Auto Insurance: Hail Damage Coverage

Posted on May 5th, 2016 By WACDMediaAdmin

Each year, there is about a billion dollars in hail damage done in the United States. Damage has been done to crops, property, and automobiles. Last year in 2015 there were over five thousand major hail events recorded nationally. If one of these events were to happen in your area, do you know if your car is covered for hail damage? It all depends on the type of coverage you have selected on your auto insurance policy. Here are some things to talk to your auto insurance agent about to make sure you are covered for hail damage on your vehicle:

 

Needing comprehensive coverage on your auto insurance policy

If you park outdoors often and have a large hailstorm at least once a year, make sure you have comprehensive coverage on your auto insurance policy. (more…)

6 Strange Things Covered by Homeowners Insurance

Posted on April 26th, 2016 By WACDMediaAdmin

Even though you’re paying for homeowners insurance you probably hoping to never have to use it. We know the typical things covered by homeowners insurance: structure of the home, personal belongings, liability protection, additional living expenses, and the list goes on. Your insurance policy might cover more than you think!

Stampede

Believe it or not, rare moments like your neighbor’s herd of goats stampeding to your house and wreaking havoc can be covered for damages. That is, provided that those animals weren’t yours. Also, stampeding animals must be non-domesticated which includes goats, horses, and cows. These unfortunate events are covered when they are unintentional, but make sure you create your own ways of preventing them. Your homeowners insurance company would surely pay for any damage done in this situation, but be sure to make those adjustments so that you can prevent future damage to your home. (more…)

Auto Insurance and Rental Car Coverage

Posted on April 12th, 2016 By WACDMediaAdmin

Screech! The brakes of your car are screaming as your car slips and slides like a terrible amusement park ride through the glistening snow. You are unable to maintain control, careen off the edge of the road and straight into that ditch that has been beckoning every car that passed by during the snowstorm into its gaping maw.  You pull out your phone, and call up some help while you step out of your vehicle into the biting cold air. Not much more than a bruise and a couple of scratches for you. However, your car looks like it has more to worry about than a few bruises. Its run in with the ditch’s mouth has left the front end of your car looking like a mangled mess. Fortunately your auto insurance policy will cover the car. But what are you going to do while you wait for the repairs to finish? You only have one car, and your job is in the next town over! Your auto insurance company will surely help you get a rental car! Right? (more…)

Homeowner’s Insurance: Dealing with Robbery

Posted on April 6th, 2016 By WACDMediaAdmin

 

Bam! The sound reverberates around the house, waking you. It could be just the house settling. It’s probably just the wind, but the thought is still in the back of your mind. What if someone just broke into your house? What if you get robbed? Are you safe? Even if you and your family are safe, what happens if the robber steals some of your valuables?  Are they covered by your homeowner’s insurance policy? (more…)

Business Insurance Checklist

Posted on March 16th, 2016 By WACDMediaAdmin

Starting a small business can be exciting. Things start taking off and it feels like nothing can stop you and your business. While you may have a business that is growing rapidly and you are gaining more employees, make sure you have the right business insurance coverage. We want to help you keep your business up and running strongly, so here is a checklist for all business insurance you may need. These are all the insurance items you need to keep your business and employees safe.

General Liability Insurance

Even if your business is at home, it is important to have liability insurance for it. (more…)

Rental Car Insurance for Spring Break

Posted on March 11th, 2016 By WACDMediaAdmin

Are you going somewhere for spring break? If so, will you be using a rental car when you get there? Before the rental company gives you the keys, they will ask you if you want their rental car insurance. Rental car insurance can be confusing, but is important to know about when traveling. Here are some steps you should take when dealing with rental car insurance:

Call your Auto Insurance Company.

The first thing you should do is call your auto insurance company or auto insurance agent. They can tell you whether or not you are covered for renter’s insurance. Often times, your car insurance policy will already cover car rentals for the same type and amount of coverage as your own personal car. Make sure you get the specific details from your agent. Not all policies cover the same types of accidents. For example, some companies will not cover the car if it was parked in a bad part of town. There are rental agreements through each auto insurance company that have these details. Contact your agent to find out specifically what they will cover for rental car insurance. (more…)