Two Holidays in the Same Week

February 14, 2015 at 9:00 AM | Posted in Auto, Holidays, Home, Insurance Policy, Personal Insurance | Leave a comment
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Valentine’s Day carries the tradition of showing loved ones how much they mean to us. On President’s Day, we remember all U.S. presidents past and present. It’s not often that we have two holidays in the same week like we do this year, and both of these holidays are popularly known for people making unique, and valuable, purchases; jewelry for Valentine’s Day and vehicles for President’s Day.

Whether you are giving or receiving, we want to help you make sure that your special, and expensive, gifts or purchases are adequately insured. Here are a few suggestions:

  • Jewelry – Jewelry can be a fun gift to pick out or receive, and may even end up being passed down in your family through generations. We want to help keep something of such monetary and sentimental value in your possession. Your Homeowner policy has limitations on the types of losses that are covered and on the amount of coverage provided for jewelry. Consider adding a rider to your policy such as a “Scheduled Personal Property Endorsement” or a “Blanket Endorsement.” Both of these endorsements provide coverage for all types of losses and they do not have a deductible. You can also purchase the right amount of coverage that you need for your jewelry by having an appraisal or receipt for each item.

 

  • Vehicles – Purchasing a car is not only an expense financially, but also physically; it takes time, consideration, and planning. One thing to consider when purchasing a car: as soon as you drive your brand new vehicle off of the dealer’s lot, its value starts to depreciate. If your vehicle happens to get totalled within the first few years of ownership, you could end up owing more on the loan than the vehicle is worth. To avoid out-of-pocket expenses to make up the difference, you should have GAP coverage added to your Auto insurance policy at the time you insure the vehicle. The cost for this coverage is usually not more than $50, and can prove to be a valuable decision.

After this week’s holidays, whether you acquire a new item of jewelry, start your week off driving a new car, or decide you would like to look into further insurance options for your possessions, we want to help you insure the safety and value of each. If you have any questions about the policies stated above, or your existing policies, please contact us at 888-850-9400.

Keep Your Vacation Worry Free:

July 23, 2014 at 9:00 AM | Posted in Home, Reminders | Leave a comment
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These final summer months whisk many people away from their homes on vacations or on day trips to enjoy the weather. This checklist will help you protect your home from potential theft or damage while you are away:

  • View your home as a burglar would. Identify the easiest points of entry, and implement diversions to make a break-in more difficult.
  • Look in to your home from your own windows, and move any valuable items out of plain view from a window.
  • Keep access to your home visible by trimming trees and shrubs away from doors and windows.
  • Mount exterior motion detector lights around your home and property.
  • Leave shades, curtains, and blinds in their usual position.
  • Discontinue deliveries, or arrange to have a friend or neighbor pick up newspapers and mail.
  • Use automatic timers to turn lights on and off in different areas of your home.
  • If you will be away for an extended period of time notify your local police department.
  • Never leave your house key hidden outside your home.
  • Unplug major appliances, televisions, and computers in case of a power surge.
  • Turn off the water valves to your washing machine and other water sources not being used while you are away.

Our summers are short ~ spend the time to safeguard your home so you can leave it, relax, and enjoy your vacation!

Tips to Protect Your Valentine Jewelry

February 19, 2014 at 9:27 AM | Posted in Home | Leave a comment
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If your valentine was sweet and bought you jewelry for Valentine’s Day, you will want to make sure you protect it.  Here are some tips to help you:

  • Get an appraisal – Make sure the person appraising it knows it is for insurance purposes so they don’t inflate it.
  • Update your home inventory to include the new jewelry and keep a copy of the receipt and appraisal in a safe, fire-proof spot.
  • Contact your insurance agent to make sure your jewelry is properly covered on your home insurance. There are many coverage options to fit your needs and your budget.
  • If you rent and don’t have a home policy, make sure you purchase renters insurance to cover your valuables.

