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R. David Bulen Insurance Blog

R. David Bulen Insurance Agency Paying too much for your Insurance? Not sure? Call us to compare. It’s fast, easy and best of all there is no cost to you! Experienced and licensed staff working for you to provide the best company, coverage and price available. You will always have a service team assigned to you. At each renewal we will quote your current policy to make sure you are still receiving the best coverage and price. Multiple policy discounts available. R. David Bulen Insurance is a professional team of caring individuals committed to providing superior products and service to our valued growing customer base. Are You A Business Owner looking for Competitive Insurance? Whether you’re looking for workers compensation insurance, commercial auto coverage, general liability or professional liability for your business, R. David Bulen Insurance is committed to finding you affordable and comprehensive insurance coverage, never compromising on protection or quality. You’re never just a number to us – and when you need your insurance coverage to respond, it’s like having family in the business. Looking For Personal Insurance? We have strong relationships with the most competitive carriers you’ll find anywhere. These strong relationships help us get you the valuable protection you need, and the fast – responsive claims handling service you expect when you need us most.

Vacation Insurance: Do You Need It?

Lisa Mosby Lisa Mosby , 3/18/2015
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As you start making spring break vacation plans, think about vacation insurance. It's available on almost any trip you might take, whether you travel a few hours away from home or across the globe. Before you buy vacation insurance, though, decide if you need it. Trip Cancellation Insurance You'll pay five to seven percent more for your vacation if you buy trip cancellation insurance. However, you could lose more money than that if your child contracts chickenpox the day before your vacation, you're called to jury duty, a work emergency comes up or you otherwise can't take your trip. Travel Health Insurance Traveling is safer now than ever before, but your current health insurance coverage may not cover a life-saving hospital treatment or medical evacuation as you travel internationally. Likewise, if you travel frequently, are pregnant or suffer from a chronic health condition, travel health insurance makes practical and financial sense. Baggage Insurance If you travel with valuables worth more than a few thousand dollars, consider baggage insurance. It costs five percent of the total cost of the items you wish to cover. While most airlines will reimburse you for lost baggage, that money may not cover your lost, stolen or damaged expensive valuables. Accidental Death and Dismemberment Insurance An adequate life insurance policy typically makes this type of vacation coverage unnecessary. However, check with your insurance agent before your trip to be sure. Rental Car Insurance Check with your rental car company to see if your auto insurance policy covers your rental car. If not, purchase additional coverage. Especially for your expensive, once-in-a-lifetime or international trips, vacation insurance provides the peace of mind you need. Just be sure to buy insurance not a waiver or protection plan. Your insurance agent will help you make sense of all the options and discover which vacation insurance is right for you.