<![CDATA[All in One Insurance Group - Blog]]>Sat, 17 Jun 2017 17:04:36 -0700Weebly<![CDATA[Always shop for auto rates prior to annual renewal]]>Mon, 06 Feb 2017 22:23:35 GMThttp://allinone-insurance-group.com/blog/always-shop-for-auto-rates-prior-to-annual-renewalAuto insurance quotes can help clients find the best discounts in their area. Clients can now get multiple quotes in just a few minutes. Finding low-cost coverage is essential for maintaining an advantageous plan for an extended period. The best way to compare car insurance quotes is to visit an Independent Insurance Agency at http://www.allinone-insurance-group.com.

Always compare auto insurance quotes before renewing coverage.

When moving to another state, drivers should not cancel their current policies before purchasing a new one. Online car insurance quotes can be very helpful in choosing a new provider. An auto insurance quote shows valuable information about the policy. By comparing various plans, clients can learn how much they would have to pay for coverage and what benefits they will get under the policy.
Even if the driver chooses to remain with the same provider, a new policy may have to be issued. This is because of the new state laws that will apply. Insurance state laws can vary significantly, and various new taxes may apply.

When completing the online form, drivers also have some options for customizing their insurance plan. They can select the desired type of auto insurance and amount of coverage. Benefits should be the main reason for purchasing vehicle coverage and drivers should make sure they always choose sufficient financial protection.

Auto insurance is a necessary and vital investment. Clients should always review multiple plans before making a purchase. A policy can cover expensive car repairs and provide medical coverage for serious injuries.

When renewing auto insurance, clients should always compare multiple online quotes. Drivers can save more on coverage by comparing prices.

All in One Insurance Group is an Independent Insurance Agency that works with over thirty (30) Standard and Preferred A & A+ rated insurance providers of auto, life, home, business, electronics, photography and insurance quotes. The All in One Insurance Group website is unique because it does not just stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place. This saves time. Potential customers have access to quotes for insurance plans from various insurance companies, such as local or nationwide insurance companies, and brand names insurance companies. 
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<![CDATA[Don't leave home without this]]>Thu, 17 Mar 2016 17:11:23 GMThttp://allinone-insurance-group.com/blog/dont-leave-home-without-this​NBC affiliate WJAR in Ohio reported the story of a couple, married for 57 years, forced to cancel their cruise to New Zealand and Australia after the husband became ill and was diagnosed with cancer. Attempts to get refunds or transfer the cruise to someone else failed, except for the cruise line honoring the contract, which allowed for a 25% refund, according to WJAR. 

They could have gotten back most of their $19,000 trip cost, had they spent another $760 on travel insurance, WJAR reported. 

Their experience is an unfortunate example of the value of travel insurance. Unforeseen illness or injury is covered by the standard policy language in plans that include trip cancellation coverage. You never know what’s going to happen, and this couple never expected a cancer diagnose to cancel their trip of a lifetime. The cruise line’s 25% refund came just before the husband died. 

Don't let this happen to you.  All in One Insurance Group can help you find an affordable policy with trip cancellation coverage. Call us at 425-337-2456 or 1-800-742-1896 for a free no obligation quote.]]>
<![CDATA[Shopping For Car Insurance 101 ]]>Thu, 11 Feb 2016 23:04:55 GMThttp://allinone-insurance-group.com/blog/shopping-for-car-insurance-101Shopping for car insurance can be a daunting task, which is why many people stick with a policy that may be more expensive than they should be paying.  It does take some time and effort to get good, accurate quotes for your insurance, but the payoff can be lower rates and in some cases even better coverage.  If you are ready to shop for car insurance, here are the things you need to know.
 
The Internet Is  Not The Only Way
 
With new online quoting systems, you can easily obtain many quotes in a short period.  This is a great advance and a perfect starting point for gathering some basic rate information.  The main problem with this is that the quotes are not always as accurate as they should be.  Online quoting systems can give you an essential idea of what you can expect to pay with each company, but they do not usually gather all of the necessary information from you to provide the most accurate quote.  Start with internet quotes, but be prepared to dig a little deeper.
 
Know Your Coverage
 

When you start looking for auto insurance quotes, you should go in knowing what type and level of coverage you want.  Unless you can provide this information, your quotes can come in at varying levels of coverage based on either state minimums or the most popular coverage levels that company offers.  These may not be the right levels for you.  Spend some time learning about your coverage and what you need.  Chatting with an agent is a great way to determine this.  Armed with the right coverage levels, you will not waste time on quotes that aren't right for you.
 
