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- A change in employment that reduces your mileage (e.g., working from home)
- Marriage or divorce
- Starting a new business (or side hustle)
- Pending retirement or job loss
- New addition to the family
- Loss of a loved one
Additionally, if you can answer yes to any of the following five questions, you may be able to reduce the cost of your insurance premium:
1. Did your credit score improve?
Depending on the state you live in, insurance companies may use credit-based insurance scores to predict how likely you are to have an insurance loss. They’re like regular credit scores but only use select elements of your credit history. This score is only one factor that influences your premium.
2. Did moving violations fall off your driving record?
Good for you! Most states allow moving violations to remain on your record for up to 10 years. Safe driving over time can remove these splotches and lead to a better rate.
3. Do you qualify for a low mileage discount?
Low mileage discounts vary by insurer, but some insurers advertise a price break of up to 20% if you drive less than 8,000 miles per year.
4. Can you reduce optional insurance on an older vehicle?
Collision may no longer make sense on an older vehicle that you’ve paid off. A common rule of thumb is to drop collision when the cost of comprehensive and collision together is greater than 10% of your vehicle's value. But speak with your We Insure agent to see if this makes sense in your specific situation.
5. Have you made improvements to protect your home?
Adding smoke detectors, sprinkler systems, burglar alarms or deadbolts to your doors can keep you safer and decrease your insurance premium.
Proceed with Caution with These Savings Strategies
Raise your deductible to lower your premium — but only if you can afford to pay it. On things like a wind policy, for instance, a higher deductible could mean many thousands of extra dollars out of pocket after a big storm. And many folks probably have less in their emergency fund or a lower salary than before. Also, be wary of signing on with a poorly rated carrier just to save a few dollars. You may find that the savings aren’t worth the cost of poor service in the long run.
Raise your deductible to lower your premium — but only if you can afford to pay it. On things like a wind policy, for instance, a higher deductible could mean many thousands of extra dollars out of pocket after a big storm. And many folks probably have less in their emergency fund or a lower salary than before. Also, be wary of signing on with a poorly rated carrier just to save a few dollars. You may find that the savings aren’t worth the cost of poor service in the long run.
If you’re ready to save money on your home, auto, business or life insurance policies, contact your local We Insure agent. Our agents have access to top insurance carriers and specialty insurance providers and can help you get the coverage you need at competitive rates.
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If you live in a hurricane-prone state, you should know that homeowners insurance doesn’t always pay for all the damage these monster storms can wreak. Depending on what state you reside in and geographic factors, like coastline proximity or location within a flood zone, you may need additional coverage to protect your property from the wind and flooding that can harm your home.
There are two types of insurance products you might need in addition to your homeowners policy to protect you: windstorm and flood insurance. With hurricane season entering its peak, it’s important to know that any new coverage you add to your policy can take approximately 30 days to go into effect.
According to the National Oceanic and Atmospheric Administration, the Atlantic 2020 season is expected to be above-normal with 13 to 19 named storms predicted. Two-thirds of homes in the US are under-insured for national disasters, but many don’t know it. For example, 80% of residents in the worst-hit areas of Hurricane Harvey in 2017 did not have flood insurance.
Let’s repeat: Having homeowners insurance does NOT mean it will cover the wind and flood damage that follows a hurricane. You may need separate policies to cover repairs or pay the cost of rebuilding your home.
Windstorm Insurance
In most states, standard policies cover damage from wind and hail, including hurricanes. However, some high-risk coastal states exclude windstorm coverage from homeowners insurance policies. If you live in a southern coastal community, insurers often require windstorm insurance that’s available as a rider on your current policy or as a separate policy. If the insurer doesn’t mandate the windstorm coverage, your mortgage lender may require some amount of protection. Even if your policy covers wind damage, it may only be partial coverage with a separate, significantly higher hurricane deductible than your standard deductible.
While some insurance companies no longer offer wind policies in beach areas, We Insure works with many insurers to provide this type of coverage. Additionally, a number of coastal states have beach and windstorm plans to offer coverage that’s pooled by private companies but administered by the government.
Windstorm insurance may cover damage from high winds not associated with a hurricane. And it could also cover rain damage if a wind or hail storm perforates the roof or walls of your home. Just be sure to contact your insurance agent to report any damage promptly, as there are often time limitations for filing a claim.
