Archive for the ‘Life’ Category

Think you don’t need Earthquake Coverage?

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Do you honestly believe that the government will rebuild your home for you for free simply because you are a tax payer?

Would you want to wait in line for federal disaster relief funds rather than spend a few extra dollars a year on insurance?

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Protect yourself from Identity Theft, the fastest growing crime in America…

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Serious matters bear repeating!

Identity Theft is the fastest growing crime in America. More than likely, if you haven’t already experienced credit card fraud yourself, you know someone who has. Fortunately most reputable credit card issuers have stepped up their fraud protection limiting the cardholder’s liability for fraudulent charges, however that in no way should dispel concerns about identity theft.

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Marine Preparedness Information

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Below are some tips for protecting your boat from possible damage in the sunken boat after a stormevent of a strong windstorm.

Depending on your location and situation, you may choose to:

1) Haul your vessel out of the water (normally the best option and most policies will help with haul-out costs if a warning is issued in your area),

2) Move it to a safer harbor away from the storm, or

3) Secure it in its berth in the marina.  If your best option available is to keep it in its berth, the following steps are advisable:  More

Texting and Driving is a HUGE problem

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Unless you’ve had your head in the sand over the past 4 or 5 years, you’re probably tired of hearing how dangerous texting and driving is. We’re all well aware that it has quickly become a leading cause of car accidents and auto-related fatalities. So? Smoking is a leading cause of lung cancer, we’ve known that for 30 years, yet people are still smoking. Sure you say you’re all about safe driving and you claim that you don’t text and drive, but how truthful are you being to yourself? You’re still glancing at your phone now and then when you hear that little notification tone. Maybe you didn’t respond, but you still looked away from the road. Do you text with kids in the car? Let’s not even go there.

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Do you read your insurance policy?

Do you read your insurance policy? While we suggest to our customers that they read their policy, fact is most people don’t. When competing for a prospective new customer we answer questions and compare and contrast different policies, however it’s nearly impossible to address every detail of the policy within the short window of opportunity we have with our prospect. An insurance policy is about as entertaining a read as the back of a shampoo bottle, so it’s not surprising that very few people read them. If you’re dead set against reading the policy, we suggest that you at least review the exclusions. Eliminated surprises. It’s far better to have exclusion related questions addressed now than at the time of a loss.

One state has gone so far as to legislate law requiring that an insured is charged with the knowledge of the terms of the policy upon which he/she relies on for protection. – See Atlas Roofing Mfg. Co. vs. Robinson & Julienne, Inc. (Miss. 1973) – Under Mississippi Law, the “knowledge of an insurance policy is imputed to an insured regardless of whether they read the policy” Oaks vs. Sellers (Miss 2007).

Interested in On-Line Insurance Quotes? Be carefull!

The Internet is loaded with various web sites where you can request free insurance quotes. Almost any time you use a search engine to look for anything you’re likely to see an advertisement or a sponsored link from a company offering the lowest rate for car insurance, life insurance, home insurance, etc. Unfortunately filling out one of these on-line quote forms may result in nothing more than a big headache for you.

Before you start inputting all of your personal information into some website claiming to find you the lowest priced auto insurance, do some homework on the site itself. Find out what they do with your information. Who do they sell it to and what lists will you be added to.

These quote sites aren’t the only sites out there gathering information to sell to others. The last time you made an on-line purchase were you prompted to complete a survey to save an additional 10%? On-line surveys are another popular means of collecting private data to be sold to solicitors or other businesses trying to sell you. On-line surveys also require careful decision making before you proceed. Once again, try to find out what is done with your information. If you don’t you can expect your phone to start ringing and your inbox to fill up with spam.

If you’re genuinely interested in an insurance quote request it from an independent insurance agent like Fitts Insurance. Most agencies now have on-line quote request forms. When you submit your request through our website you can rest assured that your information won’t be sold to someone else and you can expect to get a competitive quote for your insurance as well.

Looking for insurance quotes? Give us a try!

Auto Insurance: http://tinyurl.com/28lwp7h

Homeowners Insurance: http://tinyurl.com/2fk76q4

Marine Insurance: http://tinyurl.com/ybpp27g