Get Quotes In Writing
 
It is a lot easier to compare and contrast insurance quotes when you have them in writing in front of you.  Rather than simply writing down a premium number over the phone, ask to have the breakdown of the coverage and rates emailed or faxed to you so that you can look them over in detail.  When you have several quotes in writing, it is easier to spot discrepancies between the quotes.
 
Check Company Reputations
 
Before taking that quote that sounds like a dream come true, it is a good idea to take a look at the company's reputation and track record.  The internet is an excellent source for consumer opinions and reports, and can help you to find out which companies are known for excellent customer service, and which fall short.  It is also good to know which companies have a reputation for settling their claims quickly and to the satisfaction of their customers.
 
Remember that you are the consumer, and like any other major purchase, finding the right auto insurance takes a little time and investigation.  If you are willing to do the research, you are likely to be a lot happier with your decision.]]>
<![CDATA[Gateway To The Best Car Insurance Deals is via an independent insurance agency website! ]]>Mon, 07 Dec 2015 20:10:06 GMThttp://allinone-insurance-group.com/blog/gateway-to-the-best-car-insurance-deals-is-via-an-independent-insurance-agency-websiteEVERETT, WA, Dec. 7, 2015, All in One Insurance Group has released a new Blog post explaining the importance of using an online brokerage website for finding insurance quotes.

An online brokerage website like All in One Insurance Group specializes in getting multiple car and other insurance quotes from top agencies in any area. The brokerage services are free and available to anyone living in the United States. Here, drivers will be able to get multiple offers from various agencies in their area.

The benefits of getting quotes from an Independent Insurance Brokerage website are:

1.     Clients can learn more about auto insurance. Knowing the basics of car coverage is crucial. On a professional brokerage website, drivers can get from the blog section all the information they need for buying an advantageous policy that suits their vehicles.

2.     Drivers will get multiple quotes from various agencies. A Captive Agency (Allstate, StateFarm, Farmers, American Family Insurance, Horace Mann, etc.) will only offer quotes and information about their policies. A Professional Independent Brokerage website, instead, searches for relevant plans which it selects from multiple insurance companies. Independent Insurance Brokers do not favor a certain provider, and the comparison is more efficient.

3.     It is faster to compare prices. Instead of losing time calling or meeting with different brokers, drivers can now compare prices on a single web page. The process is simple and very easy. Drivers will only have to complete a single online form to get rates from multiple insurance companies.

In the end, comparing online auto insurance quotes is easier on a website that specializes in this. Clients will be able to compare multiple plans, get all the information they need and save money in just a few minutes, without having to pay anything.

We can get the best car insurance quotes for any driver, and we can do it fast and in a straightforward way. Stop spending time when shopping for auto insurance and start saving money.  All in One Insurance Group is an online provider of life, home, health, business, travel, electronics and auto insurance quotes. This website is unique because it does not only stick to one kind of insurance provider but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies.

For more information, please visit: http://allinone-insurance-group.com.


Read more about All in One Insurance Group: http://www.allione-insurance-group.com



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<![CDATA[ "Price optimization" Puts the Screws to Loyal Car Insurance Customers.  Do you Fall into this Category? ]]>Mon, 02 Mar 2015 23:04:51 GMThttp://allinone-insurance-group.com/blog/-price-optimization-puts-the-screws-to-loyal-car-insurance-customers-do-you-fall-into-this-category
Price optimization is a little-known technique that penalizes loyal auto insurance policyholders by charging them higher rates because their insurer believes they are unlikely to shop around for a better price. By mining data on customers and testing incremental price increases, some insurers try to predict who is less likely to switch companies, and then charge those customers more in order to squeeze out higher profits.

The practice is under review by some state insurance regulators,thanks to the spotlight shined on it by the Consumer Federation of America (CFA).

The CFA, a consumer advocacy group, recently pointed to an Allstate insurance filing in Wisconsin. CFA Director of Insurance J. Robert Hunter says the filing shows that car insurance companies“are bringing new illegal pricing structures into the insurance market.”Insurers use “big data” to identify customers unlikely to switch carriers and then charge them more, he says.

Allstate denies this, as does the Insurance Information Institute, which speaks for the industry.

