Category: Insurance

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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13 Jul 2016

Wedding Day Blues

wedding cake
You've planned and planned for your special day so everything would be just right. On average, the cost of wedding festivities, clothing, travel and photography is about $26,000. But then the day comes and it's a disaster. Your reception venue is flooded and your out-of-town guests and your photographer are stuck halfway across the country because the airport is closed, due to a hurricane. But fear not. A wedding disaster can be fixed – at least financially – if you have prepared in advance. It's called wedding insurance. And while it can't fix everything (or cold feet before you reach the altar - more on that later), it can provide financial protection and reimbursement for expenses incurred if you have to cancel or...
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3 Jun 2016

What the car salesman won’t tell you #FlashbackFriday

Everyone loves a new car. Whether you are replacing an existing vehicle or adding another vehicle to your household, it’s important to understand how this “new addition” affects your insurance coverage. Active auto policies have automatic coverage for a specified number of days. The number of days for automatic coverage depends on state regulations AND whether the vehicle is a new or replacement vehicle. There are also stipulations as to whether your auto policy’s automatic coverage provides liability only or full coverage (comprehensive and collision). Before you begin shopping for your dream car (or maybe soccer team transport vehicle?), it’s a good time to talk with your insurance agent about the types of coverages required and available, to make sure you are fully...
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18 May 2016

Secrets to Saving on Your Auto Insurance

One of the biggest advantages of working with an independent insurance agency like Allen Tate Insurance is choices. Because we represent a variety of carriers, we can find the best coverage for your particular needs, at the best price available. Another advantage is that we have access to some unique programs and discounts that may not be offered by all carriers. Consider the following auto coverages, available through select carriers, to help save you money: First accident forgiveness – This is a great benefit to new drivers. The first at-fault accident does not cause the policy rate to increase. Good student credit – Statistics show that students who get grades are less likely to get into a car accident. If your high school or...
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4 May 2016

Keep Safe During a Move

Every year, thousands of individuals relocate across the country – some even across the world – for a new job, or a transfer with their existing company. Unfortunately, global security has become a real threat, and moving is a busy and stressful time when many people are most vulnerable. So how do you keep your employees – or yourself – safe in today’s world? I recently attended a meeting of the Charlotte Metro Area Relocation Council (CMARC) that included a panel discussion on data security and business travel. The speaker panel featured corporate leaders, current and former FBI agents and a representative from International SOS. This very knowledgeable group offered the following suggestions. While some of this may seem obvious, you’d be surprised by...
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