Independent Agencies and The Reasons Why You Should Check Them Out

Ever feel as if your current auto or home insurance policy may not provide you with the coverage you want and need? Using an independent insurance agency can help you find a policy that provides the coverage you need at a price that meets your budget.

What is an Independent Insurance Agency?

Independent insurance agencies act as a representative or broker in the insurance buying process. They do not provide the actual insurance coverage, but will sell policies from local and major insurance companies.

An agent through an independent insurance agency does not speak for or represent a single insurance company. They are focused more upon finding the customer/client a policy that closely meets their insurance needs, regardless of what company provides that coverage.

Why You Should Check Out Independent Insurance Agencies

The biggest reason why you should consider getting auto and home insurance quotes from an independent agency is because they have your best interests in mind. The insurance agency will not be trying to sell you the most expensive policy or the one that brings in the biggest commission. Instead, they will be trying to find you a policy that closely matches your insurance needs.

Purchasing a policy that provides you with the coverage you need can save you money. You will be able to save money because you are not paying for an insurance policy that provides you with more coverage than you need.

Another reason you should consider using an independent insurance agency is because it can save you time. Independent insurance agents can provide you with multiple quotes from different companies for the same type of coverage. This is a great resource if you are comparison shopping for auto or home insurance, because you do not have to call each individual insurance company up to get a quote. All the quotes are located in one convenient spot.

In fact so many people like to use independent insurance agencies for comparison shopping that many agents offer customers the ability to get live comparative quotes straight from the agency’s own website. Customers answer a few questions about their insurance needs and the independent insurance agency’s website produces multiple quotes from various companies for policies that offer coverage that meets those needs.

Next time you are shopping for home or auto insurance, consider using an independent insurance agency. It will save you time and money, while also making sure you have a policy that provides you with just the right amount of coverage.

Spring Into Action with Better Insurance Solutions for Your Family

Spring is a time of renewal and change. Along with packing away your winter duds and spring cleaning your home, you might want to take advantage of the new season and do a quick check up on your homeowners and auto insurance policies. A policy that was a perfect fit even just a year ago might not be the perfect fit today. Keep your family protected and safe by taking the time to compare a few quotes and to switch to a policy that best meets your needs.

Auto Insurance

A few life events will have a big impact on your insurance policy. For example, if your teenager recently hit Sweet 16 and got a learner’s permit and then a driver’s license, you’re going to see a jump in the cost of your insurance policy. When comparing policies, look for ones that offer discounts to younger drivers who’ve taken driver’s education or who get good grades in school.

Changes in your own driving habits can also affect your insurance rates. If you’ve recently started telecommuting and now drive a lot less, you might want to look for a policy that takes into account your reduced driving rate and gives you a better deal on your monthly premiums. Comparing quotes from multiple agencies at the same time will let you see which policy has the most to offer you at this point in time.

Homeowners Insurance

Did you make changes to your home in the past year, such as remodeling the kitchen or bathrooms or adding on to the building? If so, you’ll want to change up your homeowner’s insurance policy to reflect the added value to your home.

Adding on to your family can also mean it’s time to rethink the cost of your homeowners insurance policy. The extra expense of a new baby can mean you’re looking to trim costs elsewhere. Take a look at quotes from various providers and see how changing the deductible on your homeowner’s insurance policy changes the amount of your premium. Going from a $500 to a $1,000 deductible can mean you save some money each month, which can add up in the end, especially if you don’t ever need to file a claim.

Researching your family’s insurance options doesn’t have to be a chore. When you get real-time quotes from multiple companies at once, picking and choosing the one that works best for you is a breeze.

Valentine’s Day: Protect Yoru Future, and Give Your Loved Ones Peace of Mind

Valentine’s Day is around the corner—and few things propose love like future commitment, planned coverage and dedication to life protection.

 

Of course, life insurance is important, but maintaining a holistic view of their spouse’s contributions should be considered. Valentine’s Day is about partner appreciation, and future commitment should be a common gift. If you’re considering future health coverage, exploring a wide array of comparable quotes is important. Particularly for couples, coverage options are wide and varied. If your future medical expenses and options are fully covered—it may be time to consider your future family unit.

 

Preparing for the Unexpected

 

Lifelong commitments are forged from respect and trustworthiness, and an ironclad health policy can promote loving, trusting environments. Life is unpredictable, and finding medical lien funding requires expansive industry foresight. Fortunately, modern quote comparison databases accommodate for such adventures.

 

Wealth doesn’t necessarily mean health, either, so planning ahead of time for inflation, accidents and disasters is important. Saving your partnership’s future from an unexpected crisis, low income or strange events isn’t difficult, and maintaining the proper policies guarantees comprehensive coverage.