Nevertheless, the CFA study has prompted several state insurance
regulators to investigate price optimization, as well as the National
Association of Insurance Commissioners (NAIC), which sets the guidelines for all 50 states.

The Maryland Insurance Administration had already informed car
insurance companies that this practice violated its state code and had to be
fixed at the start of this year.


Paying Eight times as Much for Car Insurance

According to
the CFA’s analysis, Allstate’s rate filing in Wisconsin shows that the insurer “micro-segments” its policyholders into groups that could either receive a significant discount or pay as much as 800 percent of the standard premium.
In one example in the filing Allstate indicated that a driver could pay 30 percent more than another driver in the same city with the same perfect driving record just because their birthdays were three months apart.

 In Hunter’s opinion, this shows that Allstate is looking at factors far beyond one’s risk of having a car accident. Instead, car insurance companies try to identify customers who are unlikely to switch companies or even shop for alternatives, he says. That is about 60 percent of all policyholders, according to a Deloitte Consulting study.

Testing Higher Car Insurance Prices

An Allstate spokesperson said the CFA’s allegation does not take into account the risk factors of these two drivers and says its rating plans are based on risk. “Our prices are legal and actuarially sound,” a
spokesperson told Omaha.com.

Neither state regulators nor the CFA are likely to find a smoking gun that shows that auto insurers are using price optimization rather than accidents or traffic tickets to decide how much to charge customers, says Birny Birnbaum, executive director of the Center for Economic Justice. The Austin, Texas-based nonprofit works to increase the availability and affordability of insurance and other goods and services to low-income and minority consumers.

However, that doesn’t mean insurers aren’t doing it. The NAIC’s
investigation shows that auto insurers do listen to firms like Israeli-based
Earnix, which provides “price optimization software,”according to its
website.

 A 2011 report by Earnix, a pricing analytics software provider, said that half of all large U.S.-based car insurers engage in these "segment-level demand models to estimate the effect of rate changes" on customers. And a 2011 Earnix webinar advocated a strategy similar to putting a frog in a pot of water and then heating it a few degrees at a time to see if the frog would jump out before it gets cooked.

Earnix suggested taking a small sample from various groups of customers, then raising premiums on the first tenth by 0.5 percent, the second tenth by 1 percent and the third tenth by 1.5 percent to gauge how high you can go before the customer "jumps." The insurer then knows how much it can raise the group's prices.

And Serhat Guven, an “actuarial innovator” with financial consulting firm Towers Watson, said in
a presentation to the NAIC that price optimization was “not new,” and was used by insurance companies to achieve business objectives such as profit and revenue.

 
The Importance of Comparison Shopping

Just as retailers target specific consumers with appealing prices, so do insurers. However, unlike the retail market, car insurance is highly regulated.

Insurance regulators angered by the practice of price optimization are speaking out. California Insurance Commissioner Dave Jones has warned the NAIC not to “open the door” any further to price optimization. Iowa Insurance Commissioner Nick Gerhart said he was looking into the CFA’s complaint while Nebraska Insurance Commissioner Bruce Ramge told Omaha.com that he was waiting for an NAIC report due out later this year.

However, right now many states allow the practice to continue, according to the CFA’s Hunter. A driver’s best defense? Hunter says, “You better shop around.”

Amy Bach, who heads United Policyholders, a San Francisco-based
nonprofit consumer advocate, agrees.

 “Comparison shopping for car insurance now matters more than ever,” she says. “Not just because insurers are charging more to consumers who don't, but also because there are differences between what competing insurers charge and deliver.” 

Do you fall into this category? Have you done any Auto Comparison Shopping? By being complacent, it is costing you way too much.

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<![CDATA[Specific Words That one Should Never Say to their Insurance Company]]>Tue, 02 Sep 2014 00:27:43 GMThttp://allinone-insurance-group.com/blog/specific-words-thatone-should-never-say-totheir-insurance-companyThink before you speak when filing an insurance claim. The wrong phrase can raise red flags, and can turn what should be a quick, painless settlement into a prolonged nightmare. Avoid these 12 words, which are often used by "over-talkers" and can hinder even the most legitimate claim.

