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Planning a game day party

SIL6504 — Thu, 28 Jun 2018 19:18:46 +0000

Planning a game day party SIL6504 Thu, 06/28/2018 - 15:18

Planning a game day party? Responsible hosts can win big by planning ahead. If you're getting ready to host a game day party, follow these tips from Trusted Choice to keep you and your guests safe.

Having friends over to watch the big game? Here's how to have a safe game day party. Tweet It

What is condo loss assessment?

SIL6504 — Thu, 28 Jun 2018 19:13:04 +0000

What is condo loss assessment? SIL6504 Thu, 06/28/2018 - 15:13

One of the unique issues with insuring your condo is loss assessments. Sometimes condo owners are assessed by their condo association if there is damage to common property, or if someone is injured on the premises. Common scenarios include:

Condo complex suffers a catastrophic loss and doesn't have enough insurance to cover the damage; example, from a major rain or windstorm.
Association bought less insurance than the amount it is sued for by an injured guest; example, in a swimming pool accident.
Damage to the complex caused by something not covered under the association's insurance.
Association's policy has a high deductible, and condo unit owners are assessed to help pay for it.

These are just some of the reasons why our loss assessment coverage in our Condominium policy is so important. You can receive up to $50,000 additional in case of a loss assessment by your condominium association. Be protected with loss assessment coverage.

Is your insurance ready for college?

SIL6504 — Wed, 27 Jun 2018 16:51:49 +0000

Is your insurance ready for college? SIL6504 Wed, 06/27/2018 - 12:51

Identity Theft Protection program

SIL6504 — Wed, 27 Jun 2018 16:41:45 +0000

Identity Theft Protection program SIL6504 Wed, 06/27/2018 - 12:41

You are a target for identity theft. And once your identity has been stolen, it's hard to get it back in order. From prevention to restoration, our Identity Theft Protection Program has you covered.

Provided free of charge to all State Auto home, condo, renter and farm customers:

Identity Fraud Expense
Pays for expenses you incur as a result of identity theft - up to $15,000
Identity Theft Recovery Services
Guides you through the process of restoring your identity or means of personal identification if your identity is lost due to identity theft or a natural disaster.
Identity Theft Education and Prevention Assistance
Provides access to trained fraud specialists who will answer your questions about identity theft and prevention. They also can assist you with making changes in personal information.

Put your mind at ease by contacting us about identity theft protection today at 833-SAHelps (833.724.3577).

What marriage means for your insurance

SIL6504 — Fri, 15 Jun 2018 19:01:38 +0000

What marriage means for your insurance SIL6504 Fri, 06/15/2018 - 15:01

Insurance is often not on the list of things to consider when people get married. There's a lot to do when you're planning a wedding, and you're excited to officially join forces as a couple. As the big day approaches, it can be easy to forget that you're not just planning a wedding, you're planning a life together. And making sure you have the right insurance protection in place is vital to your future.

When it comes to insurance, here are some things to consider when you're getting married:

Which person has the best insurance coverage? Assuming you both had an auto policy and either a home or renters policy already; you can compare both and decide where to place your combined insurance policies. Your independent agent can help you do this (one less thing to worry about).
How is your sweetheart's driving record? Credit score? These are important conversations to have as you plan your financial future. You may have a perfect record, but if your future spouse has multiple accidents, you may be affected by his or her record now, too.
Many couples getting married have already purchased a home together.

Filing a homeowners insurance claim

SIL6504 — Fri, 15 Jun 2018 18:50:35 +0000

Filing a homeowners insurance claim SIL6504 Fri, 06/15/2018 - 14:50

If you need to file a homeowners insurance claim, the first step is usually to call your insurance agent or company immediately. (We say "usually," because in cases of injury, of course, the first step may be to call 911.) Here are a few steps you can take to begin the home insurance claim process.

Call promptly and ask questions.

A great benefit of working with an independent insurance agent to purchase insurance - when you have a claim, they'll work on your behalf. Your agent should walk you through the claim process, including what you should do next and what information you'll need. You might also ask, Am I covered? How much is my deductible? How long will it take until my claim is processed? Should I get estimates for repairs or structural damage?

Call the police

If you are a victim of burglary or vandalism then report it to the police. If you have any witnesses or other information make note of this and inform the police.

Make temporary repairs

Take steps to protect your home from any further damage. For example, if there is a minor flood mop the water to prevent a mold infestation. If you save the receipts for what you spend then you can submit them to your insurance company for review. You may be reimbursed if coverage applies.

Get claims forms

Your company will send you claim forms to complete. In order to keeps the process rolling, send these back as soon as possible.

Make a list of lost or damaged items

Be ready to prove your loss. Hopefully you have a home inventory and can easily mark off all the items that were lost or damaged. Provide receipts if available. Keep a copy of this inventory. Also, don't throw away damaged items until the adjuster has visited your home. You should also take photos or videos of the damage.

Keep your receipts if you need to relocate

If the conditions of your home are not livable and you need to relocate while your home is being repaired, keep the receipts and records for all expenses. Most homeowner policies provide coverage for the "loss of use" of your home.

Have an adjuster inspect your home

If the insurance company wants to send an adjuster to assess the damage of your home, welcome it. This is how the insurance company is able to determine what needs to be done. They will inspect the damage done to your home cosmetically and structurally, and they will look at personal items that were damaged.

Make sure that you also read over your insurance policy to see what other responsibilities you may encounter. In most cases you will be reimbursed and sent payment promptly. If you have any questions, or concerns, please contact us or your independent agent for more information.

Lawnmower safety tips

SIL6504 — Fri, 15 Jun 2018 18:46:12 +0000

Lawnmower safety tips SIL6504 Fri, 06/15/2018 - 14:46

Here are some tips to follow before and while mowing your lawn:

Become familiar with your mower
Read the owner's manual before using for the first time, and learn how the controls work so you can stop the machine quickly in case of emergency.
Proper clothing is essential
Always wear non-slip shoes, not tennis shoes or sandals; steel toe footwear offers the best protection. Long pants help protect your legs from objects that may be thrown from under the mower. Use earplugs to prevent hearing loss.
Never leave a mower running unattended
A mower can be fascinating to a child; if the mower has an electric start, never leave the key in the ignition if unattended.
Beware the blade
The mower blade must be sharp and travel at a high speed. If a hand or foot gets under the mower while the engine is running, it can cause serious injury. NEVER attempt to unclog or work on a lawnmower while the engine is on.

Lawnmowers are valuable, highly functional but potentially hazardous machines. Treat them with respect, and make sure those around you - especially children - are protected.