When it comes to buying insurance, you can purchase it online yourself through a well-known insurance carrier, a captive agent or you can buy it through a local insurance agency. When you buy it online yourself, you may find it can be more challenging to manage your insurance policy. When you have to call an 800 number to ask a question about your policy or make a claim, sometimes you may feel like you aren’t receiving a personal touch.
As a local insurance agency, we want to share the benefits of having a personal insurance agent when it comes to purchasing insurance.
Do you have a professional insurance agent you trust?
Just like having a doctor or dentist, we want to be a professional you can trust when it comes to buying insurance. Insurance can be tricky and difficult to understand. We are here to explain the differences in insurance coverage to ensure you have the right coverage for your specific needs.
Have a quick insurance question? Email or call your agent directly.
We love answering all your insurance questions. We get questions all the time from our customers.
- Do I need to buy rental car insurance for my upcoming vacation or will my personal auto insurance cover me?
- I am renting a U-haul, do I need to buy their coverage?
- Do I have any gaps in my insurance coverage?
- I just purchased a boat, does my homeowner’s insurance cover me or do I need additional insurance coverage?
- Should I purchase flood or earthquake insurance?
- Should I increase my limits on my umbrella insurance? I just purchased my first investment property.
- Should I have life insurance at my age? What are the benefits?
Questions like the ones listed above are easily answered from our agents! We are here to answer all your questions. With a simple email or call, you can get an answer from your insurance agent directly.
My insurance premium increased significantly and I haven’t turned in any claims. Help!
If you purchase insurance from a well-known insurance company directly, it may be hard to find a better rate at renewal without having to sacrifice insurance coverage. Luckily, local, independent insurance agents represent several companies instead of just one. If you find your insurance premium is too high for your budget, reach out to your agent at renewal. We can shop similar coverage with a different insurance carrier. You might be surprised to find several quotes to choose from!
If you don’t have a personal insurance agent, reach out to our agency. We’d love to review your current insurance coverage, answer your questions or simply be the personal, professional agent you need in your life. Our agency can help you with all your auto, home, business or life insurance needs.
What You Need to Know About Vacation Home Insurance
When it comes to insuring a vacation home, the insurance landscape can look slightly different from that of primary homes. While the risks are relatively similar, you’ll find that some added perils come with vacation homes. These risks vary with how you intend to use your second home.
If a vacation home is often left vacant for long periods, the chances of burglary, vandalism, and unnoticed damage may rise considerably. Moreover, the house’s location can expose it to further damages such as flooding, fires, or wind damage, which may not be attended to in due time considering the vacant status of the house. Insurance providers take all of this into consideration when determining your policy premium. You’ll likely be offered a comprehensive insurance policy in order to cover all risks adequately. Be sure to clarify whether you intend to keep the house vacant for extended periods or visit regularly. Vacant home insurance and vacation home insurance, while similar, are not the same.
Intentions of renting
If you’re considering renting your vacation home or allowing others to stay in it, your policy will look different. Aside from protecting your second home structure, it’s a good idea to ensure that you have enough personal liability coverage. An Umbrella insurance policy can cover any claims against you due to injury or damages that occurred on the property. Be sure to look into liability coverage, which covers any personal injuries sustained by someone while they’re on the property. This policy could also include medical payments coverage.
Moreover, rent-loss insurance could be a worthwhile investment considering that it covers any financial losses amassed during times when rent cannot be paid (damages, natural disasters, and much more.) It is also worth looking into a landlord policy, which can cover you for damages while even replacing lost income if the property is being rebuilt or repaired following a covered loss.
Do I really need to insure my vacation home?
While not strictly necessary, it’s highly recommended to get coverage for your secondary-home. Damages to a vacation home, whether first or second-party, can be financially crippling. Additionally, if your vacation home has a mortgage, your lender may require property insurance as a condition of borrowing.
How much will my insurance policy cost?
Depending on several factors such as the home’s age, condition, and location, the amount you’ll pay for a homeowners insurance policy can fluctuate. However, overall, expect to pay higher than with regular home insurance.
The best way to get more information on vacation home insurance is to ask a licensed agent in our office. We can assist you with assessing your insurance needs and provide you with some quotes from several of the top insurance companies.
Get A Quote For Your Insurance Today
Our licensed staff is ready to help you get multiple vacation home insurance quotes. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.
How to Cook Healthy Meals On A Road Trip
Did you purchase an RV this past year or have you found you enjoy taking road trips? With the COVID-19 pandemic, many people invested in an RV, travel trailer, or simply went camping more in order to safely travel & enjoy the beautiful outdoors. When you are taking a road trip, you do have to figure out how you plan to eat. Fast food and takeout from restaurants may be your first thought.
Have you ever considered that you can eat great home-cooked meals on the road that doesn’t require much cooking at all? Of course, you can always make a grocery store run & cook just as you would cook a meal at home. But, this might mean buying all of the little things like spices, oils, etc.
In this blog, we share how to eat healthy on the road without having to spend too much time cooking. Plus, you might find you can get away with packing less.
Our basic cooking essentials – do you own the following items?
- Portable Stove
- Small Gas Barbeque
- Pot, Pan or both
- Water jug container (for cooking and cleaning pots/pans)
- Soap/Sponge (for cleaning pots/pans)
- Utensils and Paper Plates
- Garbage Bag
- Propane Tank + an extra
- A good cooler (if you are on a long road trip, we love a cooler that can plug into your car!)
- Ice Packs or Ice Bag
Having the following items above is a great start. They don’t take up too much space and provide you with everything you need to cook, eat & clean up afterwards.
Next, how can I prepare a delicious, healthy meal with minimal cooking?
Batch cooking is simply preparing meals in your home before your trip. Choosing meals that freeze easily are key. Once you have cooked your meal at home, throw it into the freezer at least 24 hours before your trip. The day you are leaving for your trip, load it into your cooler frozen then layer on your ice packs to keep it cool. When it is time to cook, all you have to do is reheat it using your portable stove or barbeque.
Some great food suggestions –
- Frozen cooked burgers (turkey, beef, or chicken)
- Frozen Chili or other soup
- Meat sauce/vegetable sauce
- Frozen breakfast sausage links
- Taco meat
- Foil vegetables or entrees (prepare vegetables or entrees ahead of time & wrap in foil – simply place on your BBQ grill or unwrap and place into a pot or pan)
- Frozen pizza slices
How to re-heat your meal? Either place your frozen burger on your barbeque or add your entrée into a pan or pot to re-heat on your portable stove. Within 10 minutes or so, you’ll have a tasty meal!
Other meals that don’t require much cooking –
- Cold Sandwiches
- Hot Dogs
- Hard-Boiled Eggs
- Snack foods like rice cakes, chips, pretzels, trail mix
- Anything that requires boiled water such as oatmeal or noodles
- Prepared meals you enjoy eating cold (tuna salad, other cold salads, and entrees)
- Raw fruit and vegetables
We hope you found new tips that can help you eat healthy while traveling on the road. While we can’t prepare your meals for you, we can ensure you have the best coverage for your vehicle or RV. Whether you are shopping around for the best rate or are looking to purchase different RV coverage, we are here to help.