What To Look For When Choosing An Auto Insurance Agency

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Finding the right car insurance company is as important as deciding on a primary care physician: your car is, statistically speaking, the second largest investment you will ever make (behind purchasing a home), so you need to know that your vehicle isn’t just in good hands, it’s in the best hands.

The Customer Comes First

The most important aspect of any insurance agency is the quality of its customer service. You should feel comfortable with everyone you speak to, from the first interaction to your personal agent — even the automated system should make you feel at ease. Finding good insurance, whether it’s for business needs or commercial vehicle insurance, simply must have a strong foundation in customer service.

When you think about the stress of auto accidents — from managing police involvement and exchanging all necessary information with the other party to dealing with the actual repairs — the last thing you want to do is struggle with the one person who is supposed to be unequivocally on your side. There is no place for judgment or attitude in insurance claims, period. If you get the sense that your agent is being anything less than a staunch professional throughout your experience, it’s time to find a new insurance agency — one that cares about you more than your money.

Options and Experience

That being said, kindness and understanding should never trump knowledge and experience. Balancing the two is the true secret to a great company. You’re going to want an agency that has a history of success, replete with all the information that comes from trial and error (and winning).

Great insurance companies will also be able to give you options based on your personal and financial needs. Some independent insurance agencies work with specific carriers to create the best overall insurance package for yourself and your family; they do the work so you don’t have to.

There are over 268 million registered vehicles in the U.S.; the crowded city streets and country roads offer increased opportunities for accidents, but finding a great insurance agency can keep you protected through the risk. Don’t settle for anything less than the best; do your research and discover your ideal auto insurance provider today.

3 Tips to Help You Choose the Right Homeowners Insurance

homeowners insuranceWhen you buy a home, you may be so caught up in the excitement of becoming a homeowner that you forget about one important aspect of owning a home: homeowners insurance. Choosing an insurance policy is crucial to making sure your home, property, and personal belongings are protected in the event of a disaster. But how exactly do you find the right insurance policy? Let’s take a look at a few tips to consider when meeting with insurance providers.

Compare several providers: When you’re looking to protect your personal property, it’s important to not choose the first insurance company you meet with. Instead, you should meet with several insurance companies and compare their offers and policies. The 2016 Consumer Insurance Survey found that 44% of homeowners compare insurance providers to get the best policy and deal when renewing their policy. When you comparison shop, you may find that one insurance agency offers completely different coverage than another. Overall, make sure you explore all of your options before deciding on a homeowners insurance policy.

Choose the right coverage amount: Many homeowners make the mistake of choosing the coverage that only covers the amount they paid for the home. This can be detrimental if homeowners then need to rebuild or repair their home after it’s been damaged. So it’s important to consider finding coverage for the home’s replacement value instead. In doing this, you’ll be able to rest assured that you can afford to rebuild or repair your home if need be.

Fully understand the policy: One of the biggest mistakes you can make when choosing homeowners insurance is deciding on a policy without fully understanding it first. If you’re looking for a policy that protects your home and the property, make sure you’re choosing a policy that doesn’t just cover the structure of the home. When choosing an insurance policy, make sure you completely comprehend exactly what’s covered and what your coverage limitations are. This is an important step to ensure you don’t get blindsided later on if something happens to your home.

Hopefully, these tips will help you feel more confident about choosing an insurance policy. Homeowners insurance is important, so it’s vital that you take your time and choose the right policy for your insurance needs.

Term Insurance vs. Whole Life Insurance

Term vs. Whole Life Insurance

Low cost term life insurance vs. higher cost whole life insurance, which product works best? Term is the best option, but that does not mean you should never look at whole life insurance. Both products serve the same purpose and understanding the differences is important.

Term Life Insurance

Description, low cost term life insurance is just that. Term insurance is for a certain period. The most commonly known term policies are 5, 10, 15, 20, 25 and 30 year terms. Some life insurance agents say this is renting insurance. Remember, renting does serve a purpose. This period certain makes up the low cost term life insurance. Term insurance is pure life insurance.

Most people out live their term life insurance. In fact, less than 10% of low cost term life insurance is claimed. The reason is simple, the term ends before filing a claim. Low cost term life insurance is to protect the family from financial hardship if something tragic happened. You should be planning an exit from life insurance, just as your kids are planning a career for themselves. The exit strategy is the reason low cost term life insurance works well during you investing in retirement and becoming debt free.

Whole Life Insurance

Whole life insurance has two parts, life insurance and savings. The time period for whole life is just that, your whole life. Health and age determine the premium. Because the rate does not change over your life span, if done correctly, the insurance company must account for the older years and the payout.

