Life events

Family

admin — Wed, 27 Feb 2019 06:45:23 +0000

Family admin Wed, 02/27/2019 - 01:45

Boat safety

SIL6504 — Thu, 28 Jun 2018 18:57:44 +0000

Boat safety SIL6504 Thu, 06/28/2018 - 14:57

Do you consider your boat a second home in warm weather? We thought so. We can help you make sure you're staying safe on the water.

Keep yourself, your passengers (and let's face it, your beautiful boat) protected by getting in a few good habits.

Safety instruction. Take a boating safety course and insist that anyone driving your boat do the same, even if it's not required by law in your state.
Wear a life jacket. Make sure you have enough jackets on board for every passenger. If you're going to have children on your boat, be sure to have the right size jackets for them.
Follow safety guidelines. Your boat can hold a certain number of passengers and total weight - these numbers are set for a reason, so don't ignore them.

We see what happens when a fun day of boating turns into an insurance claim. Take precaution to avoid a ruined day on the water.

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

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.

How a new job impacts home and auto insurance

SIL6504 — Fri, 15 Jun 2018 18:58:51 +0000

How a new job impacts home and auto insurance SIL6504 Fri, 06/15/2018 - 14:58

A new job can be an exciting new start. It can also mean some lifestyle changes. Many jobs today are implementing policies that include flexible hours, working from home and an increase in travel opportunities.

Here are some considerations to talk about with your insurance agent when you are starting a new job.

For your car insurance:

If you will be using your private vehicle for business purposes, check with your employer and your agent to make sure you have adequate liability coverage in case of an accident.
If the number of miles you commute changes, check with your independent agent. You may be able to save some money on your policy.
If you're renting a car for business purposes, your employer may already have an insurance policy in place. But, your personal coverage might also be needed to pay for damage in some cases.
If you now take public transportation and only use your car for pleasure trips then, your rates may be lowered so check with your independent agent.

For home insurance:

If you have office equipment in the house, such as a laptop or printer, talk to your agent to make sure it's covered on your homeowner insurance policy.
If you're now self-employed, doing out-sourced work or consulting, you may need to purchase professional liability coverage.
If clients come to your home, you may need to purchase a home business or a small businessowners policy.

Let your independent agent know if you have any other questions or concerns about your job transition.