What's the beef with bundles? Every time you turn on the television or the radio, you see or hear an insurance commercial talking about the importance of bundling your policies. Why is this so important and how will it impact your life? These are good questions and hopefully I can shed a little light on this latest trend in the industry.
Protect Your Home
Whether you love the snow and cold or are anxiously awaiting spring, this winter has been the worst we’ve seen in many years. Despite your opinion of the fluffy stuff, deep snow and temperatures staying below freezing for so long can put a strain on your home. Leaking roofs, wet basements, chimney fires and power outages are common problems.
Everyone deserves some love and happiness during the holidays. None deserve them more than our pets, who show loyalty and love without expecting anything in return.
In conjunction with WSBG's Cutest Pet Contest, Shirley Katz Insurance wants to help abandoned and mistreated pets find a home for the holidays. From now until the end of the year, we will pay $50 toward the fees of any pet adopted from A.W.S.O.M.
Autumn is upon us once again. Children are back to school, football is in full-swing and hunters are waiting patiently for their season to open. In the Poconos, we can see not only rain, but snow as well before winter officially arrives. Although fall is my favorite season, driving at this time of year brings its own hazards, but with planning and safe habits, you can remain safe on our roads.
How to Survive a Hard Market
In the insurance industry, as in most long-term endeavors, there are periods of growth and prosperity, and there are periods of struggle, loss and down-sizing. In insurance, the two phases are called soft-markets and hard-markets. Since virtually everybody needs some form of insurance in their life, these phases can affect your wallet and your life deeply. They can determine how much you spend for insurance, how much coverage you get for your money, and how protected you are on your policies. A smart shopper should know the differences in the markets and how to protect himself.
Shop Around –Let’s face it, it’s much easier to pick a company and just forget about it. They’re all the same, right? The truth is, insurance companies change their rates regularly depending on how profitable the company is. They may even change several times in a year and know that most people won’t bother to shop around. I recommend getting quotes at least every other year if not more often. If you can save a few hundred dollars, isn’t it worth a phone call or two? Better yet, drop off, fax or email your current policy to an independent agent and let them do all the work.
In order to understand why you pay what you do for insurance, the first step is to grasp what insurance is. In simple terms, insurance is simply a means to pass a risk on to someone else, most often, the insurance company. There are risks involved with driving a car, and most of us couldn’t afford to pay the costs involved in the event of an accident. Therefore, we agree to pay a monthly fee in order to have the insurance company assume this risk. The same holds true for other types of insurance such as home, life and health.