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P.O. Box 1750, Cockysville, MD, 21030
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Personal Protection Bulletin
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6 Times to Reevaluate Your Life Insurance Coverage
You spend months and thousands of dollars on creating the perfect wedding day. From the invitations to the reception, you want everything to be perfect. All your best planning can't prevent poor weather, vendor cancellation or lost photographs, though. Consider the benefits of wedding insurance as you protect your special day. What Is Wedding Insurance?
Wedding insurance reimburses you for lost items associated with your big day. Maybe your gown is damaged as you transport it from your home to the venue, the caterer cancels at the last minute or one of your wedding presents is stolen. Use wedding insurance to reimburse your financial losses.
What Does Wedding Insurance Cover?
Basic wedding insurance covers problems with the wedding and reception site, vendors, key people, weather, injury and sickness. You can also purchase additional coverage for the photography, videography, gifts, attire, medical payment, personal liability and honeymoon. Keep in mind that wedding insurance usually doesn't cover cold feet, precious jewels on the dress or jewelry.
For a complete list of what your wedding insurance will cover, check your policy. It usually includes a deductible and a limit on the maximum amount of coverage it provides.
How Much Does Wedding Insurance Cost?
Typically, wedding insurance coverage will run you between $150 and $550. The total cost depends on which types of things you want to insure and on the amount of coverage you want. As a reference, general liability insurance covers accidents and costs an average of $185.
Is Wedding Insurance a Necessity?
Before you buy a wedding insurance policy, do your homework. Ask each of your vendors if they have their own insurance policies. If so, you can examine copies of their policies and make sure you're not purchasing overlapping coverage. If they don't have insurance, consider whether or not you have enough money to cover a cancellation, loss or other unforeseen circumstance. Also, decide if you need the peace of mind insurance can provide.
When Should You Buy Wedding Insurance? If you decide to purchase wedding insurance, buy a policy as soon as you start booking venues. Be sure to ask your insurance company if they have a limit on how long a policy can be in place.
Your wedding is one of the biggest and most special events you'll ever plan. Protect every detail of the day and your peace of mind with wedding insurance. Your agent will discuss your wedding details and assist you in finding the right coverage and policy for your needs.
HMS Insurance Associates, Inc.
How To Keep Pipes From Freezing
Dropping winter temperatures affect your home in numerous ways, including your water system and pipes. If the system or pipes freeze, you and your family will experience an inconvenient and expensive mess. Use several tips that prevent this mess.
Insulate pipes in unheated areas of your home, such as the attic, basement or crawl spaces. If you live in a moderately cold climate, foam pipe insulation will work. Use thermostatically controlled heat tape if you live in a severe climate.
Protect pipes located in exterior walls of your home with extra insulation. That may mean removing part of the wall to get insulation on the pipes, but you can check for and repair any water damage or mold growth as you complete this project.
Turn off outdoor spigots and disconnect hoses. A frozen garden hose can expand pressure in the entire plumbing system of your home. Disconnect and drain the hose, then close off the valve to outdoor faucet as you protect your house.
Allow five drops of water per minute to drip from faucets when temperatures plummet. This action keeps the water moving and can slow the freezing process.
Open cabinet doors that cover kitchen and bathroom plumbing. Your home's warm air can then circulate around exposed pipes and protect them from freezing.
Wrap warm towels around slow pipes. The warmth may loosen accumulated ice and assist your water system in operating properly again. To warm the towels, place them over the pipes and pour boiling water on top or make the towels wet first and place them over the pipes.
Use a hairdryer or heat gun to blow hot air directly on freezing pipes and melt ice. Remember to avoid using any heating tool with an open flame so you don't burn your pipes.
Shut off the water if your pipes are already frozen. By preventing additional ice from forming, you reduce the risk of flooding your system, and you make cleanup easier.
Winterize your pipes before you head south for the winter. Set the furnace to at least 55 degrees, and shut off your home's main water supply. You'll also want to drain the water system by opening the faucets and flushing the toilets.
Protecting your home's pipes from freezing this winter means you avoid the inconvenience of not having indoor water and an expensive repair. In addition to following these tips, update your home insurance. It can cover necessary repairs that occur if your pipes freeze despite your efforts to keep them running properly.