No matter what the value of the jewelry you own, there is insurance coverage to provide protection from fire, theft, and even for items you’ve lost.  Protector Group can help you get the coverage that best fits your needs. Call us today!

Do you have Renters Insurance?

January 15, 2014 at 9:39 AM | Posted in Home, Insurance Policy, Personal Property, Renters | Leave a comment
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In our last blog post, we suggested ways to prevent frozen pipes and what to do if a pipe freezes.  If you own your home, most likely you have homeowners insurance to cover any damage due to a burst pipe, but what if you rent? Your landlord’s insurance policy will NOT cover your personal belongings.

The following are some coverages that are included in a renters policy that are not covered by your landlord’s insurance:

  • Coverage for your personal belongings, including emergency expense money to replace clothing, keys, and documentation such as licenses immediately after a covered loss.
  • Liability coverage for defense costs for any bodily injury suits brought against you or a household member.
  • Medical payments coverage for medical costs for any injury occurring on your rented premises.
  • Loss of use coverage in case you can’t live in the space you rent due to a large loss such as major water damage, fire etc.

Typically, as temperatures drop even lower in the months of January and February, we see a lot of weather related losses. Frozen pipes and ice dams are the most frequent and can cause thousands of dollars in damage. If you don’t have a renters policy in place, now would be the time to get one.  They cost so little and cover so much.

For more information contact Protector Group at 1-888-850-9400.

Special Valentine Gifts May Need Special Coverage

February 20, 2013 at 8:54 AM | Posted in Home, Insurance Policy, Personal Insurance, Personal Property, Specialty Policy | Leave a comment
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Was your Valentine good to you? If you received a gift of jewelry or maybe a marriage proposal, make sure you have adequate insurance in place.

  • Jewelry. Since there is limited coverage for jewelry on a standard home, condo, or tenant policy, you should schedule the item on your policy. Not only will you be insuring it for its full value, you will have coverage for mysterious disappearance and will eliminate any deductibles for a loss.
  • Weddings. No matter how carefully you plan a wedding, there are many things that are out of your control. Wedding insurance will help keep that special day a happy one, and protect against the possibility of unforeseen snags. For as little as $160 you can be covered for things such as no dress, lost deposits, severe weather, or ruined photos.

Call us at 888-850-9400 and we will help you get the coverage you need.

Take Inventory of Your Valuables

January 3, 2013 at 9:12 AM | Posted in Home, Insurance Policy, Personal Insurance, Personal Property | Leave a comment
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It is a fresh start to a New Year!

One resolution everyone should make, and keep, is to take an inventory of the items in your home after the hustle and bustle of the holidays. If you already have one, make sure you update it with any new items you may have purchased or received.

You can sign up for free inventory software from the Insurance Information Institute at www.knowyourstuff.org.

Don’t forget to advise us of any new items you may want to schedule on your homeowners, condo, or renters policy such as jewelry, golf clubs, musical instruments, etc…

Tenant Insurance – Protect Your Personal Property

September 26, 2012 at 9:42 AM | Posted in Home, Identity Theft, Insurance Policy, Personal Insurance, Personal Property, Renters, Specialty Policy | Leave a comment
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When you rent, as a tenant your personal possessions are your most valuable assets. Without Tenant’s Insurance your valuables are not covered for repairs or replacement in the event of a loss such as fire or theft. Most people don’t realize that a landlord’s insurance policy does not provide coverage for a tenant’s personal property.

For a minimal premium, a basic Tenant Insurance policy provides the following coverage:

  • Furniture, clothing, appliances, and many other personal items are covered on an actual cash value basis (at the depreciated value).
  • Personal property is covered while you are traveling.
  • Additional living expenses are covered when you have to temporarily relocate during repairs.
  • Necessary improvements to the rental unit may be covered.
  • Personal Liability Coverage provides protection for you and your family against bodily injury or property damage claims brought against you. The company will defend you against all liability suits, even when they are false or groundless.
  • Medical Payments to Others pays non-household members that are unintentionally injured by you, a family member, or a pet on your property.

