Tuesday, February 14, 2017

Insurance When You Tie the Knot

February is all about love. In fact, it is estimated that as many as 4 million people will get engaged on Valentine’s Day. Lots a lot of wedding cake!

And with all of that love and wedding planning in the air, it can be hard to think about the boring parts of a marriage.

So we want to make it easy for you. Here are a few things you need to think about in regards to your insurance policies when you tie the knot:

Combine your auto insurance policies. If you both own a vehicle, the easiest thing to do is combine your policies by adding your spouse and their vehicle to your policy. We can take care of this in just a few minutes!

Make sure you and your spouse are listed on every policy. You both need to be on the homeowners or renters insurance so you can get assistance if needed. Do all of them at the same time and you won’t have to worry about it again.

Schedule an overall review. When you combine two households you will obviously have more belongings! Speak with your agent and verify that you have enough content and liability insurance to cover any new assets.

Purchase life insurance. It’s your honeymoon and you don’t want to think about death, but now is the time to get this very important coverage in place. It doesn’t cost much and will give you peace of mind that the person you love will be taken care of in the future. It’s really the very best gift you can give to those you love.

The best part of this? It doesn’t have to be hard! In fact, one short appointment can take care of every item on the list. Give SAV-ON Insurance a call today at 888-867-2866 to schedule a review with one of our agents.

Thursday, January 19, 2017

Insurance New Year's Resolutions

2017 has arrived, and with it come resolutions and goals for a fresh start over the coming months. Don't forget to include your insurance goals in your planning this year.

If one of your resolutions for this year was to get organized, then here are some tips on how to get financially fit in 2017!  At least as far as your insurance goes...

1. Set up a meeting with us! Each year, we like to do a policy review with every client.
It's a good idea to get a yearly policy review with SAV-ON.
We look at all of your policies and update your information. Insurance needs tend to change with major life events so if you got married, had a baby, changed jobs, retired, or anything else in the last year, you probably need a review. Many times you qualify for new discounts or we can point out ways to help you save (like getting a multi-policy discount!) 

We can schedule this meeting over the phone or in the office, whichever is easier.

2. Get a life insurance quote.  For some reason, life insurance is one of those things that gets neglected.  People know deep down that they need it, but often never get around to actually purchasing any. But, the older you get the more expensive the policy becomes. Procrastination can get expensive!

Many times you can get a basic term life insurance policy for $50 a month or less.  (This depends on age and health status, so it varies for everyone.) Term life insurance, as opposed to whole life, has a specific number of years it's in force. You determine how many years you will need it. The longer the term, the less expensive it is per year.

Keep a copy of your current policies handy.
3. Organize your insurance documents.  Keep a file with a copy of your current auto, home, and life policies in one easy-to-find place.  When your renewal comes in the mail, you can throw out the old copies.  Some people also like to keep a copy of their life insurance with their attorney or in a fireproof safe.  We can always help you get a copy if you need it! 

4. Put you current auto insurance card in your glove box and throw out the six old ones that are likely crumbled up in there.  :) 

That’s it!  Take care of these items and you’re on your way to being organized and properly covered in 2017. Call SAV-ON Insurance at 888-867-2866 or visit www.sav-on.com and schedule a meeting at any of our locations. One of our friendly agents will be happy to help you sort this all out!

Friday, December 30, 2016

Prepare for Winter Storms Now!

The new year is upon us, and with it the forecast of very cold weather, with even some snow and icy conditions possible later in the week. There are a number of things you can do before the storms hit to protect yourself and your family from the effects of this wintry weather.

