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How well do you know the ins and outs of your insurance policies? Maybe not as well as you think. Even the smallest of policies may have some hidden benefits that will come in handy during a major crisis. From yard damage caused by falling trees to power outages that spoil all of the food in your refrigerator, you may be covered somewhere in your insurance policies.
To learn more about a few of these not so well known coverages, check out MSN’s “7 Perks Hiding in Your Insurance Policy” and if you are interested in reviewing your current insurance policies, contact TMIB and we would be happy to assist you.
Valentine’s Day is almost upon us! If you are still looking for something fun to give your sweetheart, don’t worry, we have it covered! This year try a fun pairing of wine and chocolate to enjoy with your valentine.
The secret to finding the right combination is much more than white vs. red or dark vs. milk, it is more about the whole experience. Choose the type of chocolate or wine you both already enjoy, but focus on finding a wine that will elevate the chocolate. Usually a Port or Madeira will succeed as a perfect companion for chocolate since it not only “lifts the wine”, but will “refresh your palate” while enjoying your chocolaty treats.
For a full rundown of great wine and chocolate pairings, visit the NY Times and, as always, for any insurance questions be sure to contact your local broker at TMIB.
The next time you are in a minor accident, you may want to think twice about filing an insurance claim. The reality is that all accidents are not created equal and some smaller accidents may be better left unclaimed as claims can add up fast and even multiple small claims can prove to be costly.
So next time you have a fender-bender, consider your options and think about how a claim could alter your insurance premiums. If you have any questions regarding car accident claims or car insurance, be sure to contact your broker at TMIB.
1. If your home has been broken into, your first concern should be your own safety. Get out of the house and to a safe place as quickly as possible. Do not try to save any valuables.
2. Immediately call 911. Be sure to give them the most accurate and complete information available and tell them where they can find you once they arrive at your home.
3. If your windows were shattered or the door lock was broken, arrange for a window replacement company, locksmith or carpenter to repair the damages as soon as possible. Many of these companies offer 24 hour service. If you feel unsafe sleeping at home before the repairs are made, arrange to stay at a hotel or with family or friends.
4. Contact your insurance company/agent as soon as possible to report the burglary and file an insurance claim. Obtain a copy of the police report (when it becomes available). Use the list or video you made of your valuables to help you and the insurance company determine the cost of replacement or repairs.
5. Do not be afraid to reach out for support. Burglaries can be extremely traumatizing experiences.
To learn more about how your insurance policy protects you in the event of a burglary, please call TMIB at (310) 828-9662. Also, be sure to check out Part 1 of our burglary checklist “How to Prepare for the Chance of a Home Burglary” by visiting: www.tmib.com click on Blog.
Shattered glass, splintered door, ransacked home: a burglary can be one of the scariest experiences for a homeowner. After the initial terror of knowing someone might be in your home, you might start to panic about how to replace all of your stolen or damaged goods.
We at Tegner-Miller Insurance Brokers know that being the victim of a burglary is extremely stressful and devastating, so we have drafted the following checklist to help you protect yourself from a potential burglary.
1. Check all doors and windows to make sure that locks and seals are functioning.
2. If you are going on vacation or just out for the evening, leave a light on in your home to dissuade burglars looking for an empty house.
3. Discontinue newspaper delivery or ask a neighbor to retrieve the paper every day.
4. If you have an external mailbox – arrange for it to be held at your local post office or ask someone to gather your mail daily
5. Invest in a burglary alarm system. In particular, try to get a system that calls local law enforcement when a burglary is detected.
6. Invest in timers that can be set to turn your lights on and off at specified times.
7. Even if you don’t own a dog, a strategically placed “Beware of Dog” sign can dissuade potential thieves.
8. Make sure you understand what your homeowner’s insurance policy covers. For example, make sure you know whether your policy covers the replacement cost of stolen items or the actual value cost of the items. Speak to your broker at TMIB for more information.
9. Put together an inventory of all valuable items in your home. This is useful for all home insurance claims, including burglaries, water damage and fire. You can make either a list or video (or both) of important or valuable items in your home. This will make it easier for you and the insurance company to determine which items were stolen and how much those items will cost to replace. Be sure to save this list or video in more than one place in case your computer, camera or phone is stolen.
For more information about your burglary coverage, call your TMIB broker at (310) 828-9662. And be sure to check out PART 2 of our burglary checklist (which will be posted next week) it will include tips on how to cope with a burglary after it happens.