February 17th, 2012
Most homeowners know they need homeowners insurance, but few really know the ins and outs of their coverage. And it is important to know what is and is not included in your standard policy.
Did you know that most homeowners insurance policies include four types of coverage? It’s true. These coverages include:
Coverage for the structure of your home: If you home is damaged or destroyed by fire, hurricane, hail, lightning, or some other natural disaster (other than floods, earthquakes and a few other exclusions), your homeowners policy should cover the repairs.
Remember, it is important to have enough coverage to rebuild your home in the event of a major disaster.
Coverage for your personal belongings: Your homeowners policy will cover your personal belongings in the event they are stolen or destroyed by fire, hurricane, or other insured natural disaster. Personal belongings include furniture, clothes, sports equipment, and other assorted personal items.
Most companies provide coverage for 50% to 70% of the amount of insurance you have on the structure of your home. Ask your insurance agent how much personal item coverage your policy includes.
You should consider purchasing a special property endorsement, also known as a floater, to fully insure more expensive items like jewelry or furs.
Liability protection: This covers you against lawsuits for bodily injury or property damage that you, a family member, or your pets caused. The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit of your policy.
Additional living expenses: If you are unable to live in your home because of a natural disaster, additional living coverage pays for expenses such as hotel bills, restaurant meals, and other living expenses.
Remember, every insurance policy is different. To find out the full extent of YOU homeowners insurance policy, contact your insurance agent.
If you have any further questions about Homeowners Insurance Coverages, please contact the insurance experts at Barrick & Associates, Inc. to learn more. Call 1-800-548-9810 or click here today!
We offer quality protection and affordable pricing… click here for a free, real-time insurance quote.
Whether you’re looking for business insurance or auto, home, life, or health insurance in Hanover, PA, our qualified and knowledgeable staff will help you find the right policy to best suit your needs. And we do much more than just help you purchase a policy. We also assist in submitting claims and customizing programs for your business. We specialize in providing customized insurance protection for Automobile Dealers, Auto Service Centers, Auto Body Shops, Contractors, Farms and Restaurants, as well as Personal insurance policies. And with all of our insurance services, Barrick and Associates offers a “Money Back Guarantee.”
We are the leading provider of insurance in Hanover, PA.
Check us out on Facebook and Twitter as well!
Sources:
What Coverage is Included in a Standard Homeowners Insurance Policy?
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Posted in Homeowners Insurance Hanover, Pennsylvania, Insurance Hanover, Pennsylvania, Insurance Solutions Hanover, Pennsylvania | No Comments »
February 10th, 2012
Did you know that the price you pay for auto insurance can vary by hundreds of dollars, based on several key factors? It’s true! Here are a few tips on how to save money on your auto insurance policy.
Compare Cars: Auto insurance premiums are based on a car’s price, the average cost of repairs, a car’s overall safety record, and the likelihood of theft. So, before you buy your next car, do your research. You can get information from the Insurance Institute for Highway Safety (www.iihs.org).
Increase Deductibles: A deductible is what you pay, out of pocket, before your insurance policy goes into effect. By raising your deductibles a few hundred dollars, you can lower your collision and comprehensive coverage by as much as 30%. But be sure you have enough money set aside to cover your higher deductible.
Less Coverage = More Savings: For older cars, it may not be worth purchasing collision and/or comprehensive coverages. The basic rule of thumb is that if your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective.
Bundle Coverages: You can typically save money by purchasing your homeowners insurance and auto coverage from the same insurance agency. Ask your insurance agent if this makes sense for you.
Look into Other Discounts: Many insurers offer specialty discounts. These may include:
• Antitheft Devices
• Auto and Homeowners Coverage with the Same Company
• College Students away from Home
• Defensive Driving Courses
• Drivers Ed Courses
• Good Credit Record
• Good Student
• Higher deductibles
• Low Annual Mileage
• Long-Time Customer
• More than 1 car
• No Accidents in 3 Years
• No Moving Violations in 3 Years
• Student Drivers with Good Grades
Contact your insurance provider and ask if they have any of the above discounts and if you qualify.
If you have any further questions about auto insurance claims, please contact the insurance experts at Barrick & Associates, Inc. to learn more. Call 1-800-548-9810 or click here today!
We offer quality protection and affordable pricing… click here for a free, real-time insurance quote.
