WOW! According to a survey conducted by MetLife, 31% of Americans don’t know how much their home insurance coverage is, according to an Insurance Literacy survey. Many don’t know the difference between replacement cost and market value. Most believe their policy will pay “full cost” to rebuild their home after a major loss, and they don’t understand how the deductible applies.
More than half stated that they would rather pay more than not be covered for a loss. The BEST VALUE is to select coverage that meets your needs, instead of just seeking the lowest price. Your Trusted Choice agent can help you get value for the money you pay.
Did you know - you have options available to protect the data and programs on your mobile devices?
Did you know – your college kids living on campus may be covered under your current home policy?
Did you know – earth movement and earthquake is not typically covered under a home policy and may require an endorsement or a separate policy?
Did you know – water or sewer backup into your home is typically not covered without adding an endorsement?
Did you know – there are limitations on your home policy for jewelry and collectibles?
Your Trusted Choice agent will spend time with you and explain what your policy really covers. Insurance is a complex contract and NOT something you can buy “in a box”, even though advertisers try to convince you to believe this.
If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://http//www.treutel.com , Angelyn at Treutel Insurance. You can reach us by email: info@treutel.com , phone:228-467-5662, fax:228-466-4314, FaceBook www.facebook.com/treutel.insurance , Twitter www.twitter.com/atreutel , or LiveChat: http://chat.livechime.com/treutel/blog , or on our new iPhone app http://itunes.apple.com/us/app/treutel-insurance-agency-your/id385707740?mt=8 !
We offer the following Lines of Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…
Insurance and useful information for the online consumer
Tuesday, August 24, 2010
Saturday, August 7, 2010
Lessons Learned from Hurricane Katrina
The Insurance Information Institute offers advice on how to be prepared for the next Katrina, as we commemorate the 5th anniversary of the death and devastation from that horrific storm. Certainly the hurricane was a major catastrophe, but almost as bad, many individuals and businesses suffered a second tragedy after the storm .... because they were not properly insured.
LESSONS LEARNED:
1) Be sure you have flood insurance.
2) Businesses need businesss interuption coverage.
3) Strengthen your property NOW with wind and flood mitigation upgrades and you will SAVE MONEY on your current home and business insurance (i.e.roof enhancements, windows and door protection, clear overhanging limbs and trees within 15 feet of your home, elevate low-lying structures and equipment, etc)
A great guide is located on the Mississippi Windstorm Underwriting website (www.msplans.com/MWUA) under the MWUA Retrofit Mitigation Guidelines link). Other excellent information is available at the Institute for Business and Home Safety website (http://www.disastersafety.org/) with downloads on Fortified structures.
4) Take a current inventory of your belongings for an easier claim process (i.e. use your camera or FLIP to take pictures or use free inventory software from III.
5) Have a disaster preparedness plan, so that you can quickly get "back into business".
6) Review your policies with your Trusted Choice Insurance Agent to ensure your property and content values are updated, so that you are not underinsured.
7) For your safety, follow the advice of the officials if you are told to evacuate. Some policies even offer a limited reimbursement program for mandatory evacuations. Check your policy.
If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://http//www.treutel.com , Angelyn at Treutel Insurance. You can reach us by email: info@treutel.com , phone:228-467-5662, fax:228-466-4314, FaceBook www.facebook.com/treutel.insurance, Twitter www.twitter.com/atreutel , or LiveChat: http://chat.livechime.com/treutel/blog.
We offer the following Lines of Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…
LESSONS LEARNED:
1) Be sure you have flood insurance.
2) Businesses need businesss interuption coverage.
3) Strengthen your property NOW with wind and flood mitigation upgrades and you will SAVE MONEY on your current home and business insurance (i.e.roof enhancements, windows and door protection, clear overhanging limbs and trees within 15 feet of your home, elevate low-lying structures and equipment, etc)
A great guide is located on the Mississippi Windstorm Underwriting website (www.msplans.com/MWUA) under the MWUA Retrofit Mitigation Guidelines link). Other excellent information is available at the Institute for Business and Home Safety website (http://www.disastersafety.org/) with downloads on Fortified structures.
4) Take a current inventory of your belongings for an easier claim process (i.e. use your camera or FLIP to take pictures or use free inventory software from III.
5) Have a disaster preparedness plan, so that you can quickly get "back into business".
6) Review your policies with your Trusted Choice Insurance Agent to ensure your property and content values are updated, so that you are not underinsured.
7) For your safety, follow the advice of the officials if you are told to evacuate. Some policies even offer a limited reimbursement program for mandatory evacuations. Check your policy.
If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://http//www.treutel.com , Angelyn at Treutel Insurance. You can reach us by email: info@treutel.com , phone:228-467-5662, fax:228-466-4314, FaceBook www.facebook.com/treutel.insurance, Twitter www.twitter.com/atreutel , or LiveChat: http://chat.livechime.com/treutel/blog.
We offer the following Lines of Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…
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