Flood Insurance
Floods are the most common and costly natural disaster in the U.S. If only one inch of water seeps into your home, it can cause $25,000 or more in damage. You may know that federal disaster aid provides limited assistance, but the aid is often in the form of a loan that you need to pay back. Homeowners insurance policies don’t cover floods, including water from a storm surge. Flood insurance is only available through an insurer or insurance agent participating in the National Flood Insurance Program, and We Insure partners with insurers that offer these policies.
If you own a home on property that’s in a flood zone or at high risk, your mortgage lender may require you to purchase flood insurance. That said, roughly 20% of claims come from properties not within a high-risk flood zone. If you live in a low elevation area with high exposure to storms, such as the state of Florida, flood insurance is a smart consideration even if it’s not required.
Flood insurance can cover the structure of your home and its foundation, plumbing and electrical systems, central air and heating systems, attached bookcases, cabinets, paneling, and a detached garage. It can also provide protection for personal belongings such as clothing, furniture, electronics, curtains, some portable appliances, freezers and the foods within them. Be sure to discuss the specific coverage of your policy with your agent.
The Power of We
If you have any questions or concerns about your current hurricane coverage — or want to shop or purchase a new policy — it's best to speak to an insurance expert who is knowledgeable about insurance needs in your geographic area. Determining the right level of coverage on your own can be daunting, and We Insure wants you to rest easy during this hurricane season. Talk to a We Insure agent before the storm clouds appear on the horizon.
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Are you thinking about purchasing a recreational vehicle to take your vacation on the road this fall for some socially distant fun? If you are, you’re not alone!
The RV Industry Association reports a 170% increase in sales for May 2020 compared to 12 months prior. As our national parks have reopened, many families want to salvage lost summer holidays in a safer way — and transport kids back to college without putting them on a plane. Snowbirds, who are at an increased risk for falling sick to the coronavirus, are also looking for new ways to head south this winter. And the appeal of RVs is broadening as many young families and retirees alike consider the RV lifestyle for the very first time.
But before you drive off in your home away from home, make sure you’re properly covered. Your auto policy may offer some RV-specific insurance protection for driving-related accidents, its contents and other issues — but may not give you all the coverage you need. Homeowners policies can provide offer some protection, but it’s generally limited to when the RV is parked at your residence. RV insurance typically combines the types of coverage common to home and auto insurance policies at a level that’s commensurate to the value of the RV.
Insurers differentiate RVs from passenger cars and SUVs because RVs are typically much larger, longer and more expensive than a standard vehicle — sometimes costing as much as a (stationary) house. The size of the vehicle can feel awkward to drive at first, and insurers anticipate a greater risk for accidents. You may find it more difficult to drive and park, especially in tight spaces like gas stations and off-road campsites. Read: Fender benders are more likely as a new RV road warrior!
Even minor accidents like scraping a pole or denting another RV can lead to expensive repairs. Purchasing RV insurance can get you the higher limits you need to cover damages, which can be substantially more than the average auto policy provides.
Beyond the typical dings and scrapes you might anticipate, being on the road for longer periods of time can make you more susceptible to Mother Nature, theft and a variety of other perils. Supplemental policies can cover costs your auto or homeowner insurance policy may not, like hotel or rental car reimbursement in the event of a breakdown.
One last note for those who are new to RV travel: If you’re journeying outside of the U.S. to Canada or Mexico, you may also need specific protections for taking your RV across the border. So be sure to talk to your agent about your upcoming travel plans.
We Insure offers exceptional customer service and competitive rates on auto, motorcycle, RV and boat insurance. So, before you hit the road (or the waves) talk to one of our knowledgeable agents so you can enjoy your next adventure with the protection you need.
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We all enjoy a good scare this time of year, but it shouldn’t be because you made a mistake with your insurance policy. Here are some of the ghastliest gaffes when it comes to your insurance coverage and how to avoid them.
1. Being Underinsured on Your Home
It’s a tough time for many Americans, and while we should always look for ways to trim the fat, cutting insurance coverage to the point where you have inadequate coverage is definitely not the best option. In the event of a disaster, being underinsured could mean losing tens of thousands of dollars or more if you have to repair or replace your home. One way to objectively determine if you have enough coverage is to use a web tool like AccuCoverage to account for custom features of your home and the cost of construction in your area. Review your current policy against the report to determine if you may need to change your coverage. One important detail in a homeowner’s policy that could cost you a bundle is whether your personal belongings are covered for their current (depreciated) value or at replacement cost.