Whether you’re looking for business insurance or auto, home, life, or health insurance in Hanover, PA, our qualified and knowledgeable staff will help you find the right policy to best suit your needs. And we do much more than just help you purchase a policy. We also assist in submitting claims and customizing programs for your business. We specialize in providing customized insurance protection for Automobile Dealers, Auto Service Centers, Auto Body Shops, Contractors, Farms and Restaurants, as well as Personal insurance policies. And with all of our insurance services, Barrick and Associates offers a “Money Back Guarantee.”
We are the leading provider of insurance in Hanover, PA.
Check us out on Facebook and Twitter as well!
Sources:
How Can I Save Money on Auto Insurance? Insurance Information Institute
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Posted in Auto Insurance Premiums, Car Insurance Hanover, Pennsylvania, Commercial Auto Insurance Hanover, Pennsylvania | No Comments »
February 3rd, 2012
So you tediously looked at every insurance company out there, you did your research, and you selected an auto insurance policy that fit both your needs and your budget. Now you can go on living your life. The last thing on your mind is auto insurance.
Then, disaster strikes! You are in an accident. What now?
Filing an Auto Insurance Claim
- Don’t Panic
- Call your insurance agent as soon as possible and ask that all-important question: “Am I covered?”
- Ask your insurance representative about how to proceed. What forms need to be filled out? What documents are needed to support your claim?
- Fill out the claim form as carefully as possible and provide your agent with any other information they request.
- Get the names and phone numbers of everyone you speak with and copies of any bills related to the accident.
- Follow up with your agent to make sure everything is on track.
Other Important Questions to Ask Your Agent
• Does my policy contain a time limit for filing claims and submitting bills?
• Is there a time limit for resolving claims disputes?
•If I need to submit additional information, is there a time limit?
• When can I expect the insurance company to contact me?
•Do I need to get repair estimates for the damage to my car?
• Will my policy pay for a rental car while my car is being repaired? If so, how much?
If you have any further questions about auto insurance claims, please contact the insurance experts at Barrick & Associates, Inc. to learn more. Call 1-800-548-9810 or click here today!
We offer quality protection and affordable pricing… click here for a free, real-time insurance quote.
Whether you’re looking for business insurance or auto, home, life, or health insurance in Hanover, PA, our qualified and knowledgeable staff will help you find the right policy to best suit your needs. And we do much more than just help you purchase a policy. We also assist in submitting claims and customizing programs for your business. We specialize in providing customized insurance protection for Automobile Dealers, Auto Service Centers, Auto Body Shops, Contractors, Farms and Restaurants, as well as Personal insurance policies. And with all of our insurance services, Barrick and Associates offers a “Money Back Guarantee.”
We are the leading provider of insurance in Hanover, PA.
Check us out on Facebook and Twitter as well!
Sources:
How Do I File a Claim?
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January 27th, 2012
Purchasing a homeowners insurance policy is step 1. Step 2 is making the most out of that policy. And how can you do that? Well, the easiest and perhaps most effective way to accomplish this is to create a home inventory of all of your personal possessions.
A home inventory is simply a list of your possessions, including information about their value. This is an extremely helpful tool in the even of a home flood, fire, or other disaster in which your belongings are lost or severally damaged. You can compile your home inventory one of two ways.
- Low Tech: Grab a pen and a piece of paper and jot down every important, valuable possession in your home.
- High Tech: Grab your smart phone and sign up for Know Your Stuff® – Home Inventory, the Insurance Information Institute’s Web-based inventory software, which now includes an exciting new app for iPhone.
No matter which way you choose to go about creating and maintaining a home inventory, be sure to update your list immediately after any major purchase. An up-to-date home inventory will benefit you in the following ways:
Purchase the Right Amount of Insurance:
Knowing exactly what you need to insure will allow you to better communicate your needs to your insurance agent and ensures that you are completely covered.
Make Filing a Claim Easier: Trying to list all of your damaged or missing items on a claim form can be down right impossible. You are bound to miss something. Having an up-to-date home inventory simplifies the claims process.Substantiating Financial Losses:
Following a fire, flood, tornado, or other disaster, the only way to determine whether you may qualify for a tax break or disaster assistance is to substantiate your financial losses. An up-to-date home inventory can be extremely helpful in this situation.So don’t wait until after disaster strikes to think about creating a home inventory; get to work now and make sure you are better protected in the future!
So don’t wait until after disaster strikes to think about creating a home inventory; get to work now and make sure you are better protected in the future!
Whether you’re looking for business insurance or auto, home, life, or health insurance in Hanover, PA, our qualified and knowledgeable staff will help you find the right policy to best suit your needs. And we do much more than just help you purchase a policy. We also assist in submitting claims and customizing programs for your business. We specialize in providing customized insurance protection for Automobile Dealers, Auto Service Centers, Auto Body Shops, Contractors, Farms and Restaurants, as well as Personal insurance policies. And with all of our insurance services, Barrick and Associates offers a “Money Back Guarantee.”