1.   Bite your tongue
When you file a claim with your insurance company for a car accident or home damage, think before you speak. Saying the wrong words during that first phone call can turn what should be a quick, painless settlement into a prolonged
nightmare. Insurance adjusters zero in on certain "trigger" words that indicate you might not have a legitimate claim -- or don't know what you're talking
about.
Here's your strategy: Don't say any more than necessary. Talking too much
only gives you more chance to say something counterproductive.


 2.   'Sorry'
You may say "I'm sorry" out of habit or embarrassment after a car crash, but hold your tongue at the scene of an accident. There's no need to admit fault or
assign blame -- let a police officer determine fault. You don't want your words
to cause confusion about your role in an accident, especially if you weren't at
fault.


 3.   'Whiplash'
Say "whiplash" and the insurance adjuster will probably speed-dial the in-house
counsel. Whiplash claims are the bane of insurance companies, which are on
constant alert against bogus medical claims. Don't self-diagnose your injuries
from an accident. If you suspect trauma, see a doctor and get the medical
report. After a car accident, never speak to the other party's
insurance company before you speak to your own.

4.   'Intentional'
Insurance will cover bad luck and bad judgment, like driving too fast on ice and crashing, but it won't cover intentional acts. If your wife took a bat to your car hood during an argument, or you broke your car window in order to get your keys, get ready to pay for damage yourself.

5.   'Customized'
Your souped-up car might be your pride and joy, but auto insurers are not interested in covering drivers who are careening around in modified vehicles trying to look cool.  Remember that customizing and upgrades to your car may not be covered by insurance -- or only up to $2,000.  In fact, some modifications can void your auto insurance policy.

 6.   'Breakdown'
Your car won't start in the morning. Your axle snaps while you're turning a corner. You don't have an insurance claim; you have a mechanical breakdown. And breakdowns aren't covered by auto insurance unless you specifically added mechanical breakdown coverage to your policy. If your insurer offers it, make sure you understand the details. Does it include roadside assistance and a rental car? What is the coverage limit for repairs and what is excluded?

 7.   'Fine'
Many people have a misplaced tendency to assure everyone they're fine after an
accident, even when they can barely crawl out of the wreck. Let your doctor say
you're fine before you give this information to your insurer -- or anyone else.


 8.   'Ride-share'
Ride-sharing services are flourishing in urban areas, but that doesn't mean they're a smart choice. If your car is used for a purpose other than that for which the policy was issued, you may not be covered. Renting out your car as a taxi service could void coverage. So don't turn your car into a side business unless you've checked with your agent.

 9.   'Off-premises'
"Off-premises" could indicate that your problem isn't covered by your policy. Actual insurance case.  A man who told his insurance company that his specific water damage may have been caused by a backup from an
outside sewer rather than a problem inside his property. His own insurance
company informed him that the damage had to originate on-premises
or it wasn't covered. The case went to court, but the owner lost.


 10.   'Coincidence'
Insurance companies cast a wary eye on anyone who insists an unusual situation was just "coincidence.”It's just a coincidence that my car was in that vacant lot on the other side of town and the driver's seat mysteriously caught fire.” Insurers will suspect your car fire was on purpose rather than coincidence.

 11.   'Termites'
Most policyholders don't realize that termite damage is excluded from a homeowner’s policy, which is unfortunate since these critters munch more than $5 billion worth of property each year.  Schedule a yearly termite inspection to
protect your property and ensure that you don't have a costly -- and uninsurable problem.

 12.   'Mold'
Mold is also excluded from your homeowner’s policy, unless the mold is a direct
result of a covered event. A solid example is a burst pipe that caused water
damage could also produce mold, in which case everything stemming from the
popped pipe would be covered.


 
Tips for Reporting an Insurance Claim
 First, stay calm. Even though something bad has just happened -- your car is wrecked, firefighters are rolling up the hoses at your burned-out house -- you shouldn't call your insurance company if you're still shaken up.
Second, locate and read your insurance policy before making the call to
ensure that what happened is actually covered.
Third, don't forget that it's your money. You purchased the policy
specifically for these types of problems. Speak confidently and don't feel
compelled to justify yourself to that anonymous voice on the phone. It's his or
her responsibility to work with you.

For personalized service from a knowledgeable Local Independent Insurance Agency call All in One Insurance Group so that we may answer any questions
you may have. We can be reached @ 425-337-2456

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<![CDATA[eleven Little-Known Car Insurance Discounts]]>Mon, 19 May 2014 19:15:37 GMThttp://allinone-insurance-group.com/blog/eleven-little-known-car-insurance-discountsThis list could save some drivers hundreds of dollars a year.