 

Health Policy Options for Couples

 

Many health insurance policies exist, and most opt for free-for-services plans. These plans offer certain monetary amounts for a patient’s collection. Once these funds are collected, the providing organization pays for the individual’s health expenses.

 

However, Preferred Provider Organizations (PPOs) may offer better options for loving couples. A PPO offers predetermined health networks, and these providing hospitals, specialists and organizations offer lower rates. When your family unit relies upon consistency and financial predictability, a PPO offers incredibly stability.

 

Additionally, a Points of Service (POS) coverage plan is a great option for new families seeking a general physician. Primary health care facilities considered, your POS provider can effectively gage needed medical assistance, and your family unit’s needs are always considered for coverage options

Coverage and Future Growth

 

Valentine’s Day should be both a celebration of past and future, and our comparative quotes guarantee diverse coverage plans for budding families. You may not require expansive coverage plans at a young age—but future families often expand, generate new possibilities and experience life’s many offerings.

 

Investing your time and money wisely should never be a solo endeavor, and considering life’s many possibilities guarantees a stable, well-protected future. Valentine’s Day is about love, commitment and respect—and its celebration can highlight both present happiness and future planning. It’s time to spread the joy!

Start Your New Year Off Right by Driving Safely

If there’s one resolution that’s worth keeping, it’s the resolution to be a safer driver. Driving safely not only protects you and your car, it also makes the road a better place to be for other drivers. What you do on and off the road can make it a safer place for everyone.

Before You Get Behind the Wheel

How you drive is just one part of being a safe driver. How well you maintain your car also plays a part. Before you head out on a trip, take a look at your vehicle’s tires, including the tire pressure. Under inflated tires are more likely to fail when you’re speeding along the highway. Worn out tires aren’t able to grip the road as well and can become particularly dangerous in wet or icy conditions.

Buckle Up

Seat belts save lives — according to the Centers for Disease Control, seat belts help cut the rate of deaths in car accidents by 50 percent. Part of driving safely is making sure you buckle up every time you get behind the wheel. You also want to make sure everyone in the car is safely buckled in, even if you live in a state that doesn’t require adults in the backseat to wear a safety belt.

On the Road

Once you’re on the road, there are several things you can do to stay safe. If you’re in the habit of using your phone behind the wheel, resolving to break that habit is a great idea. The majority of states have banned texting while driving, according to the Governors Highway Safety Administration. Several states have also banned speaking on hand-held device when behind the wheel.

Paying attention to the road should be your primary goal when driving. Along with not using your phone, you can remain alert by not driving when you feel tired and by taking note of the other cars on the road. Don’t stare straight ahead while driving. Instead, shift your gaze from the front of the car to the rearview mirror to the side mirror every few seconds, so that you always know what’s around you.

Double Check Your Insurance

Staying safe on the road also means having auto insurance that provides adequate coverage for your vehicle. You can compare quotes to get a policy that best suits your budget while providing the protection you and your vehicle needs. If it’s been a while since you’ve thought about your car insurance, now is the time to take another look.

In many ways, it pays to be a safe driver. You not only avoid accidents and harm, you also save money in the long run, as insurance companies often reward people with a stellar safe driving record.

Renters Insurance: Why it Matters

Disputes pertaining to repairs, installations and rent occur—and maintaining a firm grasp upon renters insurance is important. Often, tenants find themselves in a pinch, and their landlord relationships may be harmed when proper, protective methods aren’t engaged. Understanding renters insurance is vital for any tenant—and understanding why it matters, even more-so.

What is Renters Insurance, Anyway?

Renters insurance protects both a landlord’s and tenant’s interests. Belongings, life quality and lease aspects are covered—and they’re subject to liability action when one party fails to adhere to supposed terms.

Being safe and satisfied, as a tenant, requires full lease protection, and it requires firm adherence to a pre-approved lease. Unfortunately, less than half of renters purchase such protection, as opposed to homeowners. Often, lenders require additional mortgage holders for maintenance coverage, but renters are urged to protect their valuables from accidental, or intentional, harm.

Why Does Renters Insurance Matter?

Renters insurance is vital for property owners. Their policies don’t cover everything, and a landlord’s insurance coverage may only encompass one’s rented property to certain extents. Often, fire and wind damage are covered, but other damages caused by natural disasters may subject a tenant to loss of property, personal health or quality of life.

Renters insurance further protects a landlord’s tenants from such harm, reducing liability entanglement. Furthermore, if a tenant’s possessions are lost or damaged, and, if they’re unable to pay rent, the landlord will likely lose revenue. Requiring renters insurance is a common practice for a reason: It stabilizes annual practices.

What Does Renters Insurance Cover?