We are the leading provider of insurance in Hanover, PA.
Check us out on Facebook and Twitter as well!
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January 20th, 2012
Auto insurance agencies take a lot of factors into consideration when determining your auto insurance premium. These factors may include, but are not limited to, the following:
Driving Record: It’s quite simple; the better your record, the lower your premium. Any accidents or traffic violations will likely increase your premium.
Miles: If you use your vehicle for work or drive it a long way to work, you will pay more. Basically, the more you use your car, the higher your premium.
Delivery: Also remember that delivery of things like pizza or newspapers are not covered under most personal auto’s policies.
Location, Location, Location: Where you live and where you park your car can have a huge affect on your insurance premium. Because of this, urban drivers often pay more for car insurance than those in small towns or rural areas.
Age: Studies have shown that mature drivers have fewer accidents. This is why young people below the age of 25 pay higher auto insurance premiums.
Car: Insurance agencies take many variables into consideration when it comes to the car you drive. These include:
- Likelihood of theft
- Cost of the car
- Cost of repairs
- Safety equipment
- Overall safety record of the car
- Engine sizes
Some cars simply cost more to insure than others.
Credit: Credit-based insurance scores are based on information like payment history, bankruptcies, collections, outstanding debt and length of credit history.
Auto Insurance Coverage: Obviously the type of auto insurance you buy will affect your premium.
If you have any questions about auto insurance premiums, please contact the insurance experts at Barrick & Associates, Inc. to find learn more. Call 1-800-548-9810 or click here today!
We offer quality protection and affordable pricing… click here for a free, real-time insurance quote.
Whether you’re looking for business insurance or auto, home, life, or health insurance in Hanover, PA, our qualified and knowledgeable staff will help you find the right policy to best suit your needs. And we do much more than just help you purchase a policy. We also assist in submitting claims and customizing programs for your business. We specialize in providing customized insurance protection for Automobile Dealers, Auto Service Centers, Auto Body Shops, Contractors, Farms and Restaurants, as well as Personal insurance policies. And with all of our insurance services, Barrick and Associates offers a “Money Back Guarantee.”
We are the leading provider of insurance in Hanover, PA.
Check us out on Facebook and Twitter as well!
Sources:
What Determines The Price Of My Auto Insurance Policy?
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Posted in Auto Insurance Premiums, Insurance Hanover, Pennsylvania, Insurance Solutions Hanover, Pennsylvania | No Comments »
January 13th, 2012
In 2011 alone, winter storms were the third most costly type of natural disaster, accounting for over $2 billion in insured losses. Only tornadoes ($25.8 billion) and tropical cyclones ($5.5 billion) were more costly. So you have to ask yourself the following question: Am I insured if my home is damaged during a winter storm?
To answer this question, we will go through the average homeowners policy on a case-by-case basis.
Direct Loss due to Hail, Wind, and Snow
A typical homeowners policy will provide broad coverage for these disasters. But check to make sure you are happy with the amount of coverage you are receiving, especially if you are in an area that experiences harsh winter weather. If you are unhappy with the amount of coverage you are currently receiving, consider purchasing higher limits.
A Visitor Slips on an Icy Sidewalk
If a fall or accident occurs on your property, your homeowners insurance policy will pay for damages, legal costs, and medical expenses. Standard liability protection is $100,000. If you feel you need more, contact your insurance provider.
A Tree Falls on Your Home During a Storm
Under most homeowners policies, you are both covered for the damage to your home and the cost of the tree removal, generally up to a $500 limit.
So are you properly insured?
Most homeowners policies cover a wide range of disasters – tornadoes, windstorms, fire, lightning, and even winter storm damage. But MOST homeowners policies are not ALL homeowners policies. It is important to check with your insurance provider to find out if your current policy covers you in the event of damage caused by the weight of ice, snow, or sleet.
Don’t wait until your roof collapses after the first big snow storm this winter to find out if you are covered. If you have any questions, please contact the insurance experts at Barrick & Associates, Inc. to find learn more. Call 1-800-548-9810 or click here today!
We offer quality protection and affordable pricing… click here for a free, real-time insurance quote.
