Category: Insurance

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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13 Apr 2016

Boat Insurance 101

Who is ready to go out on the boat? Before you head out on the lake or drive to the coast, it’s time to make sure you have the proper insurance coverage for your boat. More than 11 million recreational vessels were registered by the states in 2014. The U.S. Coast Guard reported 4,064 accidents that involved 610 deaths, 2,678 injuries and $39 million in property damages as a result of recreational boating accidents. And of course, no one thinks an accident will ever happen to them. Here are a few things to think about before you put your vessel in the water. Is liability insurance part of a boat owner’s coverage? Most boat policies provide for liability coverage for a stated limit of liability....
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16 Mar 2016

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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24 Feb 2016

We communicate YOUR way

In our busy and technology-driven lives, we as consumers are no longer interested in spending time trying to reach customer service over the phone or hours in person to take care of our personal business. Ease of communication is what we look for in any company we do business with, including our insurance company. As an independent insurance agency, Allen Tate Insurance strives to deliver exceptional customer service, in ways that are both convenient and effective for our clients, while remaining compliant with industry guidelines. Email communication is a great way for us to let you know about changes, updates to your account and other information that requires details. Email is universally the preferred method of doing business already, because it’s easy...
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24 Feb 2016

We communicate YOUR way

In our busy and technology-driven lives, we as consumers are no longer interested in spending time trying to reach customer service over the phone or hours in person to take care of our personal business. Ease of communication is what we look for in any company we do business with, including our insurance company. As an independent insurance agency, Allen Tate Insurance strives to deliver exceptional customer service, in ways that are both convenient and effective for our clients, while remaining compliant with industry guidelines. Email communication is a great way for us to let you know about changes, updates to your account and other information that requires details. Email is universally the preferred method of doing business already, because it’s easy...
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27 Jan 2016

It’s Time for Your Insurance Check-up

Has the New Year brought a fresh resolve to get the things done you’ve been putting off? Does making a maintenance appointment for your car, or seeing your doctor for a check-up come to mind? While making all those other appointments, you may want to schedule an insurance check-up while you’re at it. Life events Your life, health and personal insurance could be affected or need adjustment by many things that can occur in the course of a year. That’s why we recommend that you review your insurance coverages annually. Is that new car covered at the limits you need? Have you gotten married or moved into a new home? Did someone get some jewelry over the holidays that needs extra insurance? Are...
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16 Dec 2015

‘Tis the Season for Giving

It’s the time of year when many of us will be receiving things that sparkle or fun new gadgets to play with. But before you get too excited about your gifts, take the time to make sure they are properly insured. Often it is assumed that items such as jewelry, artwork, antiques, furs and cameras are automatically covered to their full value under the homeowner’s policy. In most cases coverage for items such as these is limited, and you need to have special coverage to cover them to their full value. A personal articles policy will provide the specialized coverage you need. In case of a covered loss, this specialized coverage allows you to recover the value of the insured item.  When...
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