Create a Home Winter Prep Kit

First things first, you want to have the right supplies on hand.  Create a basic emergency kit that includes a battery-powered radio and at least one week’s worth of food and safety supplies.  Also include:
• Drinking water
• Canned/no-cook food
• Non-electric can opener
• Prescription medicine as needed
• First aid kit
• Bag of cat litter or sand to add traction on walkways
• Battery-powered lamps
• Carbon monoxide and smoke alarms in working order

An Emergency Kit for Your Car

For all of us who can't fix anything with gum wrappers and a Swiss army knife, there's hope! Our claims team, along with the Washington State Department of Transportation, has put together a list of must-haves you'll want to assemble and keep in your car to make sure you're prepared for anything on the roads:
• Crank flashlight (so you'll never have to worry about dead batteries)
• Synthetic blanket (one that sheds water)
• Nonperishable food (energy bars are a good choice)
• Water (replace every six months)
• Gloves (two pairs: disposable latex if you need to render first aid; warm and wooly for putting on tire chains)
• Boots
• Cell phone charger (that plugs into your car's accessories socket)
• Tire chains
• Ice scraper/snowbrush
• Jumper cables
• Flares or warning triangles
• Sand, salt, or non-clumping cat litter to help with traction
• Antifreeze and windshield washer fluid
• Fire extinguisher
• First aid kit (that includes a seatbelt cutter)
• Whistle to signal for help. (A potential lifesaver if your car slides into a ditch and can't be seen from the road.)

Prepare Your Home

In addition to the snow, the New Year’s forecast is expected to include some of the consistently coldest temperatures we’ve seen in the last two years. With that in mind, now is the perfect time to start taking preventive steps so your water pipes don’t freeze.
  • Wrap any exposed pipes with insulated materials
  • Put bibs on all outdoor faucets
  • Leave one inside faucet trickling to keep water moving
  • Have an alternative heat source in case the power goes out
The most important thing you can do? Be prepared! A benefit to winter storms is that you generally have plenty of warning that one is on the way. Don’t wait until the roads are icy and dangerous. Get your supplies packed, your pipes protected, and a backup plan in case of a power outage.

And make sure that you have great homeowners insurance, in case something bad happens!  We can help with that.  Call SAV-ON Insurance at 888-867-2866 or go to www.sav-on.com for a free quote today.

We hope that taking these small steps now will help save you from big winter problems later.

Tuesday, December 20, 2016

Protect Your Belongings This Holiday Season

The holidays have officially arrived!  And for many of us that means shopping, gifting, decorating, partying, and traveling.  And a whole lot of it!

We are always on the look-out for things that might put our clients at risk.  That’s why I wanted to share a few quick reminders this month to make sure you avoid any potential claim situations.

1. Be careful if you get a live Christmas tree.  Real trees are beautiful but can be hazardous.  Water your tree daily and turn the lights off at night and when you won’t be home to avoid a house fire. Dry needles can explode in flames and burn quickly!

2. Don’t leave gifts in your car!  A lot of people don’t realize that items in their car are NOT covered by auto insurance.  While property off premises is covered by home and renters insurance, it is typically subject to a much higher deductible.  If you must leave anything in the car, put it in the trunk and lock the doors.

3. Traveling out of town?  Don’t make it too obvious!  Leave lights on in the house, stop your mail, and leave your number with a trustworthy neighbor who will keep an eye on your home.

4. Make sure to keep an updated insurance card in your car when you travel.  Not only is it good to have if you get pulled over, but all the information you need is in one place if you had to make a claim.

5. Received some special jewelry for Christmas?  Make sure to call us!  We’ll review all of your options to make sure it is properly covered and protected. 

And most important?  Have a safe and joy-filled holiday! 

Merry Christmas from all of us at SAV-ON Insurance!

Wednesday, November 30, 2016

Why It's Important to Schedule an Annual Insurance Review

The start of a New Year is almost here!  And that means it’s time to get organized. You’re probably already planning to clean out your closets and organize the garage…but what about your insurance?

We urge our clients to take a few minutes each year to meet with one of our agents and review their current policies. Why? Because things change! 

Here are a few times when you might need to update your insurance policy:

You Got – or are Getting – Married – A new household means lots of insurance updates!  You probably need to combine your insurance as well as make sure both of you are included on all of the policies.  You may qualify for additional discounts, like multi-policy or multi-car.

You Had a Baby – While a new baby won’t change your basic policies, it probably means it’s time to discuss life insurance.  We can give you a quick quote and look at the right coverage for your growing family – or even just update the beneficiary information on your current policy.