Whether you’re looking for business insurance or auto, home, life, or health insurance in Hanover, PA, our qualified and knowledgeable staff will help you find the right policy to best suit your needs. And we do much more than just help you purchase a policy. We also assist in submitting claims and customizing programs for your business. We specialize in providing customized insurance protection for Automobile Dealers, Auto Service Centers, Auto Body Shops, Contractors, Farms and Restaurants, as well as Personal insurance policies. And with all of our insurance services, Barrick and Associates offers a “Money Back Guarantee.”
We are the leading provider of insurance in Hanover, PA.
Check us out on Facebook and Twitter as well!
Sources:
Winter Storms
Am I Covered?
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Posted in Homeowners Insurance Hanover, Pennsylvania, Insurance Hanover, Pennsylvania, Insurance Solutions Hanover, Pennsylvania | No Comments »
January 5th, 2012
While most of us will argue that our dogs are friendly and would never hurt a fly, the truth is that even the most docile dog may sometimes snap when frightened or when protecting its puppies, food, or even you, its owner. In fact, more than 4.7 million people are bitten by dogs every year, according to the Center for Disease Control and Prevention (CDC). Of these bites, more than 50% occur on the do owner’s property.
As a dog owner, you are responsible for any injury your dog (or any pet for that matter) causes under the following conditions:
• If the dog owner knew the dog had a history of aggressive behavior
• If a state statute holds the dog owner liable
•If it is a repeat offense. Certain states do not hold dog owners liable for the first bite a dog inflicts. This is referred to as the “One-bite” rule. A dog owner will be held liable for any repeat offense.
• If the injury was caused by unreasonable carelessness on the part of the owner. This is referred to as Negligence Laws.
Dog bites account for a third of all homeowners insurance liability claims.
Homeowners policies and renters insurance policies typically cover dog bite liability, providing between $100,000 and $300,000 in liability coverage. If a claim exceeds the limits of your coverage, you are then responsible for all damages and legal expenses above that amount.
So if you own a dog, you have to ask yourself: “how well am I protected?”
To find out if you are properly insured, simply contact the insurance experts at Barrick & Associates, Inc. by calling 1-800-548-9810 or click here today!
We offer quality protection and affordable pricing… click here for a free, real-time insurance quote.
Whether you’re looking for business insurance or auto, home, life, or health insurance in Hanover, PA, our qualified and knowledgeable staff will help you find the right policy to best suit your needs. And we do much more than just help you purchase a policy. We also assist in submitting claims and customizing programs for your business. We specialize in providing customized insurance protection for Automobile Dealers, Auto Service Centers, Auto Body Shops, Contractors, Farms and Restaurants, as well as Personal insurance policies. And with all of our insurance services, Barrick and Associates offers a “Money Back Guarantee.”
We are the leading provider of insurance in Hanover, PA.
Check us out on Facebook and Twitter as well!
Sources:
Dog Bite Liability Insurance Information Institute
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December 29th, 2011
A burglary is defined as the unlawful entry into a structure such as a home or business. And according to the FBI, of the 2,159,878 burglaries that occurred in 2010, 74% were home burglaries. So you have to ask yourself: “Am I properly covered?”
Your standard homeowners policies provides four main types of coverage:
• Coverage for the structure of your home.
• Coverage for your personal belongings.
• Liability protection.
• Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.
In this instance, we are only concerned with “Coverage for your personal belongings.”
So how much coverage does your property receive? Well, most homeowners insurance policies provide 50-70% of the amount of insurance you have on the structure of your home. This means that if your policy is covers $100,000 for the structure of your home, then you would receive $50,000-70,000 worth of coverage for your personal property.
Is this enough? Sometimes, the answer is simply no.
Expensive items like jewelry, silverware, and furs are only partially covered. Most homeowners policies will only cover between $1,000-2,000 for ALL of your jewelry and furs. Is that enough? If not, you will need to purchase a special personal property endorsement – also known as a floater – to insure these items for their full value.
Still a little confused? We don’t blame you. So to find out what insurance policies you need to purchase, simply contact the insurance experts at Barrick & Associates, Inc. by calling 1-800-548-9810 or click here today!
We offer quality protection and affordable pricing… click here for a free, real-time insurance quote.
Whether you’re looking for business insurance or auto, home, life, or health insurance in Hanover, PA, our qualified and knowledgeable staff will help you find the right policy to best suit your needs. And we do much more than just help you purchase a policy. We also assist in submitting claims and customizing programs for your business. We specialize in providing customized insurance protection for Automobile Dealers, Auto Service Centers, Auto Body Shops, Contractors, Farms and Restaurants, as well as Personal insurance policies. And with all of our insurance services, Barrick and Associates offers a “Money Back Guarantee.”
We are the leading provider of insurance in Hanover, PA.