Whole life insurance covers you young and old, more likely to pay out and has savings built in. Now you know why it cost more than low cost term life insurance. The saving options whole life insurance has cannot replace investing in mutual funds. Some agents talk about loans and tax-free money. Managing life takes enough time; do not add more to the mix. More whole life insurance policies go south trying to get money out.

The best whole life insurance policy covers your final expenses.

Cost vs. Savings

Whole life insurance vs. low cost term life insurance is about eight times higher per year. Say a term policy cost you $600.00 per year. The same coverage using a whole life policy would be about $4800.00 per year. The first seven to ten years the whole life policy will not provide any savings. If you put $4600.00 per year in a Mutual Fund, the saving starts immediately.

The emergency fund is always ready using Mutual Funds. You have surrender charges in the first seven to ten years using a whole life policy. Purchase a low cost term life insurance policy and invest the savings for retirement and emergency funds.

Family Planning

Every family should have a plan. The best way to help with this plan is ask, “If I died today what would happen to _____________”. Make a list to fill in the blanks. You will come up with how much life insurance you want and the term you need to have insurance. Remember, you do not have to get one big life policy. You can have a 10-year term and a 30-year term. It has to work for you and low cost term life insurance works.

The best life insurance policy is the one in force when someone passes.

Could You Benefit from Bundling Your Insurance?

Bundling Your Insurance

insurance companyTrying to find the right insurance policy can be overwhelming, to say the least. Insurance is something everyone who owns a home or a car should have. But unfortunately, it’s not always easy to find an affordable plan that offers good coverage. This is why many people decide to bundle their insurance plans. Bundling, or buying more than one insurance policy through the same insurance company, can be a great option for a lot of people. But how could you benefit from bundling your insurance?

It saves you money: The most obvious benefit of bundling insurance is saving money. When you bundle insurance, like putting your car insurance and your homeowners insurance together, you can see a decrease in rates for both plans. When you combine policies through the same insurance agency, you’re setting yourself up for some great savings opportunities. Because you’re choosing multiple insurance policies through the same provider, the insurance company is going to reward you for your business. So if you’re looking for an easy way to save on insurance, looking into your bundling options is a great place to start.

It’s more convenient: In 2016 alone, 5.3% of homeowners filed an insurance claim, according to ISO data. Because insurance is something that you’re going to be dealing with a lot — whether it’s making payments or choosing plans — you’re going to want the most convenient option possible. And when you bundle your policies, one of the first things you’re going to notice is how convenient it is to work with just one insurance company. No more trying to remember different payment dates, piles of paperwork, or contact information for all of your different insurance companies. Overall, bundling insurance is a great way to make dealing with insurance policies easier and more convenient.

It avoids coverage gaps: When you have all of your insurance policies through one provider, you’ll have a higher chance of avoiding coverage gaps. When you have to deal with multiple providers, or switch providers due to policy changes, you may find yourself facing a lack of coverage for a period of time. This can be detrimental, especially if something happens during this time. So to avoid having to sacrifice coverage and ensure your personal property is fully protected, working with one provider and bundling your policies could provide to be beneficial.

When you find an insurance company that offers great policies and friendly customer service, consider bundling your plans with them. Bundling can offer convenience, security, and even potential savings.

Insurance News: RV Insurance

RV Travel Fun In California – RV Insurance

California has some of the most magical sites the entire world, much less the United States, has to offer. There are things to do for every type of traveler from one end to the other of the state. Lets face it though, it is a huge place and it is tough to know where to start. With RV travel, fun in California will be at your fingertips for a great price.

Transportation in such a huge state can just be a plain hassle. Busy airports in the middle of congested cities can mean that most of your next vacation is spent waiting, and not enjoying. It is about time to change this around so vacations can be less stress and more doing.

What is there there to do in California on an RV trip you may ask? It would really take a thesis just to write half of what California has to offer. The beaches of California offer an amazing amount of adventure and tranquility. Surfing competitions are endless in sunny San Diego. If you are looking for something a little more relaxing check out the beaches of Northern California, from Santa Barbara to San Francisco you can find whale watching and beautiful hikes within moments of RV parks. Take the family for an ice cream along the boardwalk in the beautiful ending of Route 66.

RV Insurance Riverside, CA

If you are looking for a rugged outdoor adventure without the hassle of tent-camping, RV travel in California simply means stress-free fun. Yellowstone National Park is a stunning must see. From the Dome Rock hike to mountain climbing, the scenery will blow you away. The best part, there are RV hookups and campsites open year around and on almost every step of the way. The avid fisherman will have their own slice of heaven with an RV trip in California. Salt water fishing and crabbing is wildly popular up and down the coast. Check out Ventura for a fun day on the beach while catching some crab for dinner! Fly-fishing in beautiful rivers, creeks, and lakes is an attraction up and down the state from Kern river to Kent Lake. An easily-acquired fishing license and a comfortable RV means hours of doing what you love best.

