Here are some interesting facts that you may not know:
Supermarket apples can be a year old. 🍎
Sloths can hold their breath longer than dolphins can. 🐬
It’s impossible to hum while holding your nose. 👃
And property insurance policies don't automatically include flood insurance. 💦
Since floods ARE the most common and costly natural disaster AND 20% of the time, they occur in low-risk areas; we thought you would like to know!
The good news is that there's a separate flood policy available, and we can help you put it in place!
Are you ready to talk about it?
If you've had a package 📦 stolen, you're not alone.
Theft from porches and doorways is becoming an increasingly common problem across the U.S. 😨
According to a recent survey by the Illinois-based packing solutions company, Shorr Packaging Corp., nearly one in four adults in the United States report that they have had a package stolen.
If you suspect this has happened to you:
✳️ Check your bushes, garage, or other places where drivers may have left them.
✳️ Check with neighbors to verify that it wasn't delivered to the wrong address.
✳️ View home security footage if you have it.
✳️ Ask the seller of your item about their policy on stolen packages.
✳️ Contact your credit card company. Many offer purchase protection.
To prevent theft:
✳️ Accept deliveries in person.
✳️ Send packages to an alternative location such as an Amazon locker.
✳️ Use a video doorbell to alert you when a package is delivered.
✳️ If the item that you've ordered is expensive, insure it through the retailer.
If you have questions about how your homeowners or renters policy can help a situation like this, let's talk.
1234 accounts for 10.7% of all pins, followed by 1111 and 0000.
Studies show that these three combinations together account for 18.6% of pins.
Wow! 😳
Perhaps it's time to create a PIN that's a bit more unique...
When you request an insurance quote OR when you refer your friends and family to our agency for a quote, you'll be entered into our next drawing for a chance to win $1000 in cash. 💰
The next drawing is going to be held on December 31st!
Click here to get started.👇https://pamshippagency.com/
Plus, getting empowered with a second opinion on your insurance and saving money is fun. 😁
📝 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/dlq85m
Thank you for being the best part of our agency! 💛
🍫Why is chocolate toxic to dogs?
It contains theobromine and caffeine.
Both of which can speed up the heart rate of a dog's nervous system.
🎃 As we are heading towards Halloween, here's a reminder to keep it out of reach of your four-legged friends.
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.
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.
Knowing the right questions to ask will help you make informed decisions to serve your best interest in the long-term.
As urban habitats continue to merge upon rural areas, there has been an increase in deer-car collisions.
There are over half a million incidents a year, with a significant number of fatalities.
Experts say it's usually best to brake firm and stay in your lane if you encounter a deer while driving down the road.
To get boat insurance, you need to own a boat...
or car insurance, you need to own a car...
or exotic snake insurance, you need to own an exotic snake.
But, when you own a rental home...you can’t get homeowners insurance. What’s up with that?
If you plan to rent out your entire home to tenants, you'll need landlord insurance to insure the property...
And your tenants will be responsible for insuring their own belongings.
If you’re so inclined, you could post a sign in your home that says “Not Responsible for Lost or Stolen Items.” Your friends and family will think you’re crazy, but you could do that.
Either way, you should have the right policy in place.
SOME home security systems will actually help you qualify for additional discounts on your homeowners policy. 🏠
To get the specifics, let's chat.
Today, we honor all current and former members of the Armed Services.
If you are a veteran, thank you for your service and your sacrifice! 🇺🇸
Can you believe it?
Thanksgiving is about two weeks away, and then the hustle and bustle of the holiday season will be upon us.
If we haven't done so recently, let's set up a time to review your existing policies.
Why?
Because ensuring that your insurance program is optimized to fit your current needs is important.
✳️ Have you had a change in marital status, employment, or with children entering or leaving home?
✳️Would you like a second opinion on policies you may have with other insurance carriers?
✳️ Are you receiving all of the discounts you are entitled to?
These are just a few reasons for us to chat.
Let's set up a time to talk about what matters to YOU. 😊
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. 😟
A holiday grief-saving tip...
If you have a live tree, make sure the water reservoir inside of the tree stand is not accessible to dogs and cats.
After all, it can get crazy out there!
✨As we celebrate the Thanksgiving holiday, we would like to take the opportunity to THANK YOU for your business.
We would also like to remind you that our office will be closed tomorrow, Thursday, November 26th.
Happy Thanksgiving from our family to yours! 💛
As we head into the holiday season, here's a reminder of what foods dogs can and can't eat...
✅ Apples, bananas, blueberries, carrots, cheese, chicken, eggs, green beans, honey, kiwi, mango, oatmeal, peaches, peanut butter, pears, pineapple, cooked potatoes, pumpkin, rice, sweet potato, and yogurt
🚫 Alcohol, avocado, caffeine, chocolate, coffee, fat trimmings, garlic, gum, grapes, macadamia, milk, mushrooms, onions, pits and seeds, potato skins, raw potato, raisins, rhubarb, salty foods, tea, walnuts, and yeast dough
Taking the time to study this info can certainly save you some grief!
During a BBQ, a woman stumbled and fell. She assured everyone that she was okay.
While she appeared to be a bit shaken up, Jane went about enjoying herself the rest of the evening, but she had actually suffered a stroke.
Had bystanders known how to identify the signs of a stroke, perhaps Jane would be alive today.
Neurologists say that if they can get to a stroke victim within 3 hours, they can reverse the effects of a stroke. The trick is getting a stroke recognized, diagnosed, and treated within 3 hours.
If even one of these tasks is a challenge, seek emergency medical attention. Here are the things to look for...