Check us out on Facebook and Twitter as well!
Sources:
Crime Insurance Information Institute
What coverage is included in a standard homeowners insurance policy? Insurance Information Institute
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December 22nd, 2011
News Flash: Your Businessowners Policy (BOP) does not provide coverage for any vehicles.
So if your business involves any type of automobile – whether it is a work truck for a construction business or a van customized to sell ice cream – you probably need commercial auto insurance. Similar to your personal auto insurance policy, a commercial policy provides liability, collision, comprehensive, personal injury protection, and uninsured motorist coverages.
Yet, while the major coverages are the same, commercial auto insurance policies differ from personal policies in many technical aspects. Ask your insurance agent to expound on these differences and explain all of your available options.
Your insurance agent will ask you the following:
- Who will be driving your business vehicle(s)?
- Do you own, rent or lease your business vehicle(s)?
- Who is more likely to drive your business vehicle(s)m you, your employees, or both?
The answers to these questions will indicate the types of coverage you need. Your commercial auto policy can be either broad or narrow depending on your choice of options.
In general, you have three options for which vehicles you choose to cover.
- Autos your business owns
- All autos your business owns, hires or leases
- All autos used for the business, including those that your business does not own, hire or lease
The choice is yours.
If you have any questions, please contact the insurance experts at Barrick & Associates, Inc. to learn more and find out what coverages you actually need. Call 1-800-548-9810 or click here today!
We offer quality protection and affordable pricing… click here for a free, real-time insurance quote.
Whether you’re looking for business insurance or auto, home, life, or health insurance in Hanover, PA, our qualified and knowledgeable staff will help you find the right policy to best suit your needs. And we do much more than just help you purchase a policy. We also assist in submitting claims and customizing programs for your business. We specialize in providing customized insurance protection for Automobile Dealers, Auto Service Centers, Auto Body Shops, Contractors, Farms and Restaurants, as well as Personal insurance policies. And with all of our insurance services, Barrick and Associates offers a “Money Back Guarantee.”
We are the leading provider of insurance in Hanover, PA.
Check us out on Facebook and Twitter as well!
Sources:
Do I need a commercial auto insurance policy? Insurance Information Institute
Business Vehicle Insurance Insurance Information Institute
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Posted in Car Insurance Hanover, Pennsylvania, Commercial Auto Insurance Hanover, Pennsylvania, Insurance Hanover, Pennsylvania, Insurance Solutions Hanover, Pennsylvania | No Comments »
December 16th, 2011
In its simplest sense, an annuity is a contract between you and a life insurance company that states the terms of an agreement for one person or organization to pay another a stream or series of payments. Annuities can be classified by one or several of the following categories at once:
• Nature of the underlying investment: fixed or variable
• Primary purpose: accumulation or pay-out (deferred or immediate)
• Nature of pay-out commitment: fixed period, fixed amount, or lifetime
• Tax status: qualified or nonqualified
• Premium payment arrangement: single premium or flexible premium
Annuities have the following features:
Tax deferral on investment earnings: The investment earnings (capital gains and investment income) in annuities are not taxable until the money is withdrawn.
Investment options: There are a variety of investment options, including:
• Fixed annuity, which would credit a specified interest rate.
• Variable annuity allows you to invest your money in stocks, bonds, or other mutual funds
Tax-free transfers: There are no tax consequences if you change how your funds are to be invested.
Lifetime income: A lifetime immediate annuity converts an investment into a stream of payments that last as long as you do.
Benefits to your heirs: A “guaranteed period” with the immediate lifetime annuity commits your insurance company to continue payments even after you die.
We know that this can all start to get a little confusing. So if you have any questions, please contact the insurance experts at Barrick & Associates, Inc. to learn more and find out what coverages you actually need. Call 1-800-548-9810 or click here today!
We offer quality protection and affordable pricing… click here for a free, real-time insurance quote.
Whether you’re looking for business insurance or auto, home, life, or health insurance in Hanover, PA, our qualified and knowledgeable staff will help you find the right policy to best suit your needs. And we do much more than just help you purchase a policy. We also assist in submitting claims and customizing programs for your business. We specialize in providing customized insurance protection for Automobile Dealers, Auto Service Centers, Auto Body Shops, Contractors, Farms and Restaurants, as well as Personal insurance policies. And with all of our insurance services, Barrick and Associates offers a “Money Back Guarantee.”
We are the leading provider of insurance in Hanover, PA.
Check us out on Facebook and Twitter as well!
Sources:
What is an Annuity? Insurance Information Institute
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