For an additional premium, there is optional coverage you can add to your Tenant Insurance policy. These include, but are not limited to, the following endorsements:

  • Contents Replacement Cost – allows you to repair or replace most items with no reduction for depreciation.
  • Scheduled Items – provides broader coverage for special property such as jewelry, furs, silverware, fine arts, cameras, guns, and musical instruments, etc.
  • Identity Theft Coverage.
  • Earthquake Coverage.

After a loss, the task of starting over can be devastating. Remember to document your valuables, keeping receipts, photos, or videos in a safe and secure location. By purchasing Tenant Insurance, you can be sure that you are protected – before it’s too late.

Protect Your Classic and Antique Vehicles

June 20, 2012 at 9:14 AM | Posted in Auto, Insurance Policy, Personal Insurance | Leave a comment
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A classic or antique vehicle is more than just a weekend ride, it’s a long-term investment that will continue to appreciate in the future. If your special vehicle is only driven occasionally or for specific events, and is not used for transporting passengers or for business, you may want to consider a Collector Car Insurance Policy.

Why obtain a special policy for these vehicles instead of adding them to your standard auto policy?

  • You save money. The cost of adding these vehicles to your standard auto policy can cost up to 5 times more.
  • You only pay one blanket liability price no matter how many classic vehicles you have.
  • The companies that insure classic cars offer unique coverages that you can’t get on a standard auto policy, including: actual cash value, stated amount, or agreed value. Standard auto policies will only pay actual cash value (depreciated value) at the time of a loss.

Protector Group can insure all your vehicles are properly covered. Call us at 888-850-9400 for additional information.

Insurance Coverage for Private Events

May 2, 2012 at 9:04 AM | Posted in Event Planning, Insurance Policy, Personal Insurance, Personal Property | Leave a comment
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Do you have a special event coming up in your future such as a wedding, graduation party, birthday bash, or bar/bat mitzvah? Since the price tag for these celebrations has escalated over the years, purchasing Private Event Coverage will help protect your investment and ensure that you have proper coverage for the following items:

  • Liability.  Nearly all rented facilities require that you provide proof of liability coverage, and not all Homeowner policies cover outside events. This protects the sponsor(s) of the event if a guest is injured or causes damage to property.
  • Gifts, Special Attire, Jewelry, Rental Property.  Covers the cost of repairing or replacing such items if they are lost, stolen, or damaged.
  • Lost Deposits.  Provides reimbursement of deposits if a vendor goes out of business, declares bankruptcy before your event, or simply fails to show up.
  • Severe Weather.  If severe weather such as a hurricane forces you to postpone your event, this provides reimbursement for non-recoverable expenses.
  • Ruined Photos.  If your photographer’s film is defective or negatives are lost or damaged, this covers the cost to re-take new photos.
  • Call to Duty.  If the bride or groom is unexpectedly called up to active duty, or has her/his military service leave revoked forcing you to postpone the event, this coverage provides reimbursement for non-recoverable expenses.
  • Cancellation.  If your event is cancelled, this coverage pays up to the limit for non-refundable expenses.
  • Change of Heart (optional feature).  Recovers expenses if the bride or groom experiences cold feet during the planning process. Subject to limitations.

For less than $200 you can rest assured that unexpected problems don’t ruin your months of hard work. Contact us today at 888-850-9400 to obtain this valuable coverage.

Valentine Valuables

February 15, 2012 at 9:57 AM | Posted in Home, Personal Property | Leave a comment
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If Cupid brought jewelry or other valuable tokens of affection on Valentine’s Day, don’t forget to schedule them for better protection. By scheduling these items you will receive full replacement cost at the time of a loss regardless of the reason for the loss, with no deductible.

Contact your customer service representative at 1-888-850-9400 to get your valuables covered today.

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