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Helpful
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Insurance Tips |
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Insurance
Tip #1: Credit-Based Insurance Score Information
What is an Insurance
Score?
An Insurance Score is based on credit history and helps predict the
potential for future losses.
An Insurance Score
includes:
*Payment history
*Bankruptcy, foreclosures and collection activity
*Length of credit history
*Amount of outstanding debt in relation to credit
limits
*Types of credit in use
*Number of new applications for credit.
Ten Tips to help you
improve your insurance score:
1. Pay your
bills on time.
2. Manage your outstanding balances.
3. Avoid excessive inquiries into your credit.
4. Limit the number of credit accounts.
5. Review your credit report regularly.
6. Avoid 'quick' credit fixes.
7. Manage your debt consolidation.
8. Limit the amount of new debt you take on.
9. Establish credit if you don't have a long history.
10. Work with your creditors.
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Insurance Tip #2:
Fire Safety
- Make certain there are
functioning smoke alarms on every floor of your home. Change
batteries and test the alarms twice a year.
- Make a home evacuation plan,
and be sure all members of the household are familiar with
it. Plan an outdoor meeting location away from the home so
everyone can be accounted for. Everyone should proceed to
that spot immediately in the event of a fire.
- Call the fire department
from a neighbor's home or a cell phone after you have gotten
out of the house.
- Do not re-enter the house
for any reason.
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Insurance
Tip #3: Precautions you can take to reduce your
exposure to identity fraud
1. Order a copy of your
credit report every 12 months.
2. Place passwords on your credit card, bank & phone accounts. Avoid
using obvious passwords like your mother's maiden name or pet's name.
3. Secure personal information in your home where it is inaccessible to
roommates and others (such as workers) coming into your home.
4. Ask how your personal information is disposed of at your doctor's
office, bank, etc. and find out if your information is shared with
anyone else.
5. Don't give out personal information on the phone, through the mail,
or on the Internet unless you have initiated the contact or are sure you
know home you are dealing with.
6. Treat your mail and trash carefully. Deposit mail into post office
collection boxes at the post office rather than in an unsecured mailbox.
Retrieve mail promptly from your mailbox. Tear or shred any mail that
has personal information before disposing of it.
7. Don't carry your social security card with you. Leave it in a secure
location.
8. Give your social security number only when absolutely necessary.
9. Carry only identification and credit/debit cards you will need while
you're out.
10. Be cautious when responding to promotional offers.
To print a word document of these
Helpful Hints, click
here. |
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Quick Tips
Create a home inventory of personal belongings...
List items on a
room-by-room basis. Informational inventory brochures and logs are
available at our office. Please call and we will be happy to send one to
you.
Purchase the
Collision (or Loss) Damage Waiver when renting a vehicle...
In general, we recommend consumers purchase the Collision (or Loss)
Damage Waiver, at least for short-term rentals. Our reasons are
extensive, and if you have questions regarding this coverage, please
contact our office for more information.
Contact us
about the new car you're buying...
Please contact our office when purchasing a new vehicle. We must speak
with you before we can make any changes to your policy or give any
coverage information to the dealership. If the purchase is not made
during our business hours, simply call our office on the next business
day and we will take the information at that time.
*Please note: You have 15 days to
report a new vehicle.
Homeowner's policies don't cover floods...
In the simplest
terms, a flood is an excess of water on land that is normally dry, such
as an overflow of inland or tidal waters, unusual or rapid accumulation
or runoff of surface waters from any source or from mudflow.
Homeowner's insurance policies
DO NOT COVER FLOODS. You must purchase flood insurance separately. The
cost of flood insurance varies based on the flood zone you are located
in. There is normally a waiting period of 30 days for a flood policy to
go into effect. Please contact our agency for a quote. |
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