As your independent provider, we care about your prospective industry searches. When comparing insurance quotes, consider important renters insurance aspects. While many renters insurance packages are tailored to location, all must contain the following components:

Theft: Buffers damages accrued by apartment theft. For renters, theft protection levies their personal expenses with overall financial coverage.

Fire and Storm Damage: Weather damage helps tenants repair their possessions and property. Standard policies offer a “loss of use” coverage, which pays expenses needed to relocate oneself for repairs. For landlords, such protection offers reimbursement for such expenses.

Liability: If an injured individual sues the property, renters insurance assists tenants with their cause. Legal expenses, awarded damages and additional funds are often provided. For landlords, most insurance policies assists disputes by strictly detailing liability realms.

Renters insurance offers renter discounts and premiums, and many landlords accommodate for such polices with renters options and promotional offers. When viewing or extensive quote comparison database, remember to consider area, local regulations and renter dynamics. Additionally, coverage options may change depending upon your particular situation and unique, surrounding circumstances.

How to properly identify and close coverage gaps.

Comparing insurance policies and purchasing a plan for your personal property or concerns can be important, but you should also recognize the possible gaps that may occur when you buy a new policy. Gaps in your insurance can mean that you are not covered for all of the situations that may arise and sometimes it can mean that your claim is denied. Fortunately, it is possible to identify gaps in your coverage and address those concerns by closing the gaps before an accident occurs.

Look for Common Gaps in Coverage

There are a variety of situations that can arise, but many individuals do not realize that they have gaps in their insurance coverage. Generally, a simple way to identify gaps in your coverage is to look for common situations that are not covered. For example, a home insurance policy does not usually cover flooding or earthquakes unless you purchase additional protection.

Look for any situations that are not usually covered by the policy. Keep in mind that auto policies can have a variety of differences, so you should always read the details before you assume that a comprehensive policy covers the situations that you want to address.

Compare Policies

When you are certain that the common concerns are covered, look at different policy options. You can compare different policies for a car or house with the assistance of an agent or with online tools. Look at several quotes and evaluate the coverage that is offered with the rate. If you notice that certain situations are not covered in your current policy, then you may have a gap that must be addressed.

Purchase Gap Insurance

Gap insurance is a type of policy that will help pay for additional costs when your property is damaged and you still owe money on a loan. In many cases, the coverage will apply to cars or other vehicles and it will help pay for the cost of paying off the loan if the property is damaged and the current policy does not pay for the full amount of the loan.

There are a variety of ways that you can address gaps in your insurance coverage, but you should be aware that the specifics can vary between policies. You should always compare your options and look at several plans to get the most comprehensive option that is available for your property and your goals.

Are there any current policies that address Ebola exclusions?

With the word "Ebola" increasingly on everyone's lips, people are now starting to question how this old disease that has unfortunately found new life will be handled by insurance policies. With Ebola now documented to be within the U.S. in at least a few patients, insurance companies are looking at revamping policies to either specifically include or specifically exclude this disease.

Insurance companies may choose to offer, for example, one much more expensive policy that covers Ebola and one much less pricey policy that does not. But what of existing policies? Do they cover Ebola, or is it specifically excluded?

The answer isn't black and white: It depends. Some policies, like workers comp ones that each state regulates individually, are considered unlikely to exclude Ebola from policies. Thus far, none of the United States has excluded Ebola from those types of policies on a state level.

Other current policies, especially those with private companies, may be written in such a way that an Ebola patient might not be covered due to recent travel to Ebola stricken areas, or due to some other reason. Every policy is unique, though, so it is very important that you speak to your agent about exactly what your policy covers and does not cover.

The bottom line is that Ebola and insurance are not on the same page yet. What is known for certain is that every private insurance company is being very cautious about writing new policies or about extending older policies until they have addressed Ebola in some way within that policy. Leaving coverage in a gray area benefits no-one, so the sooner that insurance companies make what they will and won't cover clear it will be better for everyone.

If you need health insurance but you want a policy that covers as much as possible – maybe even Ebola – our agents are here to help. We are happy to look for any type of policy you need, and will do our very best to get you the price you're looking for as well!

 

 

 

 

 

 

 

 

 

Understanding Your Insurance Deductible

An insurance deductible is one of the most important parts of an insurance policy to consider when choosing these. Most types of insurance plans, including those for home and auto insurance have a deductible. As you shop for insurance, it is important to compare not just the premium, or the out of pocket cost for your insurance, but also the deductible limit. With the help of our independent agency, you’ll easily be able to compare this information so you can make the best buying decision for your needs.

What Is a Deductible?

