Tag Archive for: coverage

What to Look Out for When Renewing Homeowners Insurance

Renewing Homeowners Insurance

How to update your policy when renewing homeowners insurance.

While the spring season is upon us, take the time to clean up your home’s protection. While spring cleaning offers the ideal time to check smoke alarms and maintenance tasks, there are other ways of protecting your home this season. Renewing homeowners insurance is a must for every homeowner, but do you ever comb through your policy to ensure it still meets your needs?

Here’s what to check out when you review your policy!

Personal Belonging Coverage

Have you recently acquired family heirlooms, a brand new laptop, or sold some expensive jewelry? If so, your insurer should know. Providing protection for your personal possessions is a big part of a homeowners insurance policy. If you don’t have the correct items listed on your home inventory, you could be exposing your beloved items to risk. Whenever you buy or sell something of value, take the time to update your home insurance policy. If you haven’t done so yet, review this when renewing your insurance as you may forget to update it throughout the year.

Upgrades That Call for an Update

Kitchen renovations, bathroom installments, and home upgrades all call for a review of insurance. Look through your policy when you renew it – have you made any changes to the home? Renovations can cause your home’s value to increase, meaning that your old insurance policy doesn’t cover the home in its entirety. Additions such as a pool or adopting a dog call for additional liability protection. In these cases, an umbrella policy is desirable.

Ask the Experts

Insurance professionals are there to help you through the process of reviewing and renewing insurance. Talk to your local team for more information on how to secure reliable coverage. Visit Chambers & Company Insurance Brokers for the quality insurance policies that you need and deserve.

Stand Up to Breast Cancer This Month

Breast Cancer Awareness Month

October is National Breast Cancer Awareness Month.

For more than two decades, October has been the designated focal point of all things breast cancer related. This month focuses on raising awareness for women to get screened for early detection, diagnosis, and treatment, along with emphasizing support for those who are living survivors. How will you be partaking in Breast Cancer Awareness Month?

Detection

One in eight women will face breast cancer in her lifetime. Medical screenings are designed to detect the early stages of cancer, which can go a long way for successful treatments and early action.

Women are encouraged to perform breast self-exams once a month to detect any changes, whereas clinical breast exams are suggested every three years for women in their 20s and 30s, and every year for women over 40. Similarly, women over 40 should be receiving mammograms annually, where digital technology can detect tumorous cells before they can be felt. This October, set up an early detection plan and encourage your friends and family to do the same!

Prevention

Living a healthy lifestyle can go a long way in preventing breast cancer. Although there is no combination of methods that ensures a breast cancer-free life, there are steps that you can take to promote healthy living, possibly preventing the disease.

Tips include eating a well-balanced diet, exercising regularly, maintaining a healthy weight, minimizing alcohol consumption, refraining from smoking, performing self-breast exams, and reporting for all recommended mammograms and exams. It really is that easy!

Fundraise

Men, fear not – you can get involved, too! Create a fundraiser or partake in a local event to raise money and awareness for other women. Stuck on how to get started? You can host an event, an online fundraiser, race, or become a brand ambassador! Check out advice on fundraising.

You can do your part for October’s Awareness Month by alerting others of the tips, booking your screening, and taking care of your health. For a health care plan, visit the professionals at Chambers & Company Insurance Brokers. We provide personal and commercial insurance to suit your needs, assets, and budget!

How Auto Insurance Can Help in the Aftermath of an Accident

auto insurance

Whether you brace for the collision ahead or are tapped from the behind, here’s how your auto insurance can help.

Any car accident or crash can leave you feeling a bit flustered. After a crash, you don’t want to be fumbling about trying to Google what to do or forget a critical step in the process. Fortunately, this guide can help make the moments after an accident less stressful as well as making the claims process that much smoother. Do you know how to handle a car accident and file a claim for your auto insurance?

Move to a safe area. If you can, pull over to the side of the road, out of the flow of ongoing traffic. If moving your car isn’t possible, turn on your hazard lights to warn other drivers that your vehicle is stopped. Make sure that everyone is okay in both vehicles, and call the police pronto.

After an accident, collect information. From the moment you collide with another vehicle, person, or property, keep good records. Take note of the time, the other driver’s name, location, license number, insurance company, and contact information. Once the police have arrived and taken statements, ask for a copy and write down the officer’s names.

Contact your insurance company. Let your insurance company know that you were in an accident and provide all the specifics of the crash. If you took photos or a video of the scene, send them over to your insurance agent as they may help during the claims process.

Work with the claims adjustor. When filing a claim, many insurers will send an adjuster out to inspect the damage to your vehicle. After this, you’ll be sent a settlement offer, you’ll pay the deductible, and have your insurance kick in to cover the rest.   

Being involved in a crash is never ideal, especially if you have to worry about financial hardships. Minimize this risk by knowing how to handle an accident and ensuring that you have sufficient coverage on your auto insurance. To determine the right amount of protection that best suits your vehicle, needs, and budget, contact one of our helpful agents at Chambers & Company Insurance Brokers today!

Stress Less With a Simple Lifestyle

Stress Less with a Simple Lifestyle

A simple lifestyle can help you stress less in the New Year.

It’s hard to believe, but we’re already a month into 2016! That means you probably have a pretty good idea of how you’re going to do with your New Year’s resolutions. For some of them, you just need some self-discipline to keep, but others might be a little trickier. If you’re trying to cut out stress, you might be at a loss. We can help! If you want to stress less in the year ahead, consider implementing a simple lifestyle.

A simple lifestyle is exactly what it sounds like. You cut out the clutter, both physically and mentally. That might mean shrinking your closet to a reasonable size or turning off the TV so you’re not living in a state of constant distraction. Minimizing your stuff, and easy entertainment can also help you minimize your stress.

Living simply will help you unplug. When you don’t have the habit of turning on your TV or logging into your social media, your brain isn’t constantly overstimulated. That pesky blue light is causing some serious damage! Turing off electronics makes it easier for you to rest, and rest is crucial in fighting stress.

Having less to stimulate you will also leave you looking for ways to amuse yourself. For a lot of people, this leads to creative pursuits. Instead of flipping through your phone, you might find yourself painting, learning guitar, or tackling that hike you’ve always wanted to finish. Then, when life gets stressful, you can turn to this creative outlet to blow off steam in a healthy and productive way!

Could simplifying your life help you be less stressed in 2016? Why not try it and find out!

Another great way to stress less is to make sure you have the right Insurance coverage to protect you from life’s what-ifs. To get the commercial and personal insurance you need, contact Chambers & Company Insurance Brokers today.