Travelers Insurance says, "Distinctive homes require distinctive insurance protection." While every home is a signifigant investment, high value homes with special characteristics and architectural features require unique coverage. Often these homes also contain fine possessions such as art, collectibles, jewelry or antiques, which nececitates very special coverage. We have several preferred carriers with whom we can pair you for insuring your home; one example of which is Travelers Platinum Plus, some of whose unique features are as follows:
* Additional replacement cost coverage up to 100% of your Coverage A limits
* Cash settlement option in the case of a total loss
* Accomodation and increased expense coverage includes meals and laundry
* Coverage for costs incurred due to changes in building codes
* Automatic inclusion of personal injury protection
* Higher limits for valuable items
* Data restoration and identity fraud protection included
* Deductibles up to $50,000 allow you to lower your premium
In order to ensure that you have the most appropriate insurance coverage, a free appraisal of your home is provided by Travelers, and in the event of a claim the appraisal provides detailed information which helps to expedite your claim.
call me to get your high value homeowners insurance quote at
1-855-GET-SELECT (438-7353)
http://www.selectinsuranceteam.com/selectinsuranceblog.html
Showing posts with label Travelers Insurance. Show all posts
Showing posts with label Travelers Insurance. Show all posts
Sunday, May 8, 2011
Thursday, April 21, 2011
Gold’s Price Surge May Mean Your Jewelry Is Under-Insured
Gold prices have skyrocketed over the last decade, which means your jewelry may be under-insured if you haven’t had it appraised recently.
During a recent survey, 428 married women and found that more than half of them either had never had their engagement rings appraised or hadn’t done so in the prior 10 years. That could be a costly oversight if they lose or damage a piece, given that gold now sells for close to $1,500 an ounce, or more than six times the roughly $240 an ounce it brought 10 years ago, says the metals site, kitco.com.
Owners should take their pieces to a reputable jeweler for an updated appraisal, and should check their policies to see what their coverage limit is. He has seen some instances where the existing coverage wasn’t enough to pay for the full replacement cost of a piece of jewelry. So my question to you is: If you got married 20 years ago,is that limit still adequate?
The Insurance Information Institute, an industry group, says a homeowner’s insurance policy typically covers the theft of jewelry up to a set limit — $1,500 is standard — but usually doesn’t cover damage to the item, or loss. You can purchase additional protection at extra cost, by having the item “scheduled,” or itemized, on the policy. The extra coverage, often called a “floater,” also adds protection for damage or loss–including, say, accidentally washing your ring down the kitchen drain.
Scheduling the item on your homeowner’s policy or buying a specialty policy both require that you have the piece evaluated, or appraised. It’s a good idea to have jewelry inspected periodically anyway, to make sure clasps or prongs aren’t damaged, perhaps putting a gem at risk.
Have you recently had your jewelry appraised? Did you need to increase insurance coverage as a result? Call me for a free homeowners insurance consultation at 1-855-GET-SELECT (438-7353)
Steve Ludwig
President/CEO
Select Insurance Group
During a recent survey, 428 married women and found that more than half of them either had never had their engagement rings appraised or hadn’t done so in the prior 10 years. That could be a costly oversight if they lose or damage a piece, given that gold now sells for close to $1,500 an ounce, or more than six times the roughly $240 an ounce it brought 10 years ago, says the metals site, kitco.com.
Owners should take their pieces to a reputable jeweler for an updated appraisal, and should check their policies to see what their coverage limit is. He has seen some instances where the existing coverage wasn’t enough to pay for the full replacement cost of a piece of jewelry. So my question to you is: If you got married 20 years ago,is that limit still adequate?
The Insurance Information Institute, an industry group, says a homeowner’s insurance policy typically covers the theft of jewelry up to a set limit — $1,500 is standard — but usually doesn’t cover damage to the item, or loss. You can purchase additional protection at extra cost, by having the item “scheduled,” or itemized, on the policy. The extra coverage, often called a “floater,” also adds protection for damage or loss–including, say, accidentally washing your ring down the kitchen drain.
Scheduling the item on your homeowner’s policy or buying a specialty policy both require that you have the piece evaluated, or appraised. It’s a good idea to have jewelry inspected periodically anyway, to make sure clasps or prongs aren’t damaged, perhaps putting a gem at risk.
Have you recently had your jewelry appraised? Did you need to increase insurance coverage as a result? Call me for a free homeowners insurance consultation at 1-855-GET-SELECT (438-7353)
Steve Ludwig
President/CEO
Select Insurance Group
Sunday, April 10, 2011
Are the Cheapest Auto Insurance Quotes Always the Best Choice?
