Thursday, September 25, 2014

Insurance: It's Protection for Your Finances, Your Family and Your Future

There are many aspects to successful financial plans.  Most include a family budget, emergency savings, retirement savings, and…insurance!

Let's review the important parts of your insurance financial plan:

Protect Your Stuff

This is what we think of first when it comes to insurance. Fixing your car after an accident and replacing your belongings after a fire. When you review your financial plan, you want to make sure that all of your valuable assets are protected here.  Cars, homes, high-priced jewelry or artwork, boats, motorcycles, RVs, ATVs, etc.  Protect it all and make sure that the deductible is reasonable and that you have full replacement cost coverage. (We would be happy to explain all the details. Just call us!) In the event something is damaged, lost or stolen, you will be extremely happy you took the time to do this.

Protect Your Money

Liability insurance is a misunderstood coverage, but it's extremely important. When you are held responsible for an accident, your assets and money are at risk!  What if your teenager caused an accident and you were sued?  What if you caused a major accident and didn't have enough liability coverage?  Adequate insurance can make sure this doesn't happen!

We look at how much you have to protect (total assets) and create a plan to cover it all. This may also involve an umbrella policy, which adds to the coverage you have, protecting your assets from a major claim against you that your regular insurance won't cover. It is only pennies a day, but is worth its weight in gold!

Protect Your Family 

You can protect all of your belongings, but the ultimate way to protect your family is with good life and disability insurance.  If something happens to you, you don't have to worry about your family being protected.  You can plan to pay off debt, pay for college, or anything else that is important to you.  But, don't put this off. The younger you are when you take out the policy, the lower the premiums. Call us today to get a free quote!

All of this might seem like a lot for think about, but it doesn't have to be.  With a great insurance agent, you can meet once a year and trust that all of these things are taken care of.  Why not take a few minutes to schedule an insurance financial planning review with one of our agents?  Call us at 888-867-2866 today! 

Tuesday, September 16, 2014

Get Your Home Ready for a Cool, Rainy Fall

After a long, warm summer, the temperatures are beginning to drop in Western Washington. That means wet, rainy weather isn't far behind. Now is the time to get those home maintenance chores done before the rains begin.

Here are some simple tasks that you can perform now, before it gets too wet:

Check Gutters and Downspouts -  Take a few minutes to make sure your gutters are clear.  With rain and falling leaves, gutters and downspouts will be working overtime.  By making sure they’re clear now, you’ll avoid water damage later on. It's a good idea to remove your downspouts to make sure they're not blocked with debris. Even if your gutters are clear, a clogged downspout will cause rainwater to back up and spill down the side of your house. This can cause siding damage and wear away the ground along your foundation. By making sure everything is clear now, you'll save yourself a big bill later.

Clean The Dryer Vent - Lint accumulating in the dryer vent can cause a house fire.  A couple of times per year, unplug the dryer and thoroughly vacuum the area around the dryer vent and hose.  Remember to check the outside vent too! 

Gather Firewood - Will you be burning a wood stove or fireplace this winter?  Start gathering up firewood now and save yourself from the task when it’s cold outside. By harvesting wood when it's still dry, and storing in a dry area, the wood will be easier to light and you'll have less smoky fires this winter.

Get Ready For Autumn - Now is a great time to start planting some fall flowers.  Mums make a great addition to your front porch! 

Rid Your Home of Allergens - As the temperatures drop and the days get shorter, people spend more time indoors. Many people suffer from allergies due to dust mites.  But there are ways to rid your home of the dust without spending all day cleaning. Look for where dust lurks. Use a damp cloth to clean all window blinds and fan blades once a month. If you have carpet, make it a priority to vacuum on a regular basis.  These things will get rid of dust and prevent allergies.

Save On Home Insurance - Homeowners Insurance is an important part of protecting your belongings.  To make sure you have the best coverage, call us at 888-867-2866 today for a free, no obligation quote.