Bet the title of this post has you wondering what that old adage about the weather has to do with Insurance.

Lots!

Brought on by Spring storms, March winds can mean anything from a gentle breeze to huge gusts to tornadoes. April showers sometimes mean flooding and those May flowers for June brides lend to thoughts of insuring your love.

With Hurricane season arriving along with Summer weddings, it’s a good idea to brush up on your Home / Mobile home insurance. Make sure you understand your deductibles and how they apply to which peril.

Keeping in mind the standard 30 day wait for issuance (except on a new purchase), this is also a good time to check into Flood insurance.

Bride and Grooms may want to plan on getting adequate Life Insurance along with your other wedding arrangements.

Oh, and you newly retired ladies and gents need to get your Medicare insurance in place!

Regardless of which of these coverages you’re looking for, we’ve got’cha covered. Give one of our Licensed agents a call.

Until next time, take care and remember…. Proper insurance coverage for you home, auto and life should always be a priority!

Tommy Curtis and Staff

​Disclaimers:

• Medicare has neither endorsed nor reviewed this information.
• Not connected or affiliated with any United States Government or State agency.
• Calling this number will direct you to a licensed Agent/Broker.

 
Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc.
​{A Life and Health Agency}

Our office will be closed Monday, Dec 24th & Tuesday, Dec. 25th as well as Monday, Dec. 31st and Tuesday, Jan. 1st in observance of the Christmas and New Year holidays.

We will resume normal business hours (9am - 5 pm) on Wednesday, Dec. 26th and Wednesday, Jan. 2, 2019.

As we move through the holidays and into a new year, we hope you'll take some time to browse the many blog posts we've shared over the past year or so and that you'll find a wealth of information beneficial to your life, home, auto and/or Medicare insurance concerns.

When faced with life, home or work changes, we certainly hope you'll give us a call and let us service your insurance needs. It's especially important to insure those new toys you got for Christmas! (ie; boats, jet skis, ATV's, jewelry, artwork, etc.)

Meanwhile - Merry Christmas and Happy New Year!

We look forward to serving you in 2019 and beyond....

Tommy Curtis and Staff

Over the last year or so we’ve done posts on insuring your home, mobile home and even a vacant home. We’ve discussed binding restrictions and scheduled personal property as well as policy deductibles, endorsements and possible discounts.

One thing we haven’t discussed is a Builder’s Risk and/or Builder’s Risk Renovations policy.

If you’ve been talking to a bank or mortgage company about financing the construction of your home, you may have been told you’ll need a Builder’s Risk policy and wondered what in the world that is.

We’re here to help!
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Purchasing a new home can be fun and exciting, it can also be fraught with fears, insecurities and too many things on your ‘to do’ list. Many people get all caught up in the excitement and forget one of the most important aspects of buying a new home–Insuring it!–then, in a panic, accept the first quote they receive, not understanding the basics of a home insurance policy.
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Don’t be one of them.
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On the heels of Memorial Day in May and Flag Day in June, July is the month of patriotism since the 4th is the day we celebrate the birth of our country as a nation, independent from English rule.

Even though our break from the British Empire came in 1776, Insurance was sold in the Colonies as early as 1735 in South Carolina. In 1772 Benjamin Franklin along with more than 70 business owners formed a mutual company called “The Philadelphia Contributorship for the Insuring of Houses from Loss by Fire.”

We know from a previous post that Medicare was enacted in 1965, but did you know Life Insurance was established in the 1760’s? The Presbyterian Synods (an assembly of the clergy and sometimes also the laity in a diocese or other division of a particular church) created the “Corporation for Relief of Poor and Distressed Widows and Children of Presbyterian Ministers” in 1759 in New York and Philadelphia which was duplicated by Episcopalian priests in 1769. Auto insurance came about in 1897, health insurance in the 1920’s and home policies in the 1950’s.
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So, how does Insurance and Patriotism go together?

Hurricane Season is upon us and many people are brushing up on their home/mobile home insurance policies and getting their evacuation plan in order. They’ve pulled out the declarations page and in reviewing, find there are 2 or maybe 3 different deductibles listed: AOP, Named Storm and/or Wind/Hail.

We’ll attempt to clarify these for you here….
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If you call for a home, mobile home, or flood policy or to add comprehensive and/or collision insurance to your auto policy and are told no because the company is under binding restrictions, it may confuse or even irritate you.

What in the world are binding restrictions and why do insurance companies implement them?
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If you’ve ever needed to make a change to your insurance policy or done research into adding coverage, you may have heard the terms Rider and/or Endorsement and wondered, What is the Difference?

In this post we’ll explain and hopefully you’ll feel better informed when it comes to your insurance policies.