How could one take a trip to California without checking out the L.A. area. From Hollywood to Santa Monica Boulevard, you can experience these iconic locations that have become household names, and at an affordable price. Things can get expensive in L.A. with huge restaurant bills and blown up hotel fees. Take that hassle out of the equation with well-priced RV travel. Countless RV sites and hookups are located within minutes of all of these historic sites. The best part, they can be found for as cheap as just a few dollars a day!

Planning a vacation to California can be an ominous task because there is just so much beauty, excitement, and events to plan for! Expensive flights and trying to navigate taxis to and from airports can suck the fun out of your next trip. This year, take a look into RV travel fun in California. Remember, sometimes the journey is as exciting as the destination, and this could not be more true in the beautiful sunny state of California.

Marley Martinerin is a regular contributor to a number of sites and writes articles about such topics as buffers, and cordless power drills.

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Insurance News: Homeowners Insurance

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New Home Purchase & Home Insurance

If you are a first time home buyer, you will need to get home insurance. This is a simple process, but one you need to watch. If you’re not careful you could be paying for home insurance you will not be able to use.
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The process for buying home insurance during the purchase is simple, at least I think so. You contact an insurance professional and provide them with personal information along with the appraisal or property inspection. I like the appraisal best because it provides value and details on the home. Remember, home insurance is designed to replace your home exactly in the manor it was at time of loss.

The agent then gets to work on quoting your home insurance. Captive agents will provide one home insurance quote. Independent agents, like me, will look at multiple home insurance quotes. It’s important for your home insurance policy to have the right coverage to replace your home. This is not the purchase price of your home but the replacement price of the home. Home insurance policies have many options so you want to make sure you go through these options to get the protection that meets your needs.

Once you find a home insurance policy, you will notify your lender and/or realtor and provide them with your agents contact information and a copy of the home insurance quote provided. I have seen lenders, escrow offices and realtors go with a completely different agent even though you requested specific agent. The biggest reason they do this is because they are trying to close the file and get you into your home. But your home insurance could be more expensive now or have less coverage or not be binding.

You, the insured of the home insurance policy must agree to the terms and coverage within the policy by signing the home insurance policy application. No signature can result in no coverage.

Protecting your new home with home insurance should be a simple process. Finding the right agent to make sure you have the right policy, protection and price is the first step. Then make sure you review all the documents in the process of purchasing your home. Don’t allow anyone to pressure you into anything.

It’s highly recommended you get a property inspection done regardless of getting an appraisal. Appraisals evaluate the value of the property. Inspections evaluate the issues with the property. You don’t want to move into a new home and have issues your home insurance will not cover. Your insurance agent should have one or two property inspectors if you need one. They are great at saving you on filing a claim on your home insurance.

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Homeowners Insurance Policies

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Homeowners Insurance Policy

You pay for homeowners insurance policy every year but the insurance company won’t cover you, why? This is a common issue and gives the insurance industry a bad name. The devastation of a loss and the thought of a large repair bill is bad enough, but having your homeowners insurance deny a claim will make anyone mad. So why do home insurance companies deny these claims?

One of the most common claims denied is the roof repair. A large storm comes in and it rains for days and two days in to this week long rain you have water coming in from the ceiling. This is not fun to clean up and gets costly fast. You call your homeowners insurance agent and the home insurance carrier to start a claim. You have been paying for insurance for the last 10 years without a claim so all should be good, right. After the inspections, the roof repair is denied, which is common 70% of the time. You might be getting mad right now just reading this, right.

homeowners insurance roofLets looks at some facts. The home was built in 1979 and has the original roof. In 2016, the roof is 37 years old and most new roofs only have a 20 to 30 year guarantee. The roof has never been inspected nor has any maintenance been performed. This roof may not be covered under the homeowners insurance policy because of these facts. It’s normal wear and tear.

Now lets look at a home with a newer tile roof. The home is 5 years old and the roof looks good, from the ground. The same storm comes in and the same calls go to the homeowners insurance agent and home insurance carrier. What is the issue now? In the course of the last 5 years there has been wind, rain, and earthquakes. All these things and others has an effect on the roof included the building process. If tiles shift or slide they need to be moved back. If a tile breaks, it needs to be replaced. One tile on a tile roof is connected to the next tile and so on. So if one or two are out, this can make a whole section of the roof off. But still why would the homeowners insurance policy not cover the roof. Lack of maintenance.

The roof of your home should be inspected by a professional. There is no required period a roof should be inspected for the homeowners insurance, but once a year to every other year is a good habit to maintain. Just like your homeowners insurance policy should be reviewed at least every other year. Your home changes and so does the required coverage amounts.