An insurance deductible is the amount of money you’ll pay before your insurance kicks in to cover the costs associated with a loss. For example, if your home insurance plan has a $500 deductible, this means that if you have a covered claim that costs $1500, you are responsible for the first $500 paid on that claim. The insurance carrier will then cover the remaining $1000. Deductibles are your responsibility to pay out of pocket. Keep this in mind as you shop for policies.

Saving Money with the Right Deductible

You should never choose an insurance deductible that is too high for you to cover. Imagine if you were in a car accident today. How much could you afford to pay right now for repairs? You don’t want your deductible to be too high since this may limit your ability to afford paying it and getting the coverage you need.

At the same time, you’ll want to save money. The higher your deductible is, the lower your premium costs will be. Choose the right level of protection for your needs based on what you can afford here.

So, How Can You Save Money?

Use our comparative analysis tool to help you find the right deductible on the ideal policy. We can help you to do this. You can use our online tool to request quotes from multiple insurance carriers in the area. This tool will allow you to see all costs associated with the plan, including deductibles. You’ll then be able to consider various policies based on the costs.

It’s a good idea to understand what your insurance policy covers and how much your deductible is. When you use our tool to compare plans, you’ll have no trouble knowing what to expect from your insurance carrier and your home or auto insurance plan. Let our team help you today.

How to prepare for a natural disaster by knowing what you have covered by insurance

Natural disasters can be scary because there’s nothing you can do to stop them. The only ways to really prepare for them are to have adequate insurance coverage and to keep an eye on the weather so you can try to protect your belongings if you see a potentially harmful weather pattern heading your way. Take both of these measures to prevent yourself from significant financial setbacks if you are affected by a natural disaster.

Assess your insurance coverage

Each insurance policy has specific clauses that outline how they treat damage sustained by natural disasters. It’s important to know what is covered by a standard policy so you can supplement with additional coverage for anything that is not covered. For example, many types of flooding are not part of a standard home insurance policy, so you need separate flood insurance.

When you’re shopping for insurance coverage for your home or vehicle, the best way to do this is to compare quotes online. That way you can see exactly what is included in each policy and know how much you will pay for each type of insurance. Plus, you will also want to make sure all of your belongings are covered in your home insurance. You may need to pay extra to add a rider for expensive items, such as jewelry, art, or electronics, so they will be covered as well. Compare quotes on these riders as well to know the true cost of a policy and pick the best one for your needs.

Prevent damage if possible

Even with great insurance coverage, your ideal situation is to not have any of your belongings damaged at all. That way you don’t have to pay the deductible or deal with the inconvenience of having repairs done to your home or vehicle. Therefore, be attentive to weather forecasts so you know if there’s a potential for tornadoes, hurricanes, hailstorms, and other predictable natural disasters.

When a weather event has been forecasted, do what you can to protect your belongings. For example, if there is going to be a hailstorm, park your vehicle in a garage or carport to keep it from getting damaged by the hail. You can also board up your windows in advance of a strong hurricane to decrease the chance that they will be broken. These preventative measures are just an additional layer of protection so you’re less likely to need to make a claim on your insurance policy.

Understanding Personal Injury Protection and Health Insurance Coverage

Selecting an insurance policy that is appropriate for personal concerns can be challenging, especially when you are not sure about the details regarding your options. Although personal injury protection and health insurance coverage can seem similar, they are used for very different situations. Comparing your options with the help of an independent agent can make the process of finding a policy that is appropriate for your needs a little easier.

PIP Coverage

Personal injury protection is often associated with auto insurance. It is a type of coverage that will pay for your medical bills, lost wages or related expenses if you get into an accident and are injured in your vehicle. It may also be available for other needs, but every insurance provider is different and the details regarding the policy will vary.

The coverage that is available can apply to you or to a passenger in your vehicle who is injured. Depending on the policy that you are considering, your personal concerns and the laws of the state, the amount of coverage that you must purchase can vary.

Health Coverage

Health insurance coverage is very different from personal injury protection because it focuses on all of your healthcare needs, not just the problems that are related to an accident. It can pay for basic preventative care, emergency care and medically necessary prescriptions or treatments based on your situation and health.

Depending on your family and your goals, the health insurance policy that is best for your goals can vary. The amount of coverage that is available and the amount that you are responsible to pay during an emergency situation will vary between policies and companies.

Finding the Best Options

Protecting your personal health, the health of your family and any passengers who may be in your car is not challenging if you have the right insurance policy. While the amount of coverage that you may need can vary, an agent can assist you with the process of narrowing down your choices by explaining the coverage, answering your questions or giving you details that you need to make a final decision. You can compare your options quickly with the assistance of a professional.

Injuries can happen at different times, so it is important to obtain insurance that provides the protection that you need. Use the online quote form to find a local agent for more details about your coverage options.