2. Dropping Needed Coverage to Save
Some insurance companies make it easy — perhaps too easy — to opt-in and out of coverage through their websites. It may seem quick and painless to do, but if you don’t 100% understand the policy language, you could drop necessary coverage. Always check with your We Insure agent to ensure your cost-saving measures don’t accidentally remove coverage you need. For instance, if you live in a hurricane-prone state, you may need hurricane coverage, but windstorm damages caused by the winds created by a hurricane storm are not generally included. Hurricanes and windstorms go hand in hand, so excluding windstorm coverage could become a very costly mistake!
3. Shopping Solely Based on Price
If you’re shopping policies on price alone, you’re leaving key decision factors on the table: appropriate coverage, customer service and the reputation of the insurance company. A low price can mean many things, including limited coverage or a high premium. Determine what types of coverage you need first, and then have a We Insure agent shop carriers to give you an apples-to-apples comparison. Be sure to ask if any discounts are available. Auto insurers may offer a break for good driving behavior, and home insurers often give discounts for upgrades like a new roof or monitored alarm system. From there, you can make a final determination by reviewing the service quality and other reputation factors of the company.
4. Not Having Flood Insurance When You’re at Risk
Even if you don’t live in a high-risk area, most property owners should consider flood insurance. According to FEMA, during a 30-year mortgage, there’s a 25 percent chance you could experience flood conditions if your home is in a 100-year floodplain. Just one inch of flooding in your home can cost $20,000 or more in repairs! Flood zones change over time, so even if you weren’t in a flood zone when you first purchased your home, your risk may have since changed. An example of floods occurring in non-flood zone areas include the 50+-inches of rain from Hurricane Harvey in 2017, resulting in catastrophic property flooding in Texas and Louisiana.
5. Buying Bare-Bones Auto Coverage
The adage “you get what you pay for” can especially be true when it comes to cheap auto insurance. You’d be spooked if you knew the frightening risk you’re taking if you hurt someone in an accident and face a lawsuit without adequate coverage. Even minor accidents can lead to very costly damages. And inadequate coverage may put your home and personal savings at risk. Think about that threat before picking a plan with only the state-minimum mandated coverage.
6. Forgetting to Pay Your Premium
Whoopsies. We’ve all forgotten to pay a bill from time to time, but this is one mistake that’s completely avoidable. Set up automatic bill payment online or through your agent to take care of your insurance premium, or at least set up a recurring reminder in your calendar. Late payments can affect your credit report, and those who consistently pay late can end up paying higher insurance premiums and late fees as a result.
The Takeaway: Don’t cut and slash your insurance policies for short-term savings, especially during challenging economic times. It’s important to protect yourself from the types of disasters and worst-case scenarios that can wipe out a lifetime of savings. Take calculated but informed steps and work with a We Insure agent to guide you along the way — and save the scares for the Halloween horror movies.
November is one of the busiest times of the year for car travel as families head to grandmother’s house for turkey and trimmings. Since the holidays are wild enough with your Great-Uncle Sal, take heed of our travel preparation tips so you can deftly handle roadside breakdowns — or prevent them altogether!
1. Don’t skip essential maintenance. This is still important, even if your car has been idle these past months. Take your vehicle in for a standard checkup at your local service center to do things such as:
• Top off fluids, including windshield wiper fluid for optimal visibility.
• Check your headlights, brake lights and turn signals.
• Inspect your tire treads for wear and inflate tires to the recommended levels in your owner’s manual for a safer, more comfortable ride.
• Check your car battery — the exceptionally hot summer months this year may have drained it faster.
• Change your oil, if it’s due.
2. Travel with emergency supplies. You may be feeling confident that you already have jumper cables, a spare tire, jack and first aid kit in your car, but when did you last open the trunk and inspect these items? Many a weary traveler pulls out a flat spare tire or opens up the first aid kit to find essential items missing or damaged.
