Category: Insurance

30 Nov 2017

Throwing a holiday party? Make sure you’re covered!

Ah, the holidays. Some of you are giddy with excitement, and some of you might be mumbling bah-humbug already. I know this. So, it seemed like a good time to offer some tips for helping you navigate parties and guests, while keeping your risks to a minimum. I caught up with Robin Price, president, Allen Tate Insurance, and asked her how to get “merry and bright” right when it comes to insurance coverage. Before the festivities get started You can go ahead and deck the halls, but before you host a holiday dinner or throw a big party, check your property insurance (e.g., homeowners, renters, condominium) for property damage and liability coverage. Remember, it doesn't matter whether you invite one guest or a...
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21 Nov 2017

From grills to fire pits, 6 ways to keep it all safe and fun

The fall season in the Carolinas brings cooler temperatures, and time to get back outdoors for tailgating, home cookouts, marshmallow roasts or simply mellowing out by an outdoor fire. Robin Price, President, Allen Tate Insurance, reminded me that while having fun, we should be careful. In the U.S., 7,000 Americans are injured every year while using a grill (ABC news). And since, according to the American Society of Landscape Architects, fire pits, or outdoor fireplaces, are the No. 1 requested design feature today, a quick review of safety precautions would probably be a good thing. So we chatted last week, before I could run outside eagerly with my fire starter lighter. “First,” Robin says, “Read the safety instructions that came with...
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19 Oct 2017

Insuring your haunted house

What does Robin Price, President, Allen Tate Insurance, think about all the Halloween celebrations coming up in the Carolinas? It seemed a worthy question, because it looks like we are all in for Halloween, which is second only to the Christmas season in consumer spending for decorations. Robin even mentioned she had seen in Property and Casualty 360, that according to the National Retail Foundation (NRF), more than 171 million Americans will celebrate Halloween this year, and 71 percent of Americans plan to hand out candy, with nearly half also decorating their homes. So which witch where? We can’t get enough of Halloween stuff, for the inside and outside of our houses, with elaborate displays that range from haunted houses in...
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3 Oct 2017

A discussion about deductibles

If you have any kind of insurance - and who doesn't - you have likely paid or at least, discussed a deductible with your insurance provider. The basics are pretty easy to understand: You, as the policyholder, agree to pay a certain amount or percentage toward the overall claim paid by your insurer. In the case of auto or home insurance, the amount of your deductible usually ranges from a few hundred to a few thousand dollars. But why do deductibles exist anyway? It's a matter of shared risk. The insurer pays the claim, and in turn, you are rewarded with a lower insurance premium. Generally, the higher the deductible, the lower your premium cost. While it may not seem like much,...
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21 Sep 2017

6 Questions asked and answered about life insurance

Life insurance. Yeah, your eyes glaze over and you start checking your Instagram just at the mention of it. But keep your attention here for just a few moments and I promise it won’t be painful. Life insurance is something that takes care of your loved ones, plain and simple. And that’s something we can all make a little time for, isn’t it? And actually, according to the 2016 Insurance Barometer Study by Life Happens and LIMRA, 1 in 3 households would have immediate trouble paying living expenses if the primary wage earner died. And, the study also found that 40% of respondents had not bought life insurance or more of it because they were unsure of how much or what...
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18 Jul 2017

9 things to know when shopping for auto insurance

Did you get a new vehicle for those summer road trips, or pulling a boat or camper? Do you feel confident you have the best coverage at the best rate available for your current or new vehicles? This week, Robin Price, president, Allen Tate Insurance, shared some good advice with me that I thought I should pass on to you. So, here are nine things to know about shopping for auto insurance. 1. Understand the value of an independent agent. One of the biggest advantages of working with an independent insurance agency like Allen Tate Insurance is that it gives you more choices. Because a variety of carriers can be represented, an independent agent has multiple resources to find the best...
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27 Jun 2017

It’s hurricane season again: Are you covered?

If you’ve ever heard a summer weather forecast – sunny, highs in the mid-80s, chance of late afternoon thundershowers – you might decide that it’s not too hard to be a meteorologist. But when it comes to predicting hurricanes, the process is highly scientific, utilizing analog data, statistical models, atmospheric conditions and ocean temperatures. According to recent reports, the 2017 hurricane season is shaping up to be pretty busy--already experts are predicting more action than historical hurricane activity. So while the power company, emergency responders and municipal officials can plan, drill and equip for the worst, what can you do as a consumer and home owner? “As much as science helps set the stage, hurricanes can be unpredictable when it comes to...
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23 Mar 2017

#TBT When it rains and the wind blows

Our warm, sunny March is leading us right into April shower season!  With those rains we can easily have power outages, flooding and fallen trees. There’s nothing fun about a huge tree falling and damaging our own things, but when it falls on our neighbors’ property, it’s even worse.  Allen Tate Insurance is often asked the question – when a tree falls, who is responsible? You may be surprised by the answer! If a tree on your neighbor’s property is in “good condition” and it falls onto your home/property during bad weather, it will be your responsibility to file a claim with your insurance company since the damage did not occur due to any negligence on your neighbor’s part.  In this instance,...
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6 Jan 2017

#FBF Oh deer!

I love our house. It’s back off the road in what I call the “country,” and on any given night, you can see stars for miles. We live on a few acres of land, and it suits us better than the hustle and bustle of city living. But there’s one big drawback: deer. While these seemingly gentle creatures are beautiful and carry with them a sense of quiet magic, deer plus country roads plus vehicles equals a deadly combination. In the Unites States, there are more than 1.5 million deer-related car accidents each year. That’s over 1.5 billion in damages! And it’s not just the country roads are a susceptible to deer collisions. It’s not unusual to see deer near major highways, residential subdivisions...
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