Drivers with short commutes, who own their home or who don’t drive every day
of the week are among the many consumers eligible to save hundreds of dollars
each year on car insurance. Many consumers are not even aware of this or
necessarily know it.  It is one of those best kept secrets!

Did you know that the average American spends $762 per year on car insurance?  Depending on where you live, you’re more—or less—likely to score big discounts. Missouri residents get the most discounts (discounts are available about 33.1 percent of the time), followed by Connecticut (32.6 percent), Indiana (32.3 percent), Wisconsin (32.1 percent) and Iowa (31.7 percent.

Meanwhile, residents of North Carolina tend to get the fewest discounts (discounts are available about 13.2 percent of the time), followed by Hawaii (14.5 percent), New York (20.3 percent), Massachusetts (20.5 percent) and Michigan (20.9 percent).

While it’s hard to pick up and move, the good news is that you can score car insurance discounts no matter where you live. The most common discounts—and the ones that most of us have heard about—include those for being a good student (77 percent of the insurance carriers offer this with an average 16 percent discount), having a home policy with the same company (68 percent offered this with a 9 percent discount), paying all of most of the bill upfront (46 percent offered this with a 9 percent discount), being married (41 percent offered this with a 14 percent discount) and taking a driver training course (41 percent offered this with a 7 percent average discount), the Insure.com survey revealed.

FIND THE BEST INSURANCE RATES

There are many more discounts that, though less common, still can produce significant savings if you can get them.The right discount can knock hundreds of dollars off your car insurance bill.  Many discounts aren’t advertised or automatically offered:  Often you just have to ask to start saving some money. As a consumer one should always call and ask about specific discounts when you are looking for a new policy, and if you already have one, you should ask annually. People should also ask about discounts after a major life event like a divorce or a shortened work commute.

Here are eleven little-known discounts—and what they can save the average consumer.

Annual mileage: $84
Consumers who drive less—typically 7,000, 10,000 and 12,500 miles per year -- may be eligible for discounts (13 percent of insurance company’s out there offer this discount and the average savings was 11 percent. That means that the average customer  who spends $762 per year on car insurance,) who scored this discount would save an average of nearly $84 per year.  That is $84 in your pocket and not the insurance companies!

Use of Car: $76
People who use their car primarily for farming (someone who mainly drives his truck around the farm, for example)—as opposed to business or pleasure—will get the steepest discounts. Roughly 40 percent of companies offer this discount with an average savings of 10 percent. That is $76 in your pocket and not the insurance companies!

Advance renewal: $61
More than one in four insurance companies offers a discount to those who renew in advance, typically 7 to 10 days ahead of schedule. The savings is significant—8 percent on average—which would save the average consumer nearly $61 per year. That is $61 in your pocket and not the insurance companies!

Customer loyalty: $46
“The industry rewards loyalty.” In particular, companies tend to give discounts for consumers who have been customers for a year, 36 months and/or 60 months. More than one in three insurance companies offer this discount and the
average savings was 6%. That is $46 in your pocket and not the
insurance companies!


Homeownership: $46
People who own their own homes, condos or apartments can save an average of 6 percent off car insurance. Fully 21 percent of insurance companies offer this deal. That is $46 in your pocket and not the insurance companies!

Concurrent life insurance policy: $30
While most people know that they can get an auto insurance discount by holding a homeowner’s insurance policy with the same company, the bundling also works with life insurance. The discount in this case is usually 4 percent—and roughly 37 percent of companies offer it—which would save the average person more than $30 per year. That is $30 in your pocket and not the insurance companies!

Using electronic funds transfer: $30
Because companies want to get paid in full and on time, many offer a discount to drivers who allow companies to automatically deduct payments from their bank accounts. More than one in three insurance companies offer this discount and the average consumer would save 4% by opting for this option. That
is $30 in your pocket and not the insurance companies!

Short commutes: $30
People who commute to work for shorter distances—typically five, 10 or 15
or fewer miles—can often save money. Fully 22 %of insurance companies offer this discount and the average savings was 4%. That is $30 in your pocket and not the insurance companies!

Days per week driven: $30
Eight percent of companies offer a discount for people who don’t drive every day. Typically, the discount is for those who drive one, two, three or four days per week. The average savings is 4%. That is $30 in your pocket and not the insurance companies!

