Make the most of your next tailgate with these tips.
Tailgating is the best way to get the full football experience. Unfortunately, it can also open the door to certain risks. To reduce your risk of having to make an insurance claim this tailgating season, keep these tailgating safety tips in mind.
- Have a designated sober driver to get you home from the tailgate. Keep in mind that just one alcoholic beverage can be enough to inhibit your driving ability.
- Ensure all glass bottles and other hazards are not hiding under your tires before you drive away to prevent any damage to your vehicle.
- Hide all of your valuables in the trunk of your car. Leaving all valuables at home will help to keep them even safer.
Before you head to the game, take a look at your auto insurance policy to ensure it will provide the coverage you need. If you do not already have comprehensive coverage, now is the best time to add the coverage option onto your policy. While your collision coverage will provide protection while you are traveling to and from the game, your comprehensive coverage will provide protection for any incidents that occur in the parking lot.
Comprehensive coverage, sometimes known as “other than collision coverage,” will provide protection for almost anything that goes wrong. If a football flies through your front windshield or your grill catches your car on fire, your comprehensive coverage will kick in to provide protection. Keep in mind that every policy is different, so make sure to talk with your insurance agent to see just how much protection you have.
When looking for the right car insurance policy to ensure you have the coverage that you deserve throughout football season, contact the independent insurance professionals at the Insurance Agency of Dean Davis in Austin, Texas.
The holidays bring a unique set of dangers to your house.
The holidays are meant to be full of cheer. Unfortunately, just one accident can be enough to ruin your entire season. Knowing how to protect yourself and your family from any disaster that you may face will help to ensure that you can take full advantage of the season. Keep these holiday homeowners liabilities in mind to prepare for the season.
Your chestnut roasting leads to a home fire.
Home fire claims increase more than 10 percent during the holiday season, although not all of them are tied to chestnuts. Typical homeowners insurance policies will provide coverage if your house is burnt down. Looking over your home inventory to ensure it is up to date before the holidays will help to ensure that you have the right amount of coverage.
Thieves break in and steal all of your perfectly wrapped gifts.
Home insurance policies generally provide coverage for your personal belongings at 50 to 70 percent of your dwelling coverage. If any of your gifts are extremely valuable, such as a new diamond ring for that someone special, you should schedule it within your policy to ensure it is properly covered.
A delivery man slips and falls on your walkway.
Your existing home insurance policy will provide liability coverage for injuries that occur on your property. However, the limits can easily be exceeded depending on how hard the delivery man fell. Investing in a personal umbrella insurance policy will help to provide the additional coverage that you need to ensure that you aren’t financially devastated after just one accident.
For all of your homeowners insurance needs to ensure that you have the coverage that you deserve in case you have to make a claim this holiday season, contact the Insurance Agency of Dean Davis in Austin, Texas.
How your insurance company will deal with damage caused by a fallen tree.
Homeowners insurance policies will provide coverage for damage that is caused to your house during a strong windstorm. However, do you know if your home insurance policy will also provide coverage if that windstorm causes a tree to fall on your house? Keep these tree damage and homeowners insurance considerations in mind to ensure that you have the right amount of protection.
If a tree falls on your house, or any other structure on your house, your homeowners insurance policy will kick in and provide coverage. Your home insurance policy will provide coverage for any personal belongings that were damaged as well as the structures, up to the limits of your policy.
If a neighbor’s tree falls on your house during a storm, filing an insurance claim can be a little more confusing. If the tree was healthy and well cared for, your own home insurance policy will take care of the damage. However, if you are able to prove that the tree as dead or diseased, your insurance company will most likely try to collect a payout from your neighbor’s homeowners policy through subrogation. If your insurer is successful and able to get a payout from the other company, you will be reimbursed for your deductible.
When it comes to the clean-up of the tree, most homeowners insurance policies will only provide coverage for debris removal if the debris is what actually caused the damage. If the tree fell on your property and did not cause any damage, you will be left paying for the clean-up on your own.
Contact the Insurance Agency of Dean Davis in Austin, Texas for all of your homeowners insurance needs to ensure that you have the right amount of protection for any damage done during a storm.
Finding the right commercial auto insurance policy for your Austin, TX home business.
More and more people are starting their own home-based businesses, helping to change the way that the business world runs. Before you decide to open your own business at your house, it is important to make sure that you know what it means for your insurance coverage. Keep these commercial auto insurance for home businesses considerations in mind to ensure that you have the right amount of protection.
