Homeowner’s insurance discounts

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Home Insurance DiscountsWhether you are looking to purchase a new home or if you find your current home insurance premium is too high, our local, independent insurance agency can help. We represent the top home insurance carriers in the country. In one click, we can provide you with quotes from all of our carriers at once!

Here are the most common home insurance discounts you can receive:

Bundle your auto insurance with your home insurance: Bundling your auto and home insurance policies together with the same insurance carrier is our first discount we search for. If you have an existing auto insurance policy already, we can quote your home insurance with the same carrier. We can also provide you with a new quote for auto & home insurance with our other carriers.

Pay in Full: if you opt to pay your home insurance once a year, many insurance carriers will lower your premium. This also is the same for your auto insurance policy.

Longevity: Stay with the Same Insurance Carrier Year after Year: Many insurance carriers give a loyalty discount. If you have been with the same insurance carrier for years, you may be able to receive a lower home insurance premium. Talk to an agent in our office to see if you are qualify for a loyalty discount.

No Claims? Get Rewarded: You may see insurance carrier commercials promoting claims-free discounts. This is true! Each insurance carrier has their own set of criteria for rewarding their customers with discounts for being claims-free. Many times this means receiving a check in the mail throughout the year.

Military or Retired Discount: If you are in the military or recently retired, talk to an agent in our office to see if your insurance carrier can provide you with a discount.

Invest in Smart Home Devices: Many insurance carriers like it when homeowners invest in the safety of their home. This could include sensors for leaks or being able to lock your home when you’re off your property. Talk to us to see what your insurance carrier may provide.

Go Green: Many homeowners are investing in solar panels and it is earning them a home insurance discount. Other ways to earn a discount – upgrading your windows or appliances to being more energy efficient such as your windows, heat pumps or other appliances in your home.

Other ways to lower your premium:

Adjust your deductible: The higher your deductible, the lower your monthly or yearly home insurance premium. Yes, you would have to pay more out of pocket if you experienced a home insurance claim. However, if you see yourself as lower risk, it may be better for you to earn a monthly discount on your premium instead to save more money in the long run.

Keep your Credit Score High: Insurance carriers can view a good credit score as less risk. This can earn you a lower home insurance premium.

If you Live in an Old Home, Upgrades Can Lower Your Premium: some old homes have knob and tube wiring, which can increase your risk for a home fire. If you’ve upgraded your home electrical system, be sure your agent knows this was completed. It can lower your premium.

Call Our Agency for a Home Insurance Quote or Re-Quote

We want to make sure you are getting the best rate and coverage on your home insurance. Contact us to shop our home insurance rates.

8 Tips to Plan a Beautiful Summer Wedding

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Summer weddings are popular! If you’re one of the many people planning a wedding at this busy time of year, these tips can help.

Closeup view of the hands of three bridesmaids in pink holding pink and white floral bouquets.

June and August are two of the most popular wedding months. Warm weather and flowers make weddings more fun and more beautiful. Summer can be challenging, while reserving the venue and other services can be tricky.

Knowing how to manage the many challenges of planning a summer wedding can help make your big day a success. Here’s what to know about planning a beautiful summer wedding.

1. Set Your Budget

Spending too much on your wedding is easy, especially in the summer. Getting married at a time of year can mean paying more for photography, catering, and the venue. Set a budget before signing any contracts or choosing a venue. Once you know how much you can spend, you’ll be better positioned to decide what you can afford.

2. Start Planning In Advance

Venues and services get booked far in advance for summer weddings. Start planning your wedding at least one year ahead of time to get the venue and other services you want.

3. Be Flexible About Your Date

It may take a lot of work to get the venue you want on the date you want, especially if you’re aiming for a Saturday wedding. If you’re flexible about your wedding date, it may be easier to get your event on the schedule.

4. Prepare for Heat or Rain

It might be hot on the day you get married. Or, it might rain. Or both things could happen at once! If you’re planning an outdoor wedding or reception, heat and rain can impact everything from your hair to the quality of your food. Be prepared in advance for all types of weather.

5. Provide Shady or Indoor Locations

You might be planning an outdoor wedding, so provide your guests with sheltered areas where they can escape if the sun is burning or a misty rain falls. You might provide a tent, an indoor facility, or both.

6. Have Your Wedding During the Cooler Parts of the Day

Midday might seem like a logical time to get married, but it might also be the warmest. Planning your wedding for the morning or evening will allow you to escape the worst of the heat, so you can focus more on the ceremony and less on how hot it is.

7. Dress for the Weather

Some outfits are more comfortable in hot weather than others. Here’s what to watch for when choosing a dress or suit for the day:

  • Skip the train. The train on your dress may weigh it down and make you less comfortable. Avoid dresses with too much fabric.
  • Wear lightweight (and light-colored!) fabrics. Breathable fabrics will allow you to stay cool without sweating through your clothes, while light-colored fabrics will reflect the heat into the air rather than absorbing heat throughout the day.
  • Wear a crown of paper flowers (not real ones). If it’s too hot for a flower crown (which might wilt in the summer heat), consider a crown of paper flowers – or a tiara instead.

8. Consider Wedding Insurance

You can benefit from multiple types of wedding insurance at your summer wedding. Some types of wedding insurance cover injuries and others reimburse for cancelations or postponements. Both can be beneficial under certain circumstances. Call your insurance agent today to learn more.

Should You Insure A Golf Cart?

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Golf Cart Insurance

Golf carts aren’t just used for the golf course. Many people use as an easy transportation around their neighborhood.

Depending what state you live in, insurance for your golf cart is either required or optional. Golf cart insurance is going to provide you with the best coverage versus simply relying on your home insurance policy for coverage. Home insurance can also deny coverage if you get into an accident or injure someone away from your property.

What protection does golf cart insurance provide you?

Similar to car insurance, golf cart insurance can provide you with a wide variety of protection.

Property damage liability – if you damage someone’s property with your golf cart, this can pay for the damage.

Bodily injury liability – if you injure someone who is not a passenger with your golf cart, this can pay for the medical bills.

Guest Passenger liability – if you injure your guest passenger who is riding with you, this may pay for medical expenses.

Collision insurance – this coverage can pay for any damage you cause to your golf cart if you get into a collision with another object.

Comprehensive insurance – this can provide coverage if something happens to your golf cart such as fire damage, theft or any other event that causes damage.

Uninsured motorist coverage – this coverage helps pay for damage on accidents where you are not at fault. If you get into an accident with someone else who is at fault, but that person doesn’t have insurance or doesn’t have enough insurance to cover the damage, uninsured motorist coverage may kick in.

Medical payments – this can provide coverage for medical bills related to you and your guest passengers regardless who is at fault for the accident.

Frequently Asked Questions about Golf Cart Insurance –

I have a home and auto insurance policy, if I choose not to buy a golf cart insurance policy, am I covered by my other insurance policies?

Auto insurance rarely provides coverage for golf carts. Your home insurance may provide some coverage for your golf cart, but only if you have a claim that occurs on your property. We don’t recommend relying on this coverage because it can be minimal. Talk to an agent in our office about what your home insurance could cover. If you get into an accident away from your property, most likely your home insurance will deny any coverage.

Is golf cart insurance affordable?

Definitely! Insurance premiums vary based off of what coverage you want to purchase. If you want to purchase all the coverage options above, your cost will be more versus just purchasing liability insurance.

Other factors that play a role in your premium – your driving history, your vehicle, if you wish to pay yearly or monthly or taking a safety course.

Call our agency for a free insurance quote! If you have other policies, we can bundle with your current insurance carrier to provide you with additional discounts.