Car ownership: $30
People who own rather than lease their car may be able to save: Roughly 7 percent of companies offer this and the average discount is 4 percent. That is $30 in your pocket and not the insurance companies!

College degree or higher: $30
Only 6 percent of companies offer this discount—some for getting a Bachelor’s, Master’s or Ph.D. and occasionally for completion of vocational or technical school. The average savings is 4 percent. That is $30 in your pocket and not the insurance companies!

Have you ever inquired about getting these discounts? When last did you check with your current insurance agent and or insurance company and see if you are getting these discounts? If you haven’t already done so, what are you waiting for?  Happy savings!!



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<![CDATA[BENEFITS OF AN UMBRELLA POLICY]]>Tue, 06 May 2014 19:27:07 GMThttp://allinone-insurance-group.com/blog/benefits-of-an-umbrella-policyEvery day the newspaper has stories about lawsuits filed for every possible reason. They range from serious injuries resulting from tragic accidents to seemingly silly disputes. If the day comes when you're served with legal papers, it's imperative that you have insurance to cover your legal liability. 

That's where a personal liability umbrella policy can help you. Umbrella policies, as they're also known, supplement the liability coverage you already have through your home and auto insurance and provide an extra layer of protection. 

Umbrella policies aren't just for the wealthy — they're for anyone who has assets that might be at risk if they are responsible for a serious accident. 

If you don't have enough liability coverage to resolve a claim or a lawsuit, the person bringing the action might go after your home or your other assets to pay for damage. Umbrella policies cover damage claims that you, your dependents, or even your pets may cause. 
 
How it works 

Umbrella policies kick in after the liability insurance in your homeowners and auto policy runs out. For example, if you have a home insurance policy with liability coverage of $300,000, the umbrella policy will pay claims above that amount up to the limit selected. 

Umbrella policies pay in addition to your liability limits. For example, if your liability limit on your auto insurance policy is $250,000 of bodily injury protection per person and $500,000 per accident, your umbrella coverage would kick in after you have exhausted your auto liability coverage. 
 
Most of the risk is assumed under the primary auto or home policy, which is why personal liability umbrella is so inexpensive. You can buy a $1 million or larger umbrella policy for less than $200 a year. 
 
Many companies won't sell you an umbrella policy unless both your auto and home insurance coverage is with them. In addition, your insurer may stipulate that your auto or homeowners liability limits be at least a certain amount, such as $250,000 to $500,000. Umbrella policies are usually sold with a deductible that might run anywhere from $250 to $1,000. If you're on the hook for a multimillion-dollar lawsuit, that's a small price to pay. 
 

More than your average liability coverage 
 
When you buy a personal liability umbrella, you're getting more
than just higher liability limits. You're also buying broader coverage in case
you're sued. The insurer selling the umbrella policy agrees to cover you if you
cause bodily injury, property damage, or personal injury. 
 
The personal injury protection offers coverage not found in your auto and homeowners policy. Generally, personal injury encompasses false
arrest, false imprisonment, malicious prosecution, defamation, invasion of
privacy, wrongful entry, or eviction.
Most primary policies cover bodily
injury and property damage, but not personal injury. Certain umbrella policies
also provide coverage if you face liability arising from your service on the
board of a civic, charitable, or religious organization. 
 
Protection against claims and lawsuits does more than simply pay for the damages. Even if a lawsuit is frivolous, you still face the expense of
defending yourself. Your liability coverage pays for lawyer fees and defense
costs, which can quickly add up. 

Do I need an umbrella policy? 
 
As with any type of insurance, you don't want to buy unnecessary coverage. Start by analyzing your risk of being sued and the assets you have at risk.
 

Perhaps your family has a swimming pool, trampoline, or swing in
the backyard that pose a danger. If you have frequent visitors to your property, there's a risk of accidental falls. What if you have a rental property?
Maybe you're a golfer who narrowly misses hitting someone during every round. 
 
On the other hand, your personal situation may make lawsuits
extremely unlikely. Maybe you don't own a breed of dog that's a threat to
anyone, unless it manages to lick someone to death. 
 
In any event, at a time when million-dollar verdicts aren't uncommon, umbrella policies are worth considering. 


