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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Three Common Home Hazards And Your Insurance Coverage Options

Posted by on Aug 29, 2015 in Uncategorized

Without taking the time to read all of the declaration pages that come with your homeowner’s insurance policy, it’s tough to know everything that the policy might cover. In fact, you’re likely to eventually come across something that may leave you questioning your coverage. Here are a few unusual situations you might experience and the coverage standards that typically apply. Ground-Based Natural Disasters If you live in an area that has a history of earthquakes, you may find that your homeowner’s insurance automatically excludes damage caused by earthquakes. You’ll have to talk with your agent about an additional policy that covers earthquakes, otherwise you’re going to have to pay for any quake-related damages yourself. For homeowners living within a close proximity to a volcano, you may actually have coverage for volcanic ash damage. You’ll have to check your declaration pages or talk with your agent specifically about ash damage, though, because those fine particles can seep into cracks and crevices, not to mention how heavy an accumulation can be on your roof. Power Outages If your home suffers any kind of damage as a result of a power failure, you’ll have to consider the type of power outage before you can determine your coverage. If the power failure was caused by something such as lightning striking your house, you will probably have coverage for the damage. You’ll have to pay your deductible, but the damages should be covered under your policy. For power failures caused by a lightning strike on the transformer or other indirect actions that affect your power, you’ll probably find that standard homeowner’s policies don’t cover it. And, most policies won’t cover food lost as a result of the power outage. You may, however, be able to buy a separate policy rider that extends coverage for these types of things. Injury and Illness Any direct bodily injury to someone else in your home should be covered under your homeowner’s liability and medical protection. Germ threats, on the other hand, won’t typically be covered. For example, if your neighbor tries to sue for catching a case of chicken pox, your policy won’t likely extend coverage. It’s always in your best interest to understand exactly what you’re getting when you buy a home insurance policy, but it can be tough to decipher. Talk with your agent in detail about what your policy covers and specifically what it excludes. That way, you can add policy riders for any hazards you’re concerned about. For professional homeowners insurance services, contact a company such as The Selzer...

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Avoid Home Insurance Claims By Knowing How To Identify Problem Trees On Your Property

Posted by on Aug 14, 2015 in Uncategorized

Many homeowners don’t give much thought to the trees on their property. After all, for the most part, trees can take care of themselves, right? While this may be true, the fact remains that trees can become dangerous if damaged by a storm, diseased, or dying. In such instances, you should know how to identify and handle a problem tree so as to avoid homeowners insurance claims that could increase your policy premiums. Remove Dead Branches Immediately You should never ignore dead branches on a tree, even if there are just a few of them here and there. Dead branches could be the sign of a tree in the early stages of a disease. Not to mention, dead branches can easily break off and fall to the ground during storms or periods of high wind. You don’t want a large branch falling on your roof or car, so be sure to prune dead branches back or call a professional to handle it for you. Watch Out for Leaning Trees It’s not uncommon for trees to lean slightly as they grow. However, it you notice that a leaning tree appears to have raised ground near the root structure, this could be a sign that the tree is in danger of falling over. If this is the case, you may need to have the tree professionally removed before it becomes a hazard to your home or a neighbor’s. Have Diseased Trees Professionally Removed Speaking of tree removal, be sure to contact a professional tree service right away in the event that you have a diseased tree on your property. Trees that are diseased or dead (no longer budding during peak season) no longer have a strong enough root structure to remain firmly planted in the ground. As such, these trees are especially prone to falling over during a storm or even on a windy day. Know How to Identify Weak Root Structures Even if a tree isn’t obviously diseased, the root structure could still be compromised, which could increase chances of the tree falling over and causing severe damage or even injury. Sometimes trees grow multiple trunks. When assessing a tree for a weak root structure, be on the lookout for v-shaped (as opposed to u-shaped) joints on conjoining trunks. This can be a sign of ingrown bark, which can weaken the tree’s root structure. Call a professional to assess the tree and determine the best course of...

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Understanding Your Health Insurance Options

Posted by on Jul 30, 2015 in Uncategorized

As you might be aware, health insurance is now mandatory in the United States. If you do not have health insurance, then you are probably going to have to pay a fine. You probably don’t want to be fined, but you might not know exactly which health insurance option is best for you. To help you out, here is an explanation of the most common types of health insurance: First Of All: How Much Is The Fine? You might think that you would be better off just taking the fine. However, the fine is actually quite severe now. In 2014, the fine was only $95 per adult or 1% of household income. In 2015, the fine increased to $325 per adult or 2% of household income. In 2016, it will increase again to $695 or 2.5% of income. Health Insurance Through An Employer Many people don’t really have to worry about health insurance because it is provided through their employer. In almost all situations, this insurance plan passes the minimum requirements of the government, so you won’t need to pay the fine. This type of insurance often applies to the employee, their spouse, and any children that they have under age 26. Once your children pass that age threshold, then they will be removed from your plan and will need to find their own insurance If your company doesn’t provide health insurance, then you will either need to buy private insurance or apply for Medicaid. Private Health Insurance If you make more money than Medicaid coverage allows, then you will need to buy private health insurance, which works just like auto insurance. You will pay a monthly premium to your provider and you will be covered in the event that you are injured or need to visit a hospital. That premium can rise or fall depending on your health, your demographic information, and how often you have needed coverage in the past. Private health care rates can vary drastically throughout the country, so you’ll need to take a look at your local options in order to get a good idea of what you should be paying. To help you find a good private health insurance plan that fits your needs, the government offers a comprehensive database of your options. Medicaid Finally, if you qualify, then your best choice is to apply for Medicaid. If your family makes under a certain amount of money, then you can get health insurance at a greatly reduced rate. Even if your family is above the poverty line, there is still a chance that you qualify. If you tried to apply for Medicaid several years ago and were denied, you should apply again. Under the Affordable Care Act, Medicaid was expanded, which means that you might qualify...

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