Let Route 66 Insurance Inc. help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Homeowners coverage.
Homeowners insurance plays an important role in society. It protects your most valuable financial asset, your home. When most people think of damage to their home, they tend to think of fire or theft. Many other kinds of accidents may cause damage to your home that is covered under most homeowner’s insurance policies. Remember each homeowner’s insurance policy is different, and if you bought your homeowners insurance online, you might not have proper coverage. Claims will be paid based on your individual homeowner’s policy terms and conditions.
Homeowners insurance claims
A homeowner accidentally spilled bleach on her carpet while carrying in the groceries. Insurance covered the replacement of the carpet.
A Christmas tree stand leaked water onto the homeowner’s hardwood floors. The homeowners did not realize the stand had leaked until they removed the tree skirt. The insurance company paid to repair the damage.
Lightning struck a water pump causing the pump to leak. The entire bottom floor of the insured’s home was flooded, resulting in $52,000 in property damage.
A son was cutting down a tree on his parent’s property. A limb from the tree fell on a visiting neighbor and $3,000 in medical bills was paid by the insurer.
A homeowner awoke to a bang, to find an airplane part had fallen through his roof. The insurer covered the claim. No airline admitted liability.
A homeowner left his gas grill on by mistake. The grill was on a deck and close to the home; a fire caused $24,000 damage to the deck and home.
A homeowner had some expensive lighting on the walkway of his house. The lanterns were original and hard to replace, but one of them was damaged in a storm. Because the homeowner was unable to purchase a match, the insurance company paid to replace both lanterns.
All these claims were subject to policy terms and deductibles.
Many homeowners don't fully understand what their home insurance policy covers and excludes. For example, according to a 2018 survey from the National Association of Insurance Commissioners, more than 37 percent of people who have homeowner’s insurance mistakenly believe flood damage is covered by a standard homeowner’s policy, To avoid making costly assumptions, it pays to know what's included in your policy. We are here to help answer all your insurance questions.
Your vacation supplies must include a first-aid kit.
Have it available while traveling and take it with you whenever you go walking, hiking, or any activity that takes you away from civilization. You can use just about any type of container for your first-aid kit. It’s best if the container is lightweight, like plastic, and has a good lid. A handle can be useful also. A small toolbox, lunchbox, fishing tackle box or even kitchen Tupperware would work.
You should have some sterile gauze with adhesive tape and scissors to cut them. Make sure the scissors are sharp. Also multiple sizes of band-aids. Tip: Sanitary napkins are sterile and make good compresses to stop bleeding.
To clean cuts and wounds include antibiotic cream, hydrogen peroxide and antiseptic wipes.
Consider including aspirin and acetaminophen, instant cold packs, calamine lotion, and hydrocortisone cream.
If anyone is taking prescription medicine to be sure to bring enough for the whole trip.
The first-aid kit is a good place to store a list of emergency numbers along with your medical insurance information.
It’s always a good idea to have a first-aid manual on hand and review it before you leave. This way you will be much more prepared should a situation arise where you need it. This is an excellent opportunity for children to learn a little about first-aid so review the manual with them too.
Other miscellaneous items that could be helpful are a thermometer, latex gloves, tweezers and flashlight with spare batteries.
Keep your vacation first-aid kit easily accessible at all times but away from small children.
All of us at Route 66 Insurance Inc. wish you safe travels and please feel free to email or call us should you require any additional insurance for your trip.
While cruising the water in your boat, the last thing you want to worry about is insurance. Contact us and let us take care of you. Then go back to fishing, sunbathing, or just relaxing on those cool, clear waters. We have a policy for most types of boats including bass boats, cruisers, fishing boats, pontoons, runabouts, sailboats, catamarans and utility boats.
We offer a number of proven methods of reducing business insurance premiums without affecting coverage. We can review your insurance program to determine if there are ways to reduce costs, and we are ready to help you work through the process. Here are six premium reducing methods we can recommend for you to consider.
Merge insurance policies -- Consolidating auto, property, and liability insurance under one policy can provide “package” credits.
Automobile Program -- Make sure all your commercial vehicles are “classified” correctly. For example, having a pick-up classified as a commercial delivery truck can increase costs. Consider self insuring physical damage coverage on certain vehicles.
Workers’ Compensation -- If you have had large losses, it could be beneficial to have a third party medical bill review completed.
Increase Deductibles -- Consider increasing your property deductible to $5,000 or even $10,000. Also, think about increasing auto deductibles on older vehicles. If your losses are low, over time you might save enough in premiums to pay for future losses.
Have us complete an audit of your entire program -- We can evaluate exposures your company has, and discover what options would be best for your individual needs. We can become a second set of eyes to uncover exposures not currently addressed.