  


  

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<![CDATA[Should You Purchase Rental Car Insurance?]]>Tue, 08 Apr 2014 17:31:27 GMThttp://allinone-insurance-group.com/blog/should-you-purchase-rental-car-insuranceRental Car Coverage is Always Necessary if....

When you rent a car, it can be hard to know if you need rental insurance
coverage. For some drivers it's a necessity, and for others it's a redundant
expense. After battling security checks, turbulence and baggage claim, weary
travelers often face puzzling choices at the car rental counter. Should you buy
the rental car insurance offered by the rental car company, or is it enough to
depend on your own insurance coverage or the credit card for coverage? Just
understand that the credit card does not provide liability insurance and doesn't
cover you for damage, injury or death that you cause to your own vehicle or to
someone else’s vehicle!

Most credit cards offer some kind of free coverage for damage or loss to a
rental car resulting from an accident or theft as long as you charge the rental
to that card. Keep in mind that if you have solid car, health, and
homeowners/renters coverage
, you can probably decline the extra protection and save a fair amount of cash. But if you're less than optimally insured, you may want to add rental car insurance.

Know your current coverage’s
Check your car insurance policy or call your insurance company or agent to find out which coverage’s extend to your rental car. The limits and deductibles on your policy still apply to your rental car so long as you drive it for personal use. If it's a commercial or business rental, your personal car insurance coverage may not apply.

If you'll be paying for the rental with a credit card, check with your credit card company to see what additional rental car coverage is provided.
Call the number on the back of the card you use to pay for the rental before
buying extra protection.


Know your at-the-counter options
 Loss-damage waiver (aka collision damage waiver)
Typically waives financial responsibility if the rental car's
damaged or stolen; also covers loss-of-use charges while the rental's in the
shop, towing charges, and related fees
• Costs roughly $9–$19 a day

 Liability coverage
• This state-required coverage protects you from potential lawsuits
• Costs around $7–$14 a day

Personal accident insurance
• Covers medical costs after an accident
• Costs $1–$5 a day

 •Personal effects coverage
• Insures what you keep in the rental car
• Costs $1–4 a day

The tempting add-on
Of the 4 rental car insurance coverage’s listed above, the loss-damage waiver offers the most protection. But if you have comprehensive and collision coverage on your car insurance policy, the value of your rental car is covered even in the event of a total loss. You'll only be responsible for the deductible, plus any added fees from the rental company.
Check with your insurer on whether rental car insurance is a good idea before you make a decision, and ask about potential administrative and loss-of-use fees levied by the rental company. Your comprehensive and collision coverage may be all you need.

Depending on your policies …
If you have reliable car insurance, renters/home insurance, and health insurance, you can save a good chunk of change by declining the other 3
coverage’s.  Here's why:

 •When you buy car insurance, you're required to buy a state-mandated amount of liability coverage (except in New Hampshire, where it's optional), meaning you likely won't need to add it at the counter.
•If you have health insurance, consider declining personal accident
insurance if your health plan covers accident-related injuries. If you have
personal injury protection and/or medical payments coverage on your car
insurance policy, it would also offer the same protection if an accident
occurs.
•And finally, if you have renters or homeowners insurance with
off-premises coverage, your things are already insured before you stash them in
the rental car. So consider declining personal effects coverage as well.

Declining these 3 coverage’s can save between $126 and $294 on a
week-long rental.

When rental car insurance coverage is a good idea if:
 
  • You're not currently insured, you'll need to at least buy liability coverage
    from the rental company before you hit the road. Otherwise, rental insurance isn't legally required — which is not to say it can't help. If any of the following scenarios apply, the extra protection provided by rental insurance is worth considering:
     •Your current policy doesn't have comprehensive and
    collision coverage
    •You're only insured under a commercial car insurance policy
    •You don't want to risk paying a high deductible,and if you're driving abroad (apart from Canada), your current car insurance probably won't
    cover you. Check your policy's declarations to find out.

The truth about rental car insurance coverage
Adding the extra coverage’s can be a waste of money if your car insurance policy already provides the coverage you need. Take a few minutes to find out if your existing car insurance, your credit card company, your health plan, and/or your renters or homeowners insurance have you covered.

You could save a pretty penny and leave the rental counter knowing
you made the right decision.