Other emergency items that you’ll want to have on hand include extra water and food, a flashlight, motor oil, radiator fluid, emergency lights or flares, phone chargers/power packs and a fire extinguisher. Have an extra supply of any medicines you need to take, hand sanitizer and disinfectant spray/wipes as well as extra masks for all passengers. Depending on where you’re headed, you may also need snow supplies like an ice scraper, snow shovel and blankets.
3. Make sure you have good auto insurance coverage and roadside assistance. Before you hit the road, have your up-to-date insurance documents and registration handy — and lock in your emergency roadside assistance insurance coverage. Emergency roadside assistance generally covers towing, battery jumps, tire servicing, gas delivery and lockouts. But what if you have more serious car trouble and need to have your car towed to the nearest service center? You could be stuck somewhere between Yeehaw Junction and Miami for an overnight stay or longer while waiting on repairs.
Fortunately, there are other insurance options that cover alternative transportation, accommodations and even a food allowance for you and your co-travelers. Road trip accident accommodations coverage is actually quite affordable, so get a quote from your local We Insure agent before your holiday travel this year.
It Could Happen to You — Be Prepared!
Don’t kid yourself when you see a disabled vehicle on the side of the road and think that it won’t happen to you — one day, it could. By following these tips, you can overcome many problems quickly and arrive fresh and in time for all the family fun.
If you’re ready to save money on your auto, home, boat or business policies, contact your local We Insure office. Our agents have access to top carriers and specialty insurance providers to help you get the most coverage at the best rates.
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It’s sad but true — the holiday season is prime time for theft. Protect yourself against would-be ne’er-do-wells with these holiday safety tips from We Insure.
1. Don’t broadcast travel plans. As tempting as it may be to post pictures of your family ice skating at Rockefeller Center, resist the urge. You may think you’re just sharing with friends on social media, but the internet’s call letters are www (world wide web) for a reason. Post as many pictures of your holiday adventures as you like — once you return.
2. Don’t leave tell-tale boxes for expensive items curbside. Television boxes that get tossed to the curb let everyone know the make, model and size of your brand-new 4K TV. It’s a burglar’s dream because it signals which homes to target to score the latest electronics. Break down boxes and place them inside your bin for stealthy recycling.
3. Use programmable lights. Keep thieves guessing if you’re home with programmable lights. They may be the oldest trick in the book because they work! Set up lights in various rooms to turn on and off on a random schedule.
4. If you’re traveling, hold the mail or have a neighbor take it in. The USPS offers a hold mail service that you can request online or in person at your local post office. Either choose to have your mail delivered upon your return or pick it up when you get back. Having a neighbor collect your mail and check in on your home is an even better solution because they can inform you of any trouble — and no one you don’t know will have the information that you’re away.
5. Never leave deliveries unattended. Arrrgh … the dreaded porch pirates! Theft of boxes left at the doorstep during work hours has sadly become commonplace. Fortunately, you can protect yourself from pirate plundering with a little pre-planning and creative thinking. Ship items to your office or to a stay-at-home neighbor. Some delivery services can send your packages to a safe place until you can pick them up. FedEx has arrangements to store Amazon deliveries in special lockers at local retailers.
6. Lock doors and keep valuables out of sight. An unlocked door is an open invitation for unwanted visitors. It goes without saying that you should always lock your doors, but even the most diligent people can let their guard down from time to time. Another tip is to tuck your laptops, iPads and other valuables away from sight. Teaching your kids these simple safety habits will prepare them for when they live on their own someday.
7. Guard against identity theft. The holidays are a good time to check your statements twice to find out if someone naughty is stealing your identity. Review them line by line for extra charges from purchases you didn’t make. Sign up for credit alerts from one of the credit monitoring services available online.
8. Make sure you’re properly insured. Standard homeowners insurance policies cover theft of personal belongings from your home but may exclude high-ticket items like jewelry, electronics and cash. These more-expensive items are popular holiday gifts, but your current policy may limit (or exclude) reimbursement for them, so you may need to add a rider to have them covered. Your local We Insure agent will be happy to provide you with a fast and free homeowners insurance quote. And we can shop over 100 top-rated carriers to find you the best deal on the coverage you need.
Take these tips to heart this holiday season to protect your family and belongings from unfortunate events. From We Insure’s family of service providers across the United States to yours, Season’s Greetings and a happy and healthy New Year!
