October is Fire Safety month! Did you know you should replace smoke alarms every 10 years? I can help you save 20% on one + free shipping: https://al.st/3iTDvtV
📝 If you are one of our customers, you may be receiving a survey from our corporate offices via email anytime throughout the year.
We hope that you'll be able to grade us with a "10" which means that you're "completely satisfied" with our agency's service.
If you are unable to give us a 10 grade, please contact us.
You'll be given an option to enter the $500 drawing at the completion of the survey. 💰
Here are the complete contest details. 👇
https://s.ripl.com/1prm5g
Thank you for being the best part of our agency! 💛
Before you start dreaming of toasted marshmallows, here’s what else to consider about planning a fire pit.
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What to Consider About a Backyard Fire Pit | Allstate
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Over the years, you may have heard the term “10 and 2 driving”. 🚙
This is regarding the position in which you should hold your hands on the steering wheel.
This is typically described in terms of how your hands' placement relates to the numbers on a clock. ⏰
But, the technique for proper hand placement on the steering wheel has changed over the years.
NHTSA now recommends the placement known as “9 and 3”.
The 10 and 2 o’clock position is no longer recommended because it can be dangerous in vehicles with smaller steering wheels equipped with airbags.
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Here's a common question.❓
"If someone hits my vehicle while it is parked, what can I do to protect myself?" 🚗
Hopefully, the person responsible left a note. Or there are security cameras 🎥 or witnesses 👀 of the incident.
But if you can't locate the person who caused the damage, it's your auto policy's collision coverage, which will likely cover the loss.
A deductible would apply here.
And, collision coverage is optional, so if you chose not to buy it, you would have to pay for repairs out of pocket.
Uninsured motorist property damage coverage could also pay for damage caused by hit-and-run drivers in states where this type of coverage is available.
If your insurer locates the responsible party for the damage and recovers some or all of the repair costs, you may get a refund of your collision deductible.
Side note: Only 12 percent of all reported hit-and-runs (2016 statistics) were solved, so ensuring you have the coverage to protect yourself makes sense.
🐶 Sure, dogs are considered by many as man's best friend, but that doesn't necessarily include the mailman.📫
In one incident, when a dog bit the mailman, causing an injury...👮
It was a renters insurance policy that paid out for his medical bills.
It's sometimes easy for people to think that they don't have enough "stuff" to justify carrying a renters policy.
Yet, it can protect you from more than you might realize.
High-rise shouldn’t mean high-rates. Call or message me to find out about available condo insurance discounts.
Knowing the right questions to ask will help you make informed decisions to serve your best interest in the long-term.
Are you going to rent a moving truck? 🚛
Typically, credit cards and most personal insurance policies do not cover damage to rental moving trucks, even if they cover damage to rental cars.
That's why it's a good idea to purchase a damage waiver from the company who rents you the moving truck.
If you damage it, you'll be charged not only for the repair costs but also for the loss of income while the truck is out of service. 😟
Women have unique needs in retirement. Does your retirement plan reflect them? Contact me to see how I can help you plan for your specific needs.
Keep in mind that insurance companies do NOT insure land.
Yet, some lenders require it. 😳
Ask a lender if they will require you to insure the land that your home sits on before you start your loan approval process.
The 2020 calendar is winding down. Let's touch base to make sure your life insurance policy and beneficiary information is up to date. Call me today!
Communicate safety to your teen driver.
Make sure they know that it takes thousands of bolts to build a car...but only one nut to destroy it. 💥
There is a reason why in driver’s training they don’t teach you how to text while driving or how to steer with your knee.
Make sure they know that.
Safety is a cheap and effective insurance policy, but, it can’t be the only one.
While it may be tempting to reduce coverage limits when adding a teen driver to your auto policy to offset the costs, it's not a good idea.
Come experience the Allstate difference when it comes to retirement planning. Let’s put a personalized plan in action today. Give me a call to get started.
Oh no 😳❄️⛄️
🐶 For many of us, dogs ARE an insurance policy.
However, once a dog has bitten someone, it poses an increased risk. In such a case, an insurance company may charge a higher premium or exclude the dog from coverage altogether.
The average dog bite claim is $30,000.
If a claim exceeds the limit on a property policy, the dog owner is personally responsible for all damages above that amount, including legal expenses.
To reduce the chances of dog biting, experts suggest following these steps:
🔘 Spend time with a dog before buying or adopting it.
🔘 Use caution when bringing a dog into a home with an infant or toddler.
🔘 Be sensitive to cues that a child is fearful or apprehensive about a dog.
🔘 Have your dog spayed or neutered.
🔘 Socialize your dog so that it knows how to act with other people and animals.
Do you have questions about coverage for your specific breed?
Let's talk about it. 📞
Most of us have that one drawer in our homes, the junk drawer.
It serves as a place to store random items. 🔑🔦🔓📌📎✏️
So what's the one thing you should avoid throwing into the junk drawer?
Loose and exposed, 9-volt batteries. 🔋
Why?
Because loose metal objects in the junk drawer can short out a 9-volt battery and ignite a fire. 🔥
If you do have them, it’s best to keep batteries inside of their package or keep the posts covered up with tape.
It's just a simple precaution you can take to save yourself from unnecessary grief. ✅
Save with new lower rates on Renters Insurance! Now you can save even more when you protect your belongings with Allstate. Contact me to get a quote today!
In many instances, the cost to rebuild a home is more than its market value. 🏠
Yet, after the 📉 housing market correction of 2008, 25 percent of people polled by the Insurance Information Network thought they should lower their home insurance coverage because market values had gone down.
This thinking can result in a homeowner having insufficient coverage if they need to rebuild after enduring a total loss. 😳
Typically, lenders only require that you have enough insurance to protect the balance of what they have loaned you.
Yet, homeowners need to have enough coverage to rebuild their home and to replace their possessions.
At least once a year, take the time to go over your property policy with your insurance agent. 📅
Do you know a teacher who needs funding support for an innovative social and emotional learning classroom project? Share this link to invite them to submit the project to DonorsChoose. Donations made to these projects will be matched dollar-for-dollar by The Allstate Foundation. http://al.st/2MpZKMC
