Category: Insurance

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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28 Dec 2016

Real Estate resolutions for 2017

  What positive changes do you plan to make in 2017? If you are looking to lose weight, stop smoking or eat healthier, we wish you well, but we probably can’t help you. But here are a few “real estate resolutions” to consider that can save you time, money, frustration or all of the above in the New Year: I will only buy or sell a home with the assistance of a professional Realtor (ideally, an Allen Tate Realtor®). Unless you have previous experience in real estate (and even if you do), going the For Sale by Owner (FSBO) route is just a bad idea. Real estate can be complicated and even a simple mistake can be costly. You need a professional. ...
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17 Oct 2016

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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9 Sep 2016

No one knows the future #FlashbackFriday

Life keeps us busy. With work, school, activities and errands, we often don’t take time to stop and plan for the future. Life insurance isn’t sexy, and no one likes to think about the worst, but it’s important to make sure your family is taken care of, in case you’re not around. Here are some things to consider regarding life insurance: Start with term. Term insurance is a great way to get started and the least expensive option. Term is for a specific period and will expire at the end of the term. You can use it to pay off a mortgage or helping with college needs for your children. They depend on you. If you have a spouse, partner or children or others...
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22 Aug 2016

Does your college student need insurance?

If this month’s plans include sending a child off (or back) to college, our thoughts are with you. This is an exciting – and emotional – time for both parents and students. But between selecting the right meal plan, decorating a dorm room or apartment and shopping for the latest technology, it’s important to take a moment and consider the security of your student’s personal belongings. Today’s college students take everything to campus – from computers, tablets and printers to flat-screen televisions, video gaming systems and cameras. And that’s just technology. Factor in furniture, sports equipment, bicycles, musical instruments, textbooks, room décor, bedding, clothing, designer shoes, jewelry and accessories – and you’re talking a pretty hefty haul. According to the National Association of...
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8 Aug 2016

Single in search of a dream home

If you’re single and looking to buy a home, you’re not alone. According to the National Association of Realtors® 2015 Profile of Home Buyers and Sellers, 18 percent of recent first-time homebuyers nationwide were single females and 11 percent were single males. That’s nearly one-third of the total buyer population. The average single female buyer was 32, with a household income of $49,400. The average single male buyer was 30, with an income of $58,100. No need to be part of a couple to buy a home today, assuming you have a steady income, good credit history and some money set aside for a down payment. But you might appreciate some advice before you go it alone. Is it the right time? The...
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