Every year, champagne in hand, we count down to the New Year while watching the ball drop. So, we thought this would be the perfect time to count down ten steps you can take to create a safer home in 2021.
10. Install a Wi-Fi camera. With the advent of Wi-Fi security cameras, hard wiring is no longer necessary. This brings installation costs down considerably and makes the technology a lot more accessible for many people. Wi-Fi cameras and doorbells can record activity outside your home and send alerts to your mobile phone when motion is detected.
9. Pressure-wash walkways. Don’t let mold and mildew build up on walkways, steps, patios and other hardscapes. Excessive buildup can make these surfaces slippery and a falling hazard. Enlist professional help or rent a pressure washer at your local home store.
8. Install motion-sensitive exterior lights. Motion-sensitive lighting can deter burglars and provide added safety when navigating your property at night. They’re inexpensive and easy to install. And many models are battery-operated and don’t require hardwiring to your existing electrical system.
7. Install a carbon monoxide detector. While smoke alarms are fairly common, homeowners frequently overlook carbon monoxide detectors. But they can be life-saving should this deadly gas build up inside the home. Because these fumes are odorless, they can pose a grave danger when left undetected.
6. Install a monitored security system. Once again, Wi-Fi technology can help you avoid the necessity of hardwiring equipment in your home and lower installation costs. An added bonus: You may also get a discount on your homeowners insurance by showing proof of your security system. Contact your local We Insure agent to see if you qualify.
5. Professionally inspect your chimney. Soot and other debris can build up inside chimneys and cause a fire hazard. Have a local professional thoroughly inspect and clean it out to make sure your chimney is safe and unobstructed.
4. Purchase fire extinguishers for your home. Place easily accessible fire extinguishers on every floor of your home and make sure everybody in the house knows how to use them properly. Fire extinguishers have different ratings for the types of fires they’re effective on. Be sure you also have a specialized one for grease fires, which are more likely to occur in the kitchen.
3. Anchor furniture to walls. About every 43 minutes, a child suffers injury in a furniture tip-over accident in the United States. Even smaller pieces, like dressers, are vulnerable to this danger. Learn how to properly anchor furniture at https://www.anchorit.gov.
2. Keep a first-aid kit stocked and ready to use. During the pandemic, many people are hesitant to venture out — even to see a doctor. It’s especially important right now to maintain a well-stocked first-aid kit at home to treat minor injuries. But be sure, however, to seek prompt medical attention for anything serious.
1. Review basic safety habits. Keep doors and windows locked. Close blinds and draperies at night, and store valuables out of sight. And never open the door to strangers. Teach your children basic safety habits to better prepare them for when they will someday live on their own.
While these tips may not be as exciting as a ball drop in Times Square, keeping your home and family safe is certainly worth celebrating. Hopefully, you’ll never need to use your homeowners insurance. But if you do, having the right coverage with a reputable insurer that provides excellent customer service is critical.
We Insure can help you shop for a policy that’s right for you at a price you can afford — and we’ll be there to assist you should you ever need to file a claim.
Making a mistake with your insurance can cost you. Here’s a list of common missteps that can land you (and your pocketbook) in big trouble if you’re not careful.
Underinsuring your home. As home values appreciate in your neighborhood, you may find yourself underinsured — especially after making major renovations. Insure your home for the cost to rebuild it, and not its current market value. Review your home’s value with your We Insure insurance agent on a regular basis.
Selecting an unaffordable deductible. Choosing a high deductible can save on your monthly premiums, but it’s not a good idea if you can’t afford big upfront costs when disaster strikes. Be sure you have enough money in an emergency fund to cover your maximum deductible should the need arise.
Assuming all your belongings have coverage. Basic homeowners policies routinely exclude a number of items, including jewelry, electronics, artwork, cash and collectibles. The list can vary from carrier to carrier. Review your policy with your agent to make sure you have coverage for all of your valuables. You may need to purchase an additional rider to cover some of these items.
Not shopping around. Depending on where you live, We Insure can compare prices from up to 100 top-rated carriers. This can result in substantial savings on the coverage you need. We’ll do all the legwork for you and give you an apples-to-apples competitive quote for your home, auto, business, RV, boat and other policies you need.
