Take These Steps To Prevent An Automobile Break-In During Christmas Shopping

When you join the masses for Christmas shopping this holiday season, you can rest assured that people looking for crimes of opportunity will also be out in full force. Around the holidays, this means that unscrupulous individuals will be looking to break into vehicles that contain recently purchased presents. You don’t want to fall victim to this sort of crime, but you also don’t want to contend with damage to your vehicle that requires you to pay your deductible and file an auto insurance claim. While you can’t completely eliminate the risk of a vehicle break-in, there are lots of things that you can to minimize being targeted. Here are some steps. Don’t Return To Your Vehicle Until You’re Done Shopping People looking for an easy target can loiter in a shopping center’s parking lot to watch for people who drop shopping bags into their vehicle and then return to the mall for more shopping. When such people are spotted, it’s easy for a thief to smash a window and make off with the recently bought items — and leave the vehicle owner needing to make an insurance claim soon thereafter. You can avoid this risk by not placing any items in your car until you’re leaving the shopping center entirely. Have Someone Stay With The Car In Bad Parts Of Town Occasionally, you might find yourself having to...

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Three Things You Need To Do Before Your Teenage Driver Gets Behind The Wheel This Winter

For many new teen drivers, driving during through harsh winter weather will be a challenge. As an experienced driver, you probably don’t give much thought to driving over ice and snow, but if it’s your teen’s first winter behind the wheel, you need to make sure he or she is prepared. Learn how to make sure your teenage driver is completely prepared for driving in winter weather conditions. Review Your Auto Insurance Coverage Bad weather often means more auto accidents. So, before your teenage drives this winter, take the time to review your auto insurance policy to make sure you have adequate coverage. You need to: Make sure you carry enough liability coverage. Check the limits on your bodily injury and property damage coverages to make sure they are high enough to cover someone’s medical bill and car repairs if your teen causes an accident, and talk to your insurance agent about adding uninsured/under-insured motorist coverage if your policy doesn’t have that coverage. Also, if you have a high deductible, you should consider lowering it for the winter months. This way, if your teen does wreck the car, you’re out-of-pocket expense is reasonable. Contact a company like LA Insurance for more information. Braking on Icy Roads Before you allow your teen to drive your car alone for the first time in winter weather, you need to make sure he...

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3 Types Of Auto Insurance Add-Ons You Can’t Afford To Overlook

Most consumers today are looking for ways to reduce the amount of money they pay for auto insurance each year. While scoring a great deal on coverage is a legitimate goal, savings should not come at the expense of important policy features. As you try to reduce your insurance costs, here are 3 auto insurance add-ons that you can’t afford to overlook. 1.  GAP Coverage Is your insurance policy providing coverage for a new vehicle? If so, then GAP coverage is an essential policy add-on that you can’t afford to overlook. New vehicles lose an estimated 9-11% of their value in the first day off the lot alone. If you get into an accident your insurance policy will usually reimburse the market value of your vehicle, which could be much less than the amount of money you owe your lender if you took out a loan to pay for the car. GAP insurance pays the difference between what your car is worth, and what you actually owe. This prevents you from making payments on a car that is no longer operable. 2.  Roadside Assistance If you, like many American drivers, spend a significant amount of time in your car each day, then having access to a roadside assistance plan could be beneficial. Costing an average of $36 to $100 each year, roadside assistance plans provide access to affordable peace...

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Why Basic Home Insurance Doesn’t Always Cover Damaged Food

Have you ever lost a bunch of food in your fridge and freezer because of an extended power outage? If so, you might have wondered if your homeowner’s or renter’s insurance would pay for replacing the food. After all, you suffered a financial hit when everything in your freezer and fridge became inedible through circumstances beyond your control. However, it’s not that simple. Sometimes lost food is covered, but many other times, it’s not, unless you add more coverage to your policy. Endorsements Added to Policy Most of the time, special considerations like spoiled food are covered only if you have something called an endorsement on your insurance policy. Endorsements are basically extra policy additions that you can pile on if you want more coverage. They do increase your premiums, but they can save you a lot of money if strange things happen that affect your home. Endorsement coverages are not all identical. One company might offer a no-deductible endorsement that covers a small amount of food, while others might offer more extensive coverage with a deductible. You really have to contact an insurance company such as Taylor Robert Companies to find out how much an endorsement might cost you—there aren’t nationwide price averages for endorsements. Basic Coverage Is Rare Occasionally, you’ll find a basic policy that does cover spoiled food. However, check out the requirements. Sometimes that coverage...

