Bill Quickel's - Insurance Plus Agencies Inc. Blog
Every parent worries about his or her child hitting the road. There’s good reason to do so. Distracted driving is something more teens than ever have to manage. Though there’s always been the risk of someone not paying attention, accidents happen more frequently now than before. What can you do to help your child? Aside from having quality auto insurance, there are several things you can do.
A shed is a secondary storage facility on your property. It may be something you use quite a bit or just a few times a year. However, if this is a structure on your property with valuables within, consider insuring it. Your home insurance policy can cover it. However, you need to let your insurer know about the shed along with the value of the contents within it. Here is what to take into consideration.
Someone comes to your home to enjoy a meal and some good friendship. You share a few drinks. That person leaves gets behind the wheel of the car and causes damage to another person’s property as a result of the alcohol. Intoxication like this can be deadly. In some cases, you, as the person providing those drinks, may be at some level responsible for the losses. Here is what you need to know before you hold your next party with alcohol. Take a closer look.
Perhaps you backed into another car. You may have had a tree branch fall on the vehicle. Or, a large accident happened, and you are waiting for help from the police. In any of these situations, you need to do your best to document what is happening and why. It can play a big role in determining what happens to your claim and coverage. How do you handle a car accident? Here is what you need to know.
How much liability insurance do you need? The amount depends on many factors. One of those factors may involve the size of your car or vehicle. When you talk to your auto insurance provider, ask questions about accidents. Find out what recommendations they make for vehicles of your size. Many times, having more than the state required minimum makes sense. Here’s what you need to consider about your coverage.
The garage on many homes is the area you put things that you do not have any other use for at the moment. It is where you store things like gas for the lawnmower and extra paint from a project. Yet, it is also one of the highest risk areas in your home for fires. These fires can be devastating. Yet, most homeowners have no idea what steps to take to minimize these types of risks. What steps can you take?
It’s important to read all of the details in your car insurance policy as soon as you receive it. One key area to look at is who has coverage on your policy. Also, notice any excluded driver. This is a person who should not be behind the wheel of your car. If they are there, your auto insurance may not apply. Here’s what you need to know about the excluded driver.
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Buying a home is a big risk. Even if you love the home, you never know what happened there. A home inspection can give you some insight into the condition of the home on a more thorough level. From a home insurance point-of-view, that’s important. It can help you, and your insurance agent, know the home is safe. A home inspection is always a good investment. How can it pinpoint insurance-related problems?
Many small business owners wonder when they should review their insurance coverage. The truth is that if it has been a while since you’ve reviewed your business insurance, it might be time to make changes. A review is a great opportunity to determine whether your policy meets your current needs. It might help you decide if your level of coverage requires an adjustment. Here are a few times when scheduling a review with your agent is important.