Insurance Agency http://www.insuranceagency.com We never want to see a claim go bad. Sun, 18 Dec 2011 18:29:35 +0000 en hourly 1 http://wordpress.org/?v=3.2.1 Why do I need to fill out an application? http://www.insuranceagency.com/why-do-i-need-to-fill-out-an-application/?utm_source=rss&utm_medium=rss&utm_campaign=why-do-i-need-to-fill-out-an-application http://www.insuranceagency.com/why-do-i-need-to-fill-out-an-application/#comments Wed, 18 May 2011 08:17:54 +0000 DDRight http://insuranceagency.com/?p=362 Answer here

]]> http://www.insuranceagency.com/why-do-i-need-to-fill-out-an-application/feed/ 0 When my stove breaks down why it isn’t covered by insurance? http://www.insuranceagency.com/when-my-stove-breaks-down-why-it-isn%e2%80%99t-covered-by-insurance/?utm_source=rss&utm_medium=rss&utm_campaign=when-my-stove-breaks-down-why-it-isn%25e2%2580%2599t-covered-by-insurance http://www.insuranceagency.com/when-my-stove-breaks-down-why-it-isn%e2%80%99t-covered-by-insurance/#comments Tue, 08 Mar 2011 09:01:43 +0000 DDRight http://testsite03.com.s82935.gridserver.com/?p=165 Read More »]]> Insurance is not a warranty. Many people are under the impression that insurance covers everything, but this is a common misconception. If appliances do not last as long as they should, this is a reliability issue that the manufacturer must stand behind. However, if you have a fire in your kitchen and your stove is destroyed as a result, this would be a claim coverable by insurance.

Would you like to know more?

]]> http://www.insuranceagency.com/when-my-stove-breaks-down-why-it-isn%e2%80%99t-covered-by-insurance/feed/ 0 What happens if a tree falls on my house? http://www.insuranceagency.com/what-happens-if-a-tree-falls-on-my-house/?utm_source=rss&utm_medium=rss&utm_campaign=what-happens-if-a-tree-falls-on-my-house http://www.insuranceagency.com/what-happens-if-a-tree-falls-on-my-house/#comments Tue, 08 Mar 2011 09:01:17 +0000 DDRight http://testsite03.com.s82935.gridserver.com/?p=163 The damage to the house is covered, but the tree removal is only covered up to the limit on your policy. If the tree does not hit your house, another structure, or blocks your driveway–it is not covered.

]]> http://www.insuranceagency.com/what-happens-if-a-tree-falls-on-my-house/feed/ 0 Why do you need my Social Security Number when getting insurance quotes? http://www.insuranceagency.com/why-do-you-need-my-social-security-number-when-getting-insurance-quotes/?utm_source=rss&utm_medium=rss&utm_campaign=why-do-you-need-my-social-security-number-when-getting-insurance-quotes http://www.insuranceagency.com/why-do-you-need-my-social-security-number-when-getting-insurance-quotes/#comments Tue, 08 Mar 2011 09:00:50 +0000 DDRight http://testsite03.com.s82935.gridserver.com/?p=161 Read More »]]> It is needed to run a report to get quotes. Almost all insurance companies run a pre-qualifying report to determine you insurance premium. They need your social security number to run this report and obtain the best pricing possible. This information is secure and is never shared with third parties.

]]> http://www.insuranceagency.com/why-do-you-need-my-social-security-number-when-getting-insurance-quotes/feed/ 0 How is a deductible applied to my loss payment? http://www.insuranceagency.com/how-is-a-deductible-applied-to-my-loss-payment/?utm_source=rss&utm_medium=rss&utm_campaign=how-is-a-deductible-applied-to-my-loss-payment http://www.insuranceagency.com/how-is-a-deductible-applied-to-my-loss-payment/#comments Tue, 08 Mar 2011 09:00:09 +0000 DDRight http://testsite03.com.s82935.gridserver.com/?p=159 Read More »]]> If you have a loss that a deductible applies, it is deducted at the time of the loss payment. For example, if you have a covered loss of $2,500 and your deductible is $500, the payment to you would be $2,000.

]]> http://www.insuranceagency.com/how-is-a-deductible-applied-to-my-loss-payment/feed/ 0 What Liability limits should I have on my homeowners policy? http://www.insuranceagency.com/what-liability-limits-should-i-have-on-my-homeowners-policy/?utm_source=rss&utm_medium=rss&utm_campaign=what-liability-limits-should-i-have-on-my-homeowners-policy http://www.insuranceagency.com/what-liability-limits-should-i-have-on-my-homeowners-policy/#comments Tue, 08 Mar 2011 08:53:02 +0000 DDRight http://testsite03.com.s82935.gridserver.com/?p=157 The amount of personal liability limits you choose depends upon your individual needs. First review your assets, your home, cars, personal belongings and your investments. Ask yourself how much you have to lose in the event of a lawsuit.