You Have a Teen Driver – If you know that you’ll have a son or daughter learning to drive this year, now is a great time to review your policy and discuss ways to keep it affordable.  We can help you plan for what it will cost to add your teen, as well as discuss options for best rates on new vehicles. If they take and pass a certified driver training course, they can save money on their insurance costs. In addition, impress upon them that if they can maintain good grades in school, this can save even more money on the cost of their auto insurance.

Your Net Worth Has Increased – As your income and net worth increases, you may need to purchase additional liability coverage in order to protect your assets.  Reviewing this information each year can protect your personal and business finances.

You can schedule a time to come in the office by visiting www.sav-on.com, or simply to meet by phone.  We’ll take a look at your policies, discuss your coverage, and check for discounts or gaps in your coverage.   

Call SAV-ON today at 888-867-2866 to schedule your annual review!

Tuesday, November 8, 2016

What is Mortgage Protection Insurance?

Have you ever heard of mortgage protection insurance and wondered what it was?  Well today we’ll tell you all about it!

Mortgage Protection is a type of life insurance policy designed to pay off the mortgage in the event of the breadwinner’s death.

For many people, a mortgage is their single largest debt and it can be stressful to think about that expense if something were to happen to their spouse. 

When we quote life insurance protection for a mortgage, we look at how much you owe on the mortgage and how many years remain on the debt.  For example, if you had a 30-year mortgage for $250,000, then you’d want a policy that paid that amount out for 30 years.

If you or your spouse were to die (or it can be placed on only one person if you have a single income home), then you would receive a check for $250,000 and could use it to pay off the mortgage immediately.  If you had paid down the balance over the years, then any extra remaining could be used however you like.

There are some specific mortgage protection policies that go down in value over time as the mortgage balance decreases and that could be an option as well.

The key is to work closely with your agent who can explain the key differences and find the product that best protects YOUR family.  We can help!  Give us a call today to discuss life insurance for your mortgage and family today. 

Wednesday, September 21, 2016

Fall Home Maintenance - Things to Do Before the Weather Turns Bad

As the warm summer days begin to give way to the chllly, wet fall weather, it’s time to think about home maintenance again!  Keeping your home and vehicles in great shape makes them last longer, look great, and can prevent accidents and claims in the future.

Here are a few things you can do this fall to keep everything in tip-top shape! 

- Gather firewood – If you plan to build fires in the winter, then now is the time to start gathering up that firewood.  You’ll be glad you did when you’re nice and warm in front of the fireplace! 

- Close or install storm windows. Make sure they are sealed well to keep the cold from seeping in (and the heat from escaping).

- Store outdoor furniture and cushions.  They’ll last longer if you protect them during seasons they aren’t being used.  Plus, it will keep pesky squirrels and birds out of your outdoor cushions! 

- Have furnace professionally inspected now! The furnace has been idle most of the summer, so when it has to start working frequently now that it's getting cold, that's when the trouble could start.

- Test smoke and carbon monoxide detectors when you set clocks back in the fall!  Change the batteries, too.

- Clean gutters and downspouts.  This can protect the exterior of your home as well as your roof! Leaves and needles may have accumulated during the summer, and when the rains hit, it can cause downspouts to backup and spill water down your siding and weaken your home's foundation.
- Rake leaves and shred to use as mulch. Wet leaves on sidewalks and driveways can cause falls.

- Check windows and doors for weather-tightness and install weather stripping where needed.

- Clean the oven & stove drip pans.

- Have problem trees trimmed. Winter can bring cold windstorms or even ice storms. A old or overgrown tree can be a danger to fall in this inclement weather and cause extensive property damage!

- Winterize outside faucets, put away hoses and store indoors, coiled and flat. Also, wrap your outside spigots with insulation to keep them from freezing and snapping in cold weather.

Regular maintenance of your home (and vehicles) helps prevent BIG issues later!  What other items do you like to take care of in the fall?  Leave a comment and let us know.