Have you started your holiday shopping this year? Before long, people will be lining up in stores and placing their orders online. It’s an annual shopping frenzy.
But have you stopped to think about what your family really needs this season? For many of my clients, it’s Life Insurance. Life Insurance is what protects your family if something were to happen to you or your spouse. Think about what you would want for your family in that situation. Would you want your wife to be a stay at home mom? Would you want your kid’s college education to be paid for? Would you want your family to pay off the mortgage and be debt free? Life Insurance is about preparing for the unexpected and making sure your family is taken care of. It’s not a fun thing to think about for a lot of people, but it’s very important. Many people avoid buying life insurance because they think it’s expensive. But that couldn’t be farther from the truth! In fact, life insurance is extremely affordable, especially for a young healthy family. So before you stand in line buying coffee pots and crock pots this Christmas, stop and think about what is truly important. Purchase life insurance and insure that your children will be taken care of for years to come. Call me today for a no-obligation life insurance quote.
0 Comments
Thanksgiving has almost arrived. This is the time of year when we sit back and reflect on all the things that we are thankful for. What immediately comes to mind?
For most of us it’s things like our family, our home, and our good health. And guess what they have in common? All of these things are what insurance protects! That’s why it is so important to me that my clients have excellent insurance coverage. It’s not just about having an ID card in your car so you don’t get a ticket or fulfilling your mortgage company’s minimum loan requirements. Insurance is there to make sure that if the worst happens, you can recover from it. It might not be easy, but we’re here to ease the financial burden after your house burns down or a loved one passes away. All of those TV commercials that just tell you to find the cheapest rate are completely wrong! Of course no one wants to pay more then they have to, but it’s not the most important part of the equation. Rather than looking for a cheap bare bones policy, take the time to interview and meet with local agents. See who is looking for the best coverage and truly meeting your needs while keeping the rate affordable. Ask about how they handle claims and if they do annual policy reviews. This Thanksgiving, our agency is extremely thankful for all of our wonderful clients. If you need a local agent to look out for your most prized possessions, give us a call today for a free no-obligation quote. Every month, we share easy tasks you can do to keep you home in tip-top shape all year long. So here are a few tasks you can take on in November!
Maintain Large Appliances - Appliances are a big long-term investment! That’s why it’s important to take good care of them all year long. Your refrigerator is a great place to start. Accumulating dust can make your fridge cooling system less efficient. To prevent trouble, regularly pull the fridge away from the wall and clean the condenser coils with a vacuum cleaner. It’s also a good idea to dust and clean the front lower grille. This five minute task can add years of service to your refrigerator! Clean The Oven & Stove Drip Pans - Next move on to your stove. It’s another appliance that needs a good regular cleaning to keep it working well. Many ovens have a self cleaning feature that will do the hard work for you. The only problem? It can take a while to run the cleaning feature and it usually smells pretty bad while it’s running. Save this task for a nice day and open up the windows to keep it well ventilated. Check your stove manual for instructions and take a few minutes to clean the burners too. Have Problem Trees Trimmed - Cold weather has arrived. Have you noticed any large branches hanging over onto your roof? Get them trimmed as soon as possible. A good ice storm can cause branches to break onto your roof leading to more damage and insurance claims. Save on Home Insurance - Homeowners Insurance is an important part of protecting your home and belongings. To make sure you have the best coverage, call us today for a free, no obligation quote. With winter arriving soon, now is a great time to prepare your home for freezing temperatures. Use the checklist below to give you ideas for keeping warm, preventing fires, and saving money.
It’s October and that means that Halloween is on it’s way! We love any excuse to celebrate, but Halloween is especially fun around the office. However, I wouldn’t be a good insurance agent if I didn’t give a few good liability tips too.
