Owning a home is one of the most important investments you can make. As your family grows, your needs will change as well as your risk. We think it is very important to review your insurance program every year to make sure it still meets your needs. Compared with investment decisions and estate planning issues, perhaps questions about the language in your homeowner’s policy may seem hardly worth considering. Yet the more successful you become, the more complicated your asset-protection needs are likely to be, and the more you have to lose.
1. Gaps in homeowner’s coverage. Every homeowner needs to review their coverage regularly to keep up with rising replacement costs. But insuring different kinds of homes in different locales poses extra challenges. If you buy insurance from more than one carrier, you may face contrasting rules, limitations, and policy renewal dates.
2. Under insuring art and collectibles. Standard homeowner’s policies limit coverage for the losses of antiques, furs, and other valuables. While you could schedule additional coverage, insuring the real value of a collection of contemporary art or vintage muscle cars, likely will require a specialized policy addressing several critical issues. 3. Make sure you keep up with the true replacement cost of your home. Often people let this go for a few years, but it can be devastating.
4. Forgetting to insure household employees. When someone works for you or your family as a nanny, landscaper, personal assistant, or in another role, you could be liable for medical expenses and lost wages if the worker is hurt on the job.
At Route 66 Insurance Inc. we believe our greatest asset is the relationships we build with our clients and we are dedicated to being the right choice for all of your insurance and financial needs. We take pride in our ability to tailor a comprehensive package that maximizes your insurance protection while minimizing money out of your pocket.
Congratulations! You got past the title and are now embarking on a new way to look at the insurance buying process. Over the next few months, we would like to offer you an alternative way to think about insurance that will change your purchasing experience.
We will start with a few basic truths that we believe in.
Insurance is a service not just a commodity.
You can never get the right insurance for your needs online in only 15 minutes.
There is more to insurance than just a policy.
Insurance was designed to be a relationship between the customer, agent and the insurer.
Your insurance agent should be as valuable as your CPA, attorney and financial advisor.
Insurance ads are confusing because they make you believe that all insurance is the same--and we all know that not to be the case.
To get proper coverage, a knowledgeable agent and great service, buyers need not pay any more.
We hope to continually provide you with informative, fun and cutting edge information to help you make informed insurance buying decisions. Enjoy the information!
Saving money on New Mexico business insurance is not always an easy thing many companies to do. You have many options regarding insurance agents and insurance companies that at times can be confusing. We specialized in the commercial business that is what we do. We have a proven track record of providing the right combination of pricing and coverage, along with experience and responsive service.
There are a number of ways to reduce your New Mexico business insurance cost without jeopardizing coverage. Here are a few:
Use a broker who knows and understands your industry. Having an understanding of the risks, and what markets best are suited for your risks, can result in lower costs. Have us shop your insurance. We have access to many insurers, this allow us to offer many options.
Provide driver’s training- having educated and trained drivers can reduce your business auto insurance cost up to 5%.
Have proper safety equipment.
Use special markets. There are insurers that specialize in your industry. .
Increase deductibles. Insurers often will provide good credits if you increase your deductibles on property or auto physical damage.
Reduce your risk, Talk with your insurance agent about how you can help prevent insurance losses. You may be able to reduce your exposure to fires, work-related accidents, disasters or lawsuits. Reducing these risks may lead to fewer claims, which may lower your insurance premium.
Keep up to date with current liability trends; liability claims tend to be the most significant claim with most aspects of insurance.
Having insurance premiums reduced by cutting corners is not the ideal way to deal with high insurance premiums. That’s a case of addressing the symptom – not the problem. Lowering premiums by reducing the risks posed and faced by your business is a far healthier solution.
Route 66 Insurance is a full service Independent Insurance Agency. With over 23 years of experience in the insurance industry we are the company you can trust. If you need home, auto, renters, boat, RV, life, health, commercial, bond insurance, or annuities, we are the name you can trust.
In 2016, 17,200 people went to emergency rooms because of barbeque related accidents. Sixteen percent of home structure fires involving a grill were caused during ignition because something flammable was too close to the grill. Twenty percent of all reported grill fires were a result of leaks or breaks. Gas grills account for more home fires overall than do charcoal grills. Emergency rooms see the use of gasoline on a charcoal grill as the most common error associated with burn cases.
You might think you know all you need to know about barbeque safety and grilling, but here are some reminders. We want your grilling experience to be fun and safe for the entire family.
General Grilling Safety
Never barbeque inside, in a garage, on the roof, or on a second story deck.
Never leave your grill unattended.
If you are using a charcoal grill, let the lighter fluid soak into the coals a few minutes before lighting them so that any vapors have time to evaporate. When you do light the coals, stand back.
Do not use lighter fluid on hot coals.
Open the grill lid before you light it
Do not wear loose fitting clothing.
Keep an extinguisher outside or close by.
Make sure you use the grill 10 feet away from your house.
Use the grill close to a water source.
Do not let raw meat sit out too long without being chilled or cooked.
Always wash your hands before and after handling food.
Do not over-indulge in alcohol while barbecuing.
Always wash your hands before and after handling food.
Fireworks during the Fourth of July are as American as apple-pie, but did you know that two out of five fires reported on that day are started by fireworks, more than for any other cause? So you think it cannot happen to you? Here are a few facts:
In 2013 over 9,000 people went to the emergency room as a result of fireworks related injuries. There was an estimated 15,500 reported fires started by fireworks. These fires resulted in an estimated eight reported deaths, and $36 million in direct property damage. This is why it is a good idea to have a free home insurance review and quote, call us today!
Fireworks Safety Tips
Buy fireworks only from licensed vendors
Never combine fireworks
Obey all local laws
Never have any portion of your body directly over a firework while lighting
Never relight a firework
Don’t smoke or drink while lighting fireworks
Soak used fireworks in water before placing in trash
Make sure there is parental supervision
Never experiment with homemade fireworks
Use fireworks outdoors, in a safe area away from dry grass and buildings
Keep a fire extinguisher, bucket of water, wet towels and a garden hose nearby
Light one firework at a time - then move back quickly!
Never shoot fireworks from metal or glass containers
Never carry fireworks in your pocket
Never point or throw fireworks at people or animals
Clean up all used fireworks including debris
“Fireworks and celebrations go together, especially during the Fourth of July and year end celebrations. Remember, fireworks can be dangerous, causing serious burn and eye injuries. You can help us prevent fireworks-related injuries and deaths” Consumer Products Safety Commission.
Enjoy the holiday; we live in a great country, happy birthday America!
Protect what matters most to you with Albuquerque, NM Car, Home, Health, Life & Business insurance. We offer the best combination of competitive rates, coverage and personal service in Albuquerque.