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3 Reasons To Convince You Renter’s Insurance Is Worth It

People often mistakenly think that they don’t need renter’s insurance. While the chances of someone breaking into your house or the chances of something happening to your property are quite low, there are other reasons why renter’s insurance is definitely worth it. Read on to learn more about three of these reasons. 1. Renter’s Insurance Can Protect You From Liability If Your Dog Bites Someone Dog bites happen more often than you would think. Each year, about 4.5 million people in the US are bitten by dogs, and even normally docile dogs can get agitated and bite unexpectedly. Since the average cost of dog bite claims was a whopping $29,396 in 2011 – which could include compensation for pain and suffering and loss of wages, in addition to medical costs – the potential risk to your finances should have you concerned. Fortunately, most standard renter’s insurance policies protect you in this situation, and basic insurance policies can be amended to cover you against any damages due to a dog bite. Each policy works differently, but most provide comprehensive coverage up to a certain amount, such as $100,000. If you’re a dog owner, renter’s insurance can bail you out of a tough situation. 2. Renter’s Insurance Can Protect You From Liability If Someone Is Injured At Your Home There always exists the possibility that someone could get injured in your...

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How A Wind Mitigation Inspection Can Save You Money

If you live in Florida there’s one thing for sure – you’re used to having to pay an arm and a leg for homeowners insurance. Over the past decade, homeowners and businesses, in areas affected by Katrina and Ivan, received more than $45 billion in insurance claims. This has led to some of the largest premiums, on average, homeowners in America have ever had to pay. Fortunately, homeowners are finally starting to see evidence that the market has healed and premiums are going down. Even still, it might be a while before you start to see your bill shrink. One way you can help compound your insurance savings this year is by having a wind mitigation inspection done. What is a Wind Mitigation Inspection? A wind mitigation inspection is where a licensed roofer inspects your roof to verify the types of wind mitigating features it’s equipped with. Florida Statute 627.0629 states that all insurance companies are required to offer discounts or credits for having certain construction methods. The licensed inspector will complete a Uniform Mitigation Verification Form that they will present to you and your insurance agency. Below is a list of items the form is based on: Shape of roof Reinforced roof decking Roof shingle attachment method Secondary water resistance Shutter protection Uniform Mitigation Verification Form Overview While you’re reading over the wind mitigation form you’ll notice there...

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What You Can Do To Lower Your Auto Insurance Premium

Paying for your automobile insurance can be expensive. Getting into an accident or adding your newly licensed child to the policy could drastically change your premium — sometimes almost doubling it. It almost seems like everything you do is going to have some sort of effect on your premium. Fortunately, you have just as many ways to combat exorbitant premiums as you do raising them.  Check Your Deductibles Many drivers are fortunate enough to never be on the bad side of an accident while others can’t seem to avoid them. If you consider yourself a safe enough driver, raising your deductibles could reduce your premium significantly. Progressive’s own website states that changing your deductible from $200 to $500 alone could save you between 15 and 30 percent on your premium. Keep Your Insurance Score Down In conjunction with your deductibles, keeping your insurance score down also helps keep your premium down too. Over the years, insurance companies have collected heaps of data that they feel draws a strong correlation between credit score and insurance claims. Your insurance score uses your credit score in combination with your driving record and insurance claim history to determine a number that they feel they can use to give you an accurate quote. A lot of insurance companies justify the use of a credit score by saying they use them to help offer their customers...

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The Future Of Real Estate Agents

Whether you’re buying or selling a home, you’re familiar with the importance of real estate agents in the process. They are specialized in dealing with everything from helping potential buyers to talking with attorneys and even working with the mortgage lenders. But with so much new technology available to people today, is the use of agents as much of a necessity? While the Internet has plenty of useful tools, enlisting the help of an agent is still very beneficial to you. What Makes Real Estate Agents Essential There are several reasons that hiring the help of a real estate agent, such as Brian Adamski, REALTOR®,  can make the process go much smoother. Here are a few examples of why they’re still relevant: Agents have years of experience in their chosen markets, and they have many inside contacts that can help give you more leverage. Most agents are affiliated with a larger real estate company, so their logo and name is included, giving you more clout. Real estate agents have been trained to negotiate and know how to make sure you get the house for the price you want or sell the house for the price you need. Agents know the law and can get through the closing process more quickly and with less legal issues later down the road. A real estate agent is available to show your home to...

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