SomeThings to Keep in Mind...
Whether your life is up-sizing, downsizing or just right, it's important to make sure that what's changed in your life is reflected in your insurance protection. Wedding celebrations, the addition of new or young drivers, children going to college, starting over on your own, a retirement or an inheritance, opening a new business, making home improvements, acquiring new cars or recreational vehicles, all of these events happen every day. We can tailor your insurance coverage to match your unique needs as your life changes. Planning ahead is critical.
Don't be a Victim of Identity Theft
Identity theft is currently the fastest-growing white-collar crime in America. Our homeowner's policies provide coverage to access a skilled, personal advocate who will assist you should your personal identity be compromised. Assistance includes notification of relevant agencies, credit report monitoring, and fraud mitigation services to help you clear your good name. These services and the accompanying peace of mind are just a phone call away.
How Much Life Insurance Do You Need?
Here are some questions to ask: How much of the family income do I provide? If I were to die early, how would my survivors, especially my children, get by? Does anyone else depend on me financially? Do I have children for whom I'd like to set aside money to finish their education in the event of my death? How will my family pay final expenses and repay debts after my death? Do I have family members or organizations to whom I would like to leave money? Will there be estate taxes to pay after my death? How will inflation affect future needs?
As you evaluate your needs, now is a good time to consider purchasing a term insurance policy. It generally offers the largest amount of insurance protection for your premium dollar. Rates are continuing to drop due to increases in life expectancy and a competitive market. Good news for all of us! Call us today for a quote.
Why Is Your Credit History Important For Auto Insurance?
It may sound surprising, but there really is a relationship between the way you use credit and the way you drive. All insurance companies review relevant information about a driver before setting a rate. Your age, driving record, and experience, where you live and the year, make and model of your vehicle are just some of the things insurers consider to determine how likely you are to be involved in an accident and, based on that, how much you should pay for insurance. In addition, insurance companies have learned that insurance scores - which are derived from information contained in your credit report - are also an accurate predictor of future losses.
Using credit responsibly can result in a lower insurance premium. It's a good idea to periodically obtain a copy of your credit report from the three major credit bureaus to check for any inaccuracies.
Homeowner's Policies Do Not Cover Floods
Not every flood comes from a tidal surge or raging river. Increased development, clogged or insufficient storm drains, and the rapid accumulation or runoff of excessive rain, melting ice or snow can contribute to unexpected flooding. About 25 percent of all flood insurance claims are paid on homes in low to moderate risk areas. Flood insurance is available through the National Flood Insurance Plan (NFIP) and can be purchased through our office. Complete information about flood insurance is available at the Federal Emergency Management Agency (FEMA) website www.fema.gov. You can also determine the specific flood risk of your residence at the official website of the NFIP, www.floodsmart.gov.
Life is filled with uncertainty...
...and knowledge of the financial consequences of what may or may not happen is imperfect. As independent agents, we work with you one-on-one to identify the insurance products that are right for you should the unexpected happen.
They say real value is hard to find these days. We say look no further. We can present you with more options designed to better match your protection and budget needs with leading insurance companies.
You make many considered choices. Your insurance should be one of them. Don't just talk dollars or monthly payments, also talk sense. Make sure you get solid coverage from a company and agent that's experienced, reliable and has been around awhile.
Whether you're a computer-person, a phone person or an in-person person, we make it easy to apply for coverage, pay your bill, handle your claim and get answers to your questions.