Life Insurance Is For Those You Love

A lot of people put off purchasing life insurance because it seems like a hassle. You don’t want to do any sort of medical appointment. It’s an extra expense. And, for the most part, you just plain don’t want to think about death.

But life insurance isn’t about you. It’s about the people you love. And what better time than February to think about love!

So let’s get real. You do a lot for your family and if you have family members who depend on your income, then you need life insurance

The Sooner the Better

For one, life insurance is cheaper when you are young and healthy! With each birthday you’ll see your premium go up unless you lock in a great rate now. And you don’t want to look for life insurance after you’ve been diagnosed with an illness. So, the best time is right now!

Another great thing about life insurance is that there are a lot of options. And we’re here to discuss all of them with you. You can purchase a policy for the short term or even as a long-term investment. It all depends on how much you can afford to spend and what your family needs are. 

Whatever your situation, sitting down and discussing your needs and budget with an agent is a great first step. We'd love to help you better understand how life insurance will help your family in the event you're no longer around to support them.

Call SAV-ON today at 888-867-2866 or visit our website, www.sav-on.com,  to set up a free, no-obligation appointment!

February Home Maintenance Tasks

During 2014, we’ll be sharing a short list of tasks that you can do to help take care of your home, vehicle, and family. Consider them a helpful reminder of what needs to get accomplished throughout the month to keep your important items protected.

Purchase A Fire Extinguisher
If you don’t have a fire extinguisher in your kitchen, now is the time to get at least one. Plan a family meeting and teach everyone in the household when and how to use it. Easy way to prevent a small kitchen fire from getting out of hand.

Schedule High-Value Jewelry On Your Insurance Policy
Did your Valentine surprise you with a new piece of jewelry? Make sure it’s covered! While your Homeowners or Renters policy will cover jewelry, there are some limitations. Get an appraisal and bring it in so we can discuss the best course of action for your piece. (This also applies to artwork, guns, and other collectibles or antiques.)

Seal Up Drafty Windows - Feel cool air blowing in around windows or doors? Seal them up now! You’ll be glad you did when those summer air conditioning bills arrive.

Newlywed Insurance Review - Did you get married this month? Call us to schedule a newlywed insurance review! We’ll look at your individual policies and discuss how best to combine them for your new household.

Show The Love! - There is no better way to show your family how much you love them, then with the proper amount of life insurance! We can give you a quote on an affordable term policy and help you get this important coverage in place quickly. [Insert any benefits here like no medical exam or a special rate.]

We LOVE our clients! Let us know if we can assist you in any way with your auto, home, business, or life insurance. Call SAV-ON Insurance Agencies at 888-867-2866 or visit us online at www.sav-on.com.

We'd be happy to review your policy to make sure you're adequately covered and to see if we can save you some money, too!

Home Maintenance to Tackle in the New Year

We've compiled a short list of tasks that you can do to help care for your home, vehicle and family.  Consider them helpful reminders of what needs to get accomplished throughout the month to keep your important items protected.

Make A Home Inventory - January is all about getting organized, right?  So what better time to document what you own in case you were to suffer a serious insurance loss (like a fire).  Grab your cell phone and make a short video of each room in your home, focusing on big ticket items.  Many times, it’s difficult for our clients to remember every little possession after the shock of a large claim.  You’ll be glad you took the time to make the videos if you ever need them.

Deep Clean Your Dryer Vent - A large percentage of home fires begin in the clothes dryer!  Lint builds up in the vent and hose which can spark a fire.  Unhook the hose and vacuum the area well on a regular basis to keep your home protected.

Organize Your Warranties - Do you have a big pile of warranties, product documents, and receipts stuffed in your desk drawer?  Do you even own those items anymore? These days, many owners manuals can be found online without taking up valuable drawer storage.  Also consider scanning and keeping a digital file of your receipts and warranties for easy storage and retrieval if needed.

Check Your Circuit Breakers - How often do you actually look in the breaker box? Open it up and make sure the labels are correct and readable. If you are trying to isolate a certain area of the home, it will be extremely frustrating if you're trying to figure out which breaker is the correct one. Also, it's a good idea to stash a spare flashlight (with working batteries) close by in case of a power outage. Finally, make sure that all breaker switches are clicked all the way on. A "tripped" circuit breaker will mean a loss of power somewhere in your home or garage. If it's a refrigerator, that means a bunch of spoiled food that you will need to throw out. 

Gather Your Tax Documents - It won’t be long until you’re filing your 2013 taxes. Start gathering up all the documents you or your accountant will need. Need a copy of your insurance policies or premiums?  Call us at 888-867-2866 and we’ll be happy to help! 

Know Your Deductibles - When was the last time you reviewed your deductibles?  This is what you would pay out-of-pocket in the event of an insurance claim. It’s a good idea to keep this amount in your savings account so it’s available when you need it. Feel free to give us a call to review all of your insurance policies in detail.

January is a great time to get organized for the new year! Let SAV-ON Insurance Agencies know if we can help in any way! 

How To 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!