HMS Insurance Associates, Inc.
PP 3 Feb 16 Car Insurance Options After a DUI
Get charged with a DUI, and you typically lose your license for one to six months. Your auto insurance coverage and rates will also be affected. Learn what you can do to find coverage and earn affordable insurance rates after a DUI.
Understand Insurance After a DUI
Every state has strict laws that prohibit driving under the influence. However, each insurance company uses slightly different criteria to evaluate your risk as a driver. Companies consider your traffic and driving violations differently, too. For example, some companies punish at-fault accidents more severely than DUIs.
Typically, your risk and rates are based on several factors, including:
Other violations (speeding, recklessness, drug possession) that occurred at the time you received the DUI
After a DUI, your insurance company will look at these factors and decide how to handle your policy. They may continue insuring you at a rate increase or drop your coverage.
How to Qualify for Insurance After a DUI
If your current insurance coverage is significantly raised or dropped, you may still be able to get coverage. Contact national and local insurance agents, and ask for free quotes. To ensure you receive the most accurate quotes, tell the truth about details like your age, marital status, address and traffic violations, including your DUI. Also, use the same coverage limits for each quote.
Investigate SR-22 Proof of Insurance
Many DUI offenders use the SR-22 form to verify that they have insurance coverage. It's designed for drivers with serious violations like DUIs, violent crashes and excessive speed. You still need to maintain the minimum insurance requirements for your state, but this form shows that you have auto insurance coverage.
The SR-22 is filed with your state's department of motor vehicles or department of licensing by you or your insurance agent. In many cases, this form is necessary for up to three years after a situation where your driver's license is suspended.
Lower Your Rates After a DUI
Of course, maintaining a pristine driving record after a DUI and keeping your credit score high will help your rates go down. Additionally, you can ask for a new quote every year. Be sure to notify your insurance company, too, after you move, when you buy a different vehicle or when you switch jobs. These actions might help you earn more affordable insurance rates.
While obtaining auto insurance after a DUI is challenging, it isn't impossible. Try these tips and talk to your agent about other options that might assist you in finding the coverage you need.
HMS Insurance Associates, Inc.
Questions To Consider For Your Home Insurance Checkup
When was the last time you did a home insurance policy checkup? This important update ensures you have adequate coverage that will cover thefts, loss or damages, and it verifies that you aren't paying for coverage you no longer need. Consider these questions during your next home insurance checkup.
Did you renovate or remodel your home?
Any changes to your home's structure or size could affect the amount of insurance you pay. Even turning a basement into a third bedroom or adding a deck can increase the amount of insurance you need.
Did you install a burglar alarm?
An alarm system may lower your insurance costs and help you save money.
How much coverage do you really need?
Many homeowners overestimate or underestimate the value of their home and its contents. Use your property assessment to figure the value of your home, and remember to include outbuildings. A home inventory will give you an accurate value of your home's contents and help you purchase the right amount of coverage.
Have you added new valuables or collectibles to your home's inventory?
Your current insurance policy might not cover your newly-inherited jewelry or your new art collection. Find out if you need a specialty policy or endorsement to cover these valuables.
Do you have replacement value or actual cash value coverage?
Replacement value describes the amount of money you would need to replace your home or its contents with materials or goods of similar quality to what you have now. Actual cash value describes the amount of money you would need to repair your home or replace contents after calculating depreciation.
Did you start a home-based business?
Working from home in any capacity means you may need extra insurance. Share the details of your business with your insurance agent and verify that your business ventures are covered.
Do you need flood or earthquake coverage?
No matter where you live, you can benefit from flood and earthquake insurance coverage. Ask your home insurance carrier if these optional insurance policies are available as you protect your home.
Can you afford the deductible?
The deductible on your insurance policy affects the annual premium costs. Calculate how much deductible you can comfortably afford and raise or lower it on your insurance policy.
How frequently do you pay premiums?
Switching to an annual payment, if that's an option, lowers your annual costs.
At least once a year, evaluate your home insurance coverage. Verify that you have the right amount and type of insurance for your needs.
HMS Insurance Associates, Inc.
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