]]> http://www.insuranceagency.com/what-liability-limits-should-i-have-on-my-homeowners-policy/feed/ 0 Does my home insurance cover flood? http://www.insuranceagency.com/does-my-home-insurance-cover-flood/?utm_source=rss&utm_medium=rss&utm_campaign=does-my-home-insurance-cover-flood http://www.insuranceagency.com/does-my-home-insurance-cover-flood/#comments Tue, 08 Mar 2011 08:52:29 +0000 DDRight http://testsite03.com.s82935.gridserver.com/?p=155 Your homeowners policy will not cover flood. This is covered under an additional policy, available at InsuranceAgency.com

]]> http://www.insuranceagency.com/does-my-home-insurance-cover-flood/feed/ 0 What is the difference between Replacement Cost and Market value? http://www.insuranceagency.com/what-is-the-difference-between-replacement-cost-and-market-value/?utm_source=rss&utm_medium=rss&utm_campaign=what-is-the-difference-between-replacement-cost-and-market-value http://www.insuranceagency.com/what-is-the-difference-between-replacement-cost-and-market-value/#comments Tue, 08 Mar 2011 08:52:04 +0000 DDRight http://testsite03.com.s82935.gridserver.com/?p=153 Read More »]]> The “replacement cost” is the price to repair or rebuild your home at the current cost for labor and materials. “Market value,” on the other hand, is what you could sell your home for. This includes external factors such as the current housing market, the local school district and the popularity of the neighborhood.

]]> http://www.insuranceagency.com/what-is-the-difference-between-replacement-cost-and-market-value/feed/ 0 Why Should I have an insurance agent when I buy Insurance? http://www.insuranceagency.com/why-should-i-have-an-insurance-agent-when-i-buy-insurance/?utm_source=rss&utm_medium=rss&utm_campaign=why-should-i-have-an-insurance-agent-when-i-buy-insurance http://www.insuranceagency.com/why-should-i-have-an-insurance-agent-when-i-buy-insurance/#comments Tue, 08 Mar 2011 08:50:34 +0000 DDRight http://testsite03.com.s82935.gridserver.com/?p=150 Read More »]]> While InsuranceAgency.com offers plenty of information regarding auto insurance, homeowners
insurance and other policies, we also know there’s more to finding good coverage than a questionnaire
and a insurance quote generator. In order to protect what’s important to you, a good policy has to be
there when you need it—and that means asking the right questions. That’s why it’s a good idea to go a
step beyond the automation and talk directly with a licensed agent.

An agent can help gather the information to answer coverage-specific questions like: “What should
the coverage limit on my home be under my homeowners policy?” At the same time, an agent can also
help determine the right coverages based on lifestyle and individual needs and find the best way for
your policies to fit together, answering questions like: “Should I have personal umbrella coverage?”
or “Do I need a valuable articles policy?”

An agent is trained to ask the questions you haven’t thought of regarding your coverage. A good agent
will explain exactly what a policy covers and the limitations of that coverage.

Agents are here to build a policy that’s right for you. Their business is your piece of mind, and their
expertise can help you through the more difficult insurance questions you’ve got.

• An agent will tell you the lowest price is not the most important thing all the time.

• An agent will tell you how to get coverage on things you may not have thought to cover.

• Agents are held accountable for coverage we recommend; that’s why we’re licensed in each
state.

That last part is the most important point. When you talk to an agent, you get insight on coverages that
best suit your needs. From home to auto to valuable articles, your investments are best protected when
you speak with an agent.

]]> http://www.insuranceagency.com/why-should-i-have-an-insurance-agent-when-i-buy-insurance/feed/ 0 When buying a home, how do I determine the amount of coverage in my homeowners insurance policy? http://www.insuranceagency.com/when-buying-a-home-how-do-i-determine-the-amount-of-coverage-in-my-homeowners-insurance-policy/?utm_source=rss&utm_medium=rss&utm_campaign=when-buying-a-home-how-do-i-determine-the-amount-of-coverage-in-my-homeowners-insurance-policy http://www.insuranceagency.com/when-buying-a-home-how-do-i-determine-the-amount-of-coverage-in-my-homeowners-insurance-policy/#comments Tue, 08 Mar 2011 08:48:18 +0000 DDRight http://testsite03.com.s82935.gridserver.com/?p=148 At InsuranceAgency.com, we run a home assessment report that will give us the proper amount under which to insure your home.

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