Buying the least expensive coverage. While there’s nothing wrong with shopping around for a good deal, if you let price be the only deciding factor, you might end up with insufficient coverage, or a policy from an insurer that’s not on solid financial footing. Customer service is an important consideration as well. Be sure to balance price with features and service when shopping for a policy.
Ignoring flood risks. Flood insurance is relatively inexpensive and covers a peril that most homeowners insurance policies exclude. Check to see if your home is in the flood zone by consulting the National Flood Insurance Program (NFIP).
Buying a bare-bones auto policy. Purchasing the minimum amount of liability insurance may put you in a bind should you ever face a lawsuit after an accident. State-mandated minimums are just that – minimums. Depending on your financial circumstances, it may be advantageous to obtain additional coverage.
Neglecting to ask about discounts. You can often save money on your premiums by documenting that you have an antitheft system in your car or monitored security in your home. You may also save by bundling homeowners and auto insurance policies with the same carrier. A We Insure agent will be happy to check for all available discounts for you.
We Insure offers competitive rates on top-rated homeowners, business, boat, and RV insurance products, among others. Our friendly and knowledgeable agents will give you a fast and free competitive quote for all your needs. All insurance is not the same, and service matters. Call your local We Insure independent agent today.
Are You Making These Costly Insurance Mistakes?
January 4, 2021
Making a mistake with your insurance can cost you. Here’s a list of common missteps that can land you (and your pocketbook) in big trouble if you’re not careful.Underinsuring your home. As home values appreci...
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Countdown to a Safer Home in 2021
January 4, 2021
Every year, champagne in hand, we count down to the New Year while watching the ball drop. So, we thought this would be the perfect time to count down ten steps you can take to create a safer home in 2021. 10. I...
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Don’t Let Anyone Steal Your Holiday Spirit
November 19, 2020
It’s sad but true — the holiday season is prime time for theft. Protect yourself against would-be ne’er-do-wells with these holiday safety tips from We Insure.1. Don’t broadcast travel plans. As tempting as it m...
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Safe Holiday Travel Tips from We Insure
October 26, 2020
November is one of the busiest times of the year for car travel as families head to grandmother’s house for turkey and trimmings. Since the holidays are wild enough with your Great-Uncle Sal, take heed of our travel preparation tips so you can...
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Avoid These Insurance Frights
September 29, 2020
We all enjoy a good scare this time of year, but it shouldn’t be because you made a mistake with your insurance policy. Here are some of the ghastliest gaffes when it comes to your insurance coverage and how to avoid them....
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Thinking About Hitting the Road in an RV? Read This First
August 27, 2020
Are you thinking about purchasing a recreational vehicle to take your vacation on the road this fall for some socially distant fun? If you are, you’re not alone! The RV Industry Association reports a 170% increas...
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Becoming Well-Versed in Auto Insurance
August 3, 2020
Advertisements for low-cost insurance may intrigue you, but remember: the price of your auto policy is never as important as being an informed consumer. There are five major types of automotive insurance, and they’re all significant. Knowledge of t...
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Business Insurance Basics
August 2, 2020
When you own a business, there are multiple processes and procedures that must be followed. If you manage employees, their safety and security should be taken into consideration at all times. For a large company, you may have a collection of expensiv...
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Hope for the Best, Prepare for the Worst: Homeowners’ Insurance 101
August 1, 2020
Buying a home is a big investment, and you’d probably like to protect that investment. That’s where insurance comes into play. Maybe you live in the Midwest where tornadoes are rampant, or maybe you live in quaint suburbia where, seemingly, nothi...
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What You Don’t Know About Your Homeowners Insurance Could Blow You Away
July 30, 2020
If you live in a hurricane-prone state, you should know that homeowners insurance doesn’t always pay for all the damage these monster storms can wreak. Depending on what state you reside in and geographic factors, like coastline proximity or l...
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Stretch Your Insurance Dollars with These Smart Strategies
July 2, 2020
The recession stemming from the COVID-19 pandemic is unlike any other in United States history. Many have found themselves un- or under-employed and more circumspect about their economic future, leading them to look for ways to save money on ess...
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What’s a Captive Agent? And Why Would You Want One Agent for All Your Insurance Needs?
June 5, 2020
If you’re researching insurance options, you’ve probably heard something about captive insurance agents. But what exactly does that mean? A captive agent is simply industry-speak for someone who works for only one company. The insurance comp...
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