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<![CDATA[Are you playing Russian Roulette?]]>Sun, 30 Mar 2014 19:09:47 GMThttp://allinone-insurance-group.com/blog/are-you-playing-russian-rouletteWith the recent earthquakes in California, all one has to do is to connect the dots and realize once again that the whole West Coast sits on a major fault zone.  This latest 5.1 on the Richter scale earthquake, and the tragedy that happened in OSO, Washington might be correlated; however there is inconclusive data that supports this theory?  People have suggested that the OSO area experienced a one point on the Richter scale Earthquake before the mountain gave way, and an avalanche of mud came roaring down, and with it a path of destruction and a whole lot of hurt. Nobody, however, can verify that theory.  We all know that the “Big One” or even the “Small One” will eventually hit our area.  We just don’t know when?

Are you playing Russian roulette with the most expensive investment you may have?  Do you like to hear the click of the gun that just went off near your ear and you realized you just dodged a bullet, with no pun intended!

If you own a home, condo, townhouse, or even if you rent, if you
don’t alreadfy have an earthquake policy in place, you’re definitely playing Russian roulette!  Anyone in California that wants to obtain an earthquake policy today will find that they are out of luck!  All the insurance companies have placed a moratorium on accepting new earthquake policies for a period of up to 30 days.  They would have to wait up to 30 days from the last earthquake, aftershocks, and/or tremors before any insurance company would issue an earthquake policy.

So keep in mind if you don’t already have in place an earthquake
policy in the state of Washington, and we experience an earthquake even one
that is a ½ point on the Richter scale, you would be too late to get insurance,
you would have to wait the standard up to 30 days until there are no more earthquakes,aftershocks and or tremors.

Ask yourself this, would it be easier for you to come up with 10% or 15% of the value of your home, or do you feel more comfortable coming up with 100% of the value of your home, ever? I believe we all know the answer to this question, so why don’t you carry earthquake insurance? 

What is Earthquake Insurance?

Earthquake insurance provides coverage if your home is damaged
by an earthquake. Your standard homeowner and renters policies will
not
cover earthquake damage. Earthquake insurance is a separate
endorsement you must buy and add to your homeowner or renters
policy. An earthquake endorsement generally excludes damages or losses
from floods and tidal waves –even when caused or compounded by an earthquake. However, if you experience a loss due to a landslide, settlement, mudflow, or the rising, sinking and contracting of earth, your endorsement may cover it if the damage resulted from an earthquake.

How earthquake coverage works

Unlike most homeowner or renters policies, earthquake insurance
is designed to cover catastrophic damage. Insurers normally sell it with
deductibles equaling 10 to 25 percent of the structure’s policy limit. This
limit works much like the deductibles on your auto insurance. The insurance only
pays for damages that exceed the deductible. However, unlike car insurance, some earthquake policies treat contents and structure separately. You may have a separate deductible for each of the following:
•the contents
•the structure
•unattached structures like garages, sheds, driveways or retaining walls

 What to expect from insurers when buying an earthquake policy

Some insurers may require an inspection of your property before they will agree to issue a policy. For example, many companies require and will check to see that your home is bolted to its foundation – a practice that wasn’t required by building codes until the early 1960s.

 Other factors an insurer might consider include:
 
•The location and bracing of interior walls

 •Strapping guards to secure fixtures, such as water heaters

•The method used to mount shelves on walls

Many of these improvements are not expensive, while others can be expensive and may require a contractor. You need to think about your individual situation before you decide to take on construction improvements to qualify for earthquake insurance.

Additionally, requirements vary from insurer to insurer. And some insurers may even waive construction changes if you are willing to buy coverage with a higher deductible.

What you can do to minimize damage before an earthquake occurs

 •Make sure your water heater, gas appliances, and other such fixtures are fastened securely.

 •Ensure bookcases, wall hangings, and hanging plants are secure and fastened to walls and ceilings.

 •Make sure you have a family “emergency plan” and all family members know what they should do if an earthquake occurs. Designate a meeting place outside the home where family members can gather once the danger has passed.

 •Designate a distant relative or friend who can serve as a point
of contact and communication for you and your family members if you get
separated.

 •Plan ahead. Keep flashlights, batteries, and candles on hand. Make sure you have a portable radio.

 •When shopping for earthquake insurance, ask the company to help
you identify possible repairs and other improvements that will make your home
safer and minimize damage.

 •Everyone in your house should know how to turn off utilities (electricity, water, and gas) at the home.

Ask yourself this: Are you still going to play Russian roulette with the most expensive investment you may have?  
 



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