You’ve heard most Halloween advice over and over. Pack a flashlight for when it gets dark. Put reflective tape on children’s costumes. Check the kid’s candy before letting them eat any. But what about the risks at your home? Your Homeowners Insurance covers you if someone is injured on your property. But there are a few things you can do to prevent accidents before they happen! 1. Change your lightbulbs. Is your porch light burned out? What about lights along pathways? Good lightning will help prevent children (and adults) from tripping. 2. Clear hazards. Tree limbs in your yard? A hole you’ve been meaning to fill? These are all potential hazards that could cause an injury and subject you to a liability claim. Clean them up before you have people trick-or-treating at your home! 3. No open flames. While candle filled pumpkins are fun to make, they can be dangerous too. If you use any open flame candles, make sure they are up high and away from any loose costume pieces. And the easiest way to protect yourself? Make sure you have plenty of liability insurance! Call us today to schedule a free review and detailed explanation of how we can keep your home and family protected. October is officially Fire Prevention Month. As your insurance agency, this is an issue that is very important to us! Unfortunately, we’ve seen clients suffer from home fires, but there are things you can do to prepare now to prevent a disaster later.
Beyond basic fire prevention, like checking cords and not leaving a pot unattended on the stove, there are several important things to do with your children or grandchildren to make sure they’re safe. First, create a PLAN. When children know what to expect, they can remain calm, even during an emergency. Help your child know exactly what to do if a fire occurs. Stress the importance of getting out of the house and to your family meeting spot. Choose an area a safe distance from the house where children should go if making a fire escape. It could be a street light, mailbox, or neighbor’s tree. If you have pets, tell your kids that your pets will find their own way out safely and that they should never go back to rescue the pet on their own. As a family, go through each room of the house and discuss TWO different ways to get out if a fire occurs. Let children practice opening a latch and unlocking doors too. Now host a fire drill! Make the practice drills fun and informative. Create sample scenarios and build up your kid’s confidence. They’ll be better prepared for a fire and you will too! When it comes to any sort of emergency situation, people are what matter most. Take precautions to protect your loved ones and let your professional insurance agents take care of protecting your home and belongings! Call us for a free quote on your Homeowner’s Insurance today! Every month, we share easy tasks you can do to keep your home in tip-top shape all year long. So here are a few simple tasks you can take on in October!
Pack Away The Air Conditioner – If you use a seasonal air conditioning unit, then now is the time to pack it up for winter! Make sure to spend a few extra minutes cleaning all the filters and coils well. It will keep the unit in great shape and it will last much longer. Winterize External Plumbing Systems – It’s much better to prepare for freezing temperatures before it’s freezing! Winterize all exposed outdoor pipes and you’ll avoid the trouble when there is snow or ice on the ground. Check Your Carbon Monoxide Detector – This is an important one! October is a great time to check your carbon monoxide detector to make sure it is performing well. Change the batteries, test it, and replace older units. Clean Up For Halloween – Trick-or-treating can be a liability hazard! Clean up any loose tree limbs, fill holes in the yard, and remove any fire hazard Halloween decorations before kids are running to your door. Save on Home Insurance – Homeowners Insurance is an important part of protecting your belongings. To make sure you have the best coverage, call us today for a free, no obligation quote. There are many aspects to successful financial plans. Most include a family budget, emergency savings, retirement savings, and…insurance!
So today, let's review the important parts of your insurance financial plan. Protect Your Stuff - This is what we think of first when it comes to insurance. Fixing your car after an accident and replacing your belongings after a fire. When you review your financial plan, you want to make sure that all of your valuable assets are protected here. Cars, homes, high priced jewelry or artwork, boats, motorcycles, ATV's, etc. Protect it all and make sure that the deductible is reasonable and that you have full replacement cost coverage. (We can explain all the details.) Protect Your Money - Liability is a misunderstood coverage, but it's extremely important. When you are held responsible for an accident, your assets and money are at risk! What if your teenager caused an accident and your were sued? What if you caused a major accident and didn't have enough liability coverage? Good insurance can make sure this doesn't happen! We look at how much you have to protect (total assets) and create a plan to cover it all. Protect Your Family - You can protect all of your belongings, but the ultimate way to protect your family is with good life and disability insurance. If something happens to you, you don't have to worry about your family protected. You can plan to pay off debt, pay for college, or anything else that is important to you. All of this might seem like a lot for think about, but it doesn't have to be. With a great insurance agent, you can meet once a year and trust that all of these things are taken care of. Why not take a few minutes to schedule an insurance financial planning review with one of our agents? Call us today! |