Why You Should Inform Your Insurance Company That You Have Added A Puppy To Your Household

Posted by on Sep 30, 2015 in Uncategorized

When you add a puppy to your family, it is important to remember to inform your insurance company right away. Many homeowners do not realize how important reporting a new pet to an insurance company can be. Learn a few reasons why your insurance company needs to know about your new four-legged friend in the guide that follows. Damage to Your Property When you get a dog, there will always be some damaged caused to your home as they adjust to their new surroundings. All damage caused by the dog will not be covered by your homeowner’s insurance, but some damage may be covered. Wires being chewed, windows being broken, urine stains on carpeting, scratching of doors, or chewed up furniture may be covered by your insurance policy. Informing the company that you have a dog is the only way to find out what pet property damages are and are not covered by your policy. Damage to a Person You want to be sure that the insurance company knows about your dog in case someone is injured by him or her, as well. There are times when puppies attack individuals who enter the home because they think that they are protecting their family. While most puppies are small, it doesn’t mean that they cannot cause a lot of damage to someone. If someone is injured by your dog, your insurance company may have to pay for the person’s medical bills. If the company does not know about the dog, the insurance company could refuse to pay them. If this happens, the person would have to fight in court for the company to pay the bills or sue you to get the bills paid. Accidental Death of the Dog If the house catches on fire while your dog is inside of it, it would be a devastating loss for your family. If you paid hundreds of dollars for the dog, it would be a huge financial loss, as well. The insurance company will often cover the value of the dog, if he or she dies in a fire, earthquake, or flood. When you purchase the dog, it is important to submit a bill of sale to the insurance company, along with specific information about the dog, such as their age and breed. This allows the company to properly annotate exactly what type of dog is living in the home and determine how much of a liability he or she is based on their breed. Some breeds will raise your insurance rates because they are such a liability because they are so unpredictable. For more information, contact a company like The Blondin Agency Inc – Nationwide...

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3 Guidelines For Saving Money On Commercial Insurance

Posted by on Sep 18, 2015 in Uncategorized

Commercial insurance is an obligatory service that can protect your business on matters of company travel, litigation, damage to your building and more. By getting the best commercial insurance, you are essentially protecting the investment and assets of your business. With that said, you will want to look for ways of saving money on these insurance policies whenever you can. Follow the information in this article so that you are able to get the business insurance policy that you need, without paying too much.  Look For Discounts Available Throughout Your Career Field When looking to get a commercial insurance policy, you need to be sure that you are exhausting all of your options. You can save a great bit of money by looking to your a trade association in your field first for the lowest rates. This could be a plumber’s association, teacher’s union, welder’s guild or other such organizations relevant to your career path. The insurance plans that you receive will also be more specifically tailored to the type of work that you do, since you acquired it through your field-related trade. Handle Some Steps Around Your Business To Make It Safer The easiest way to lower your insurance rates is to cut out the risk of the variables that need to be insured. For example, studies have shown that something as small as the installation of a burglar alarm can drop premiums by 20% in some cases. Taking advantage of variables such as security in the form of a burglar alarm, or taking steps like adding smoke detectors, fire alarms, carbon monoxide monitors, high-quality lighting, on-site medical care and other fixtures will make your business much safer while lowering your insurance costs. Opt To Raise Your Deductibles  You can also lower the amount of money that you pay every month by agreeing to higher deductibles. The trade-off with this is that if an incident happens that involves a payout, you will be responsible for coming out of pocket with more money than you would have with lower deductibles. However, since these sorts of claims do not happen every day, you can put the money that you saved frequently on premiums to good use. As you can see, there are some very important tips to follow in order to make the most of your commercial insurance prices. To start getting some quotes, reach out to a commercial insurance company such as Hale & Associates Inc...

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