Many home-based business owners assume that their existing car insurance policy will provide coverage when they are using their car for business purposes. No matter if you are making deliveries or visiting clients, your current auto insurance policy will most likely not be able to provide any type of protection in case you are in an accident.
In some cases, you may be able to add a rider onto your existing auto insurance policy to provide coverage while using your car for work. However, this is typically only the case if you make the occasional delivery or client visit. If your vehicle is a vital part of your business, such as if you run a shuttle service, you will need a specific commercial auto insurance policy.
If you are trying to sneak by without telling your insurance company about your home-based business, you may find yourself in even more trouble. If you make a claim to your personal auto insurance company and they find out that you were using your vehicle for business purposes, they may deny your claim, which can mean you will have to cover all of the damages out of your own pocket. They may also cancel your policy, leaving you without any type of coverage.
To ensure that you have the right commercial auto insurance policy for your home based business, contact the Insurance Agency of Dean Davis in Austin, Texas.
Most people do not consider insurance the most riveting topic of conversation. However, not talking about insurance can lead to you not fully understanding all the benefits that your policies offer. Know the truth behind these insurance policy myths to ensure that you have the right amount of coverage.
- Insurance is a waste of money – if you ever have to deal with a loss, you will be glad that you have insurance. Without insurance coverage, you will be left paying for any repairs that are needed after an accident at your house or with your vehicle.
- Let your insurance company know about every issue – while you have the option to let your insurance companies know about each and every issue that you have, small issues may be better left fixed on your own. The more claims you make to your insurance companies, the higher your premiums will be.
- Everyone needs life insurance – if you do not have any dependents or an income, you may be able to skip out on life insurance. Keep in mind that the younger and healthier you are when you invest in a policy, the cheaper your premiums will be, so you may want to consider investing in a policy before you reach any major life milestones.
- All real health insurance policies have a copay – some health insurance policies require you to pay a percentage of the total medical bill as opposed to a copay, while others will reimburse you after you cover the total cost. Not all legitimate health insurance policies come with a copay.
Contact the Insurance Agency of Dean Davis in Austin, Texas for all of your insurance coverage needs. We will work closely with you to make sure that you invest in the right policies that will meet your specific needs, all at the right price.
When You Should File a Claim
You invest in homeowners insurance to ensure that your home is protected from any peril. However, making a claim for any damage may not be in your best interest. Filing a claim, even if it is small or not your fault can cause serious premium hikes for your home insurance.
No matter who is at fault for an accident or the size of the claim, any claim that you make with your home insurance company can lead to increased rates. There are many circumstances that are taken into consideration when your insurance company is deciding on the cost of your policy, including your credit rating, number of claims you have made in the past, and the frequency of natural disasters in your area.
Keep in mind that while any claim can possibly lead to rate hikes, not every claim has the same affect. More serious claims, such as dog bites, water damage, and mold claims will lead to much higher premium increases than less severe claims.
When deciding if you should file a claim, there are many factors to consider. Look into your policy to see if they offer claims forgiveness. Keep in mind that not every company will forgive the same claims, so if you switched companies, make sure to double check before you make a claim. If there is only minor damage to your home, such as a few shingles that blew off in heavy winds, you will probably be better off repairing it yourself. Large issues, such as if your roof completely caves in, should always be reported.
For all of your homeowners insurance needs and to ensure that you are properly protected, contact the insurance professionals at the Insurance Agency of Dean Davis in Austin, Texas. We will work with you so that you have the right amount of coverage, all at the right price.
Filing an insurance claim may seem intimidating, but it really isn’t all that difficult. Insurance claims need to be filed the second they become applicable. The longer that one waits for an insurance claim the harder it will be to file the claim. In addition, many insurance providers will not allow a claim if it exceeds a certain amount of time. This means that it is absolutely vital for an insured individual to get on the phone with their insurance company the second that they need to. Most insurance claims can be completed either over the phone or online. Some insurance providers even have mobile applications that will allow insured individuals to take pictures related to the claim and to file the claim immediately.
All an insured person usually needs to do to file a claim is to speak with their insurance representative as soon as possible and follow their directions. If the insured person is going through an independent insurance agency they can call their agent to ask for further advice.
Those with more questions about how to file insurance claims can contact the Insurance Agency of Dean Davis, Inc.