​ Many States have enacted a moratorium preventing     insurance   companies from cancelling and non-renewing     policies for non-   payment to the insurance carriers during     the Covid-19 crisis. 
 
 DON'T LOOK AT THIS AS FREE INSURANCE!
 
​The insurance carriers are only delaying your payment due date. This does not apply to automatic payments via bank draft/EFT. Know also, delaying your payment due date does not mean you won’t have to pay at all. What it may do is cause a “balloon” payment to be due when you least expect it. Any unpaid amounts could eventually be turned over to collections if not paid when expected.
 
Don't let your credit history take a hit.
 
What can you do to keep your insurance affordable and still pay on-time?
 
Look at a reducing your insurance coverage.  With auto insurance, you must (at least) have minimum liability as required by most state laws. If your vehicle is financed, you must secure the lien holder’s interest by having comprehensive & collision coverage.  However, you can increase your deductible on these coverages. The higher the deductible, the lower the premium. Talk with your insurance carrier or insurance agent about possible options. 
 
If you can't afford the EXTRA coverage and are not required to have it, do without during this time. You can modify your coverage when you are back on your feet and financially able.  
 
What about the young drivers on your policy who are home-bound during this quarantine period? You can contact your insurance carrier to see about excluding drivers who are NOT driving during this period of time. Be careful with this option though. If your young driver is behind the wheel at any time, they need to be listed and removing them then letting them take the vehicle somewhere is not a good idea! Also, remember to change them back from an excluded to rated driver once the stay-home order is lifted and life returns to normal.
 
These are strange and scary times but whatever you decide, protecting what’s important should be top on your list of priorities. Don’t fall into the trap of thinking you can get by without proper insurance on your auto(s), home or even life!

Until next time, take care, be safe and stay informed!

Tommy Curtis & Staff
 
DIsclaimer:  NOT everyone will fall under this moratorium. You can still be cancelled for nonpayment if your new policy effective date is during the moratorium. In doubt, always talk with your insurance carrier to see if you qualify for this moratorium. You will also be cancelled or non-renewed for fraud and/or misrepresentation.  

In February we did a post explaining what 'Insure Your Love' was all about and in it, we mentioned that September is Life Insurance Awareness Month. These have been instituted by the non-profit organization, Life Happens. So I thought I'd share some more interesting information I found on life insurance....

​Did you know that unclaimed life insurance benefits are paid to your state? I recently discovered that fact and that there are over $1 Billion dollars in unclaimed benefits out there!

It’s that time of year again…time when the kids are going back to school. And time when many young drivers will be out on the road, driving to class or extra-curricular activities. Perhaps even an after-school job.
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As adults, we’re used to road rules and know where everything is in our vehicles should we need to access them quickly. But our teenage and young-adult children aren’t. So, we’ve compiled a short list of things to do and check to provide a safe and confident environment for inexperienced drivers.

We’re told in Proverbs (13:22) that a good man leaves an inheritance for his children’s children, but with today’s tax laws, is it possible to leave a legacy to your children or grandchildren that will not be shared with the government?
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Yes, there is!

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

Lots!
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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.

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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