of canine communication. It continues with seeking to be well-informed about our canine companions. If your knowledge comes from tv “experts”, your neighbor, and personal opinions, then you’ve got some more investigating to do. Dog behavior is a science. There are numerous myths and hypothetical postulations that have sadly spread like wildfire over the years. If you’re still in the dark ages believing dogs are trying to dominate their human families and be the pack leader, then that’s a good place to start looking into recent scientific discoveries. Everyone benefits from continuous growth in dog awareness.

2. Dog Advocacy: I hope you won’t be able to continue business as usual once you begin increasing your dog aware skills, and have a better understanding of man’s best friend. The humane thing to do is start advocating for, at the least, your own dog. When you recognize distress, fear, nervousness, anxiety, etc., then do your best to appropriately guide your dog. Don’t rely on their remarkable tolerance to prevent growls, snaps, snarls and bites. Kindly remove them, or the stressors that cause discomfort. You can go a step further and enlist a positive reinforcement trainer or veterinary behaviorist to guide you in improving your dog’s emotional responses.

3. Responsible Pet Ownership: This not only includes providing for the basic needs of your pet, but also forming realistic expectations. All dogs have teeth. All dogs can bite. Expecting your dog to tolerate consistent distressful situations without repercussion is irresponsible. Even our good family dogs can snap or bite when their tolerance levels are exceeded, combined, or overlooked. If you already have a dog that exhibits aggression, fearfulness, reactivity, etc., then you should take precautions to ensure the safety of your pet and others.

Pursuing the above goals will not only aid in the prevention of dog bites in your community, but also put us on a better path to becoming dogs’ best friends.

For the YouTube Video: https://youtu.be/nSPGLlLPJxY
For the full article:
https://www.smartypaws.net/blog/67-national-dog-bite-prevention-week-2018.html

 

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No matter what you think you don’t have FULL COVERAGE for your auto insurance. Your agent lied to you.

The reason your last agent focused your attention on your car by saying you have FULL COVERAGE is to distract you from the policy having low liability coverage.
 
In reality, there is no such thing as FULL COVERAGE. FULL COVERAGE is never once mentioned in your auto policy. You are only covered up to the limits you have chosen to purchase.
 
Your personal liability and uninsured motorist coverage are the MOST IMPORTANT. If you want your car fixed too, we’ll add comprehensive and collision to the policy. Then we’ll use the deductibles as tools to adjust the premium so the correct liability and uninsured motorist coverages fit within your budget.
Does this make sense?
 
The term FULL COVERAGE = FOOL’S COVERAGE.
We are making your smarter about your insurance.
 
We are Farmers bum ba dum bum bum

Are You Prepared For A Flood?

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.

Insurance Discounts for your 4 year college degree

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!

Actuarial Science
Agriculture
AeronauticsDiscounts
Anthropology
Astronomy
Astro-Physics
Astronautics
Atmospheric Science
Bacteriology
Biochemistr
Biology (Biological Science)
Bio-Medical
Bio-TechnologyDiscounts2Botany
Business Information Technology
Chemistry
Computer Applications
Computer Graphics
Computer Information Systems
Computer Science
Computer Programming
Computer Technology
Cybernetics
Ecology
Eco-Systems
Entomology
Environmental Science
Genetics
Geology
Geophysics
Information Technology
Kinesiology
Ocean (Marine) Science
Mathematics
Meteorology
Neuroscience
Physics
Physiology
Oceanography
Planetary Systems
Statistics
Systems Science
Technology
Zoology

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Scheduling Jewelry On Your Insurance Policy

Last month was Valentine’s Day and proposals happened everywhere!  This means that you might find yourself with a new diamond ring or expensive piece of jewelry in your home.

Many people spend thousands of dollars on beautiful jewelry but don’t take the time to find out how to insure it.  And this can be a big mistake!
Have you seen the Farmers Insurance TV commercial regarding jewelry?

If you have homeowners or renters insurance, then your jewelry is covered as part of the contents of your home.  But there can be problems…

1. We don’t know what it is worth.  It’s hard to get the full value of your jewelry back if you don’t know all of the specifics!  Weight, color, cut, size, and so forth are all factors in the value.  Ten years from now you might not even remember how much you paid.
2. You probably have a large deductible on your homeowners insurance, this deductible applies to the house itself as well as contents coverage. Many insurance policies have limits for theft of specific highly targeted items including jewelry.

But there is a simple solution to avoid all of these problems.  Our homeowners and renters policies allow you to “schedule” jewelry for a small additional cost.

You bring in the receipt and appraisal of the item and we add all of that information to your policy.  (Sometimes we don’t need all of this, just call us first and we can let you know.)

You will be charged based on the value of the item, but typically it’s less than $50 per year! (Sometimes much less, sometimes a little more.  It all depends on how much insurance is required.)

Plus, scheduled items don’t require a deductible.  So if your ring is lost or stolen, you pay nothing out of pocket but get to replace your precious jewelry.

So next time you open a jewelry box and put a sparkling diamond on your finger, make sure that you are insuring your investment.

Have questions about scheduling items on your homeowners insurance?  Call us today at 816-795-5977 or email jolson3@farmersagent.com for assistance!

 

Life Insurance Is For Those You Love

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!

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Lost or expired auto insurance ID card?

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

OR

For Android users click here
For iPhone users click here

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!”

Insurance Discounts from your Preferred Local Insurance Agency

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!

money-insurance-savingsDiscount

This month we’ve helped out clients in the following professions:

DrRN

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

Engineers, Architects, CPAs, Judges, Attorneys, Pilots also qualify; even if you have retired from one of the listed occupations you are also eligible!
Car-Insurance-Discounts

Call or email us for your detailed personal proposal
816-795-5977 or jolson3@farmersagent.com