Insurance agents are always on the lookout for things that might put our clients at risk. That’s why we wanted to share a few quick reminders this month to help you avoid any potential claim situations. With all the hustle and bustle of the season, you sure don't need to encounter any of these disasters!

• Be careful with 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. A dry tree can explode into flames and cause a lot of damage.

• 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.

• 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. Posting your out-of-town trip on social media such as Facebook and Twitter is only inviting trouble, since it's an open invitation for a burglar.

• 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, since failure to produce it can result in a fine, but all the information you need is in one place if you were to have a claim.

• 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 Agencies

Why is Insurance so Important?

Thanksgiving has almost arrived. This is the time of year when we sit back and reflect on all the things that we are thankful for. What immediately comes to mind?

For most of us it’s things like our family, our home, and our good health. And guess what they have in common? All of these things are what insurance protects!

That’s why it is so important to us that our clients have excellent insurance coverage. It’s not just about having an ID card in your car so you don’t get a ticket, or fulfilling your mortgage company’s minimum loan requirements.

No, it's much more than that. Insurance is there to make sure that if the worst happens, you can recover from it. It might not be easy, but we’re here to ease the financial burden after your house burns down or a loved one passes away. Will that cut-rate insurance company that spends hundreds of thousands of dollars on advertising be there for you? Will they care?

All of those TV commercials that just tell you to find the cheapest rate are completely wrong! Of course, no one wants to pay more then they have to, but it’s not the most important part of the equation. Quality coverage, and people who will be there for you when you have a problem; that's what's important.

At SAV-ON Insurance Agencies, we care about our customers. We are a local company who is compassionate about the people in our communities, and we are dedicated to improving the lives of our clients through education and understanding. Our customers aren't just another number, they're our neighbors.

Rather than looking for a cheap bare-bones policy, take the time to interview and meet with a local agent. See who is looking for the best coverage and truly meeting your needs while keeping the rate affordable. Ask the agent how they handle claims and if they do annual policy reviews. You'll find that at SAV-ON we take good care of our customers.

This Thanksgiving, our agency is extremely thankful for all of our wonderful clients. If you need a local agent to look out for your most prized possessions, give us a call at 888-867-2866 today for a free, no-obligation quote.

Happy Thanksgiving!

Scary Fact: Vehicle Vandalism Claims Nearly Double on Halloween

At Halloween, while you're concentrating on what costume to wear, how much candy you should buy and where the kids will go trick-or-treating, you should also be concerned about where you can safely park your car that day so it doesn't get damaged by vandalism!

The Highway Loss Data Institute (HLDI) has found that Halloween is indeed a scary night for automobile owners in the U.S., with nearly twice as many vehicle vandalism claims as a typical day, and it is considerably worse than any other day of the year compared to the other major holidays.

The HLDI examined insurance claims for vandalism made under comprehensive coverage from 2008 through 2012. Claims such as slashed tires or smashed windows. Data was supplied by 28 companies representing more than two-thirds of the insurance market for private passenger vehicles. The average number of claims per day was 692, and the average cost per claim was $1,528. That's a total average daily cost of more than $1 million per day. And Halloween is nearly double that, approaching $2 million in vandalism claims throughout the country!

Halloween had the highest average number of claims for any of the year with 1,253. The other high-claims days were the Fourth of July, with 987, and New Year's Day, with 944.

The HLDI also found that, holidays aside, vandalism seems to occur more often on weekends and in the summer. Weekdays all had an average or below-average number of claims. In a monthly comparison, claims were highest in July, followed by August and June.

So, while you're handing out candy and enjoying all the creative costumes, keep an eye on your vehicle if it's parked outside. You don't want to be one of the unlucky ones who get "treated" to vandalism.

Source: PEMCO Insurance and the Highway Loss Data Institute

Don't Let Halloween Get Scary...Make Sure Your Home is Safe for Trick-or-Treaters

It's October and that means that Halloween is on its way!

Here at SAV-ON Insurance we love any excuse to celebrate, but Halloween is an especially fun time around the offices. However, we wouldn't be a good insurance agent if we didn't give a few good liability tips too.

You've heard most Halloween advice over and over, but it bears repeating:

   • Pack a flashlight for when it gets dark.

   • Put reflective tape on children's costumes.

   • Check the kid's candy before letting them eat any.

But what about the risks at your home?

Your homeowners insurance covers you if someone is injured on your property. But there are a few things you can do to prevent accidents before they happen!

1. Change outdoor light bulbs. Is your porch light burned out? What about lights along pathways? Good lightning will help prevent children (and adults) from tripping and injuring themselves.

2. Clear hazards. Tree limbs in your yard? A hole you've been meaning to fill? Loose or worn steps? These are all potential hazards that could cause an injury and subject you to a liability claim. Clean them up before you have people trick-or-treating at your home!

3. No open flames. While candle-filled pumpkins are fun to make, they can be dangerous, too. If you use any open flame candles, make sure they are up high and away from any loose costume pieces. Many costumes aren't flame retardant, and can burst into flames easily.

And the easiest way to protect yourself? Make sure you have plenty of liability insurance! Call SAV-ON Insurance today at 888-867-2866 to schedule a free review and detailed explanation of how we can keep your home and family protected.