Naturally nobody could blame you for wanting the cheapest auto insurance quotes especially when the going is tough as it is. Depending on your preferences the answer to this question could be different. Hopefully there will be one or two tips in this article for you as to how to choose your insurance company.
Certainly there are many cases in which the cheapest quotes could provide a solution. For example, they would be much better than not having any insurance. Many motorists would want the bare minimum coverage and absolute lowest prices because of their financial situation.
We can not rule out that money plays an important factor in your choices but we need to keep in mind the promise of insurance. It is not like any other products that you see, like and buy off the shelf. It is a promise to pay the claims when you suffer an unfortunate accident. For that reason you need to trust the company behind the promise.
Ideal solution to this dilemma is to get several quotes from competing auto insurance companies and line up your options. If you have a few companies at the low end of the price list, then you could comfortably pick one of them.
You have a problem when you have most of the companies piled up at a price range and one company comes considerably lower than anyone else. Unless that is a highly reputable company you would be better off dumping that choice. The rule of averages work pretty well in most cases and it makes much more sense to get rid of the highest and lowest quotes from your list.
It is worth mentioning that insurance companies are well regulated and you would be safe with most of them. But common sense should prevail all the time and the quotes should make sense. After all you are buying auto insurance for peace of mind. It is important that you feel comfortable with the insurer because it offers reliable security and fairly priced quote
Call us at 1-855-GET-SELECT (438-7353) to discuss auto insurance companies and options.
Certainly there are many cases in which the cheapest quotes could provide a solution. For example, they would be much better than not having any insurance. Many motorists would want the bare minimum coverage and absolute lowest prices because of their financial situation.
We can not rule out that money plays an important factor in your choices but we need to keep in mind the promise of insurance. It is not like any other products that you see, like and buy off the shelf. It is a promise to pay the claims when you suffer an unfortunate accident. For that reason you need to trust the company behind the promise.
Ideal solution to this dilemma is to get several quotes from competing auto insurance companies and line up your options. If you have a few companies at the low end of the price list, then you could comfortably pick one of them.
You have a problem when you have most of the companies piled up at a price range and one company comes considerably lower than anyone else. Unless that is a highly reputable company you would be better off dumping that choice. The rule of averages work pretty well in most cases and it makes much more sense to get rid of the highest and lowest quotes from your list.
It is worth mentioning that insurance companies are well regulated and you would be safe with most of them. But common sense should prevail all the time and the quotes should make sense. After all you are buying auto insurance for peace of mind. It is important that you feel comfortable with the insurer because it offers reliable security and fairly priced quote
Call us at 1-855-GET-SELECT (438-7353) to discuss auto insurance companies and options.
Wednesday, May 12, 2010
shopping options for auto insurance
Shopping for car insurance can be a big undertaking. It can be daunting at times but is very important. There are now many ways to get yourself insured and the coverage you need.
Smart customers know it pays to do a little research before buying car insurance. Just based on the price of the insurance rates today, why not take the time to check the rates with several companies. Researching companies holds true for renewals as well. You can get a feel for the insurance market and find out if you have the best rates. If your current policy is already cheaper you know you are doing all right.
The first and best way to find out what is out there is to go through your local yellow pages. Most, if not all, companies will give you quotes right over the phone. This way you can run down the list and get multiple rates right away. One thing to remember is to compare apples to apples. This means make sure you are getting the price for the same type of coverage.
Full coverage for one company is not the same as for another. Limits are important to look at as well. Bodily injury with company A may be a little cheaper then B but their coverage may be only 10,000/20,000 while B's is 100,000/300,000. You want to make sure you are aware of the coverage you are have and that you want the type of insurance you are getting a rate for. You can always adjust your policy up or down to meet your needs. Before adjusting it down consider that you may save a few dollars now by lowering coverage but during a claim be unhappy that the limits paid are lower then your damages. Always, always buy as much insurance as you can afford.
Another way to find companies in your area is to go online (www.insuredbysteve.com) . The Internet is an excellent tool to help you shop around. You can look up many carriers and may even be able to run quotes yourself. There is no waiting on hold and you can usually do it 24 hours a day. You do not have to wait for an agent to help you or call you back if he or she is busy. You can print out lists and easily compare prices.
Online you can also check the credentials of the company. You can look to see how long they have been in business and find locations. You can find companies that are not in your local area but can serve you just as well. Some companies allow you to start your policy right on the computer for added convenience. You can get your quote, enter your information and activate your policy immediately. Proof of insurance usually can be printed right from your home computer's printer.
Driving around town may also afford you the chance to find a company that is close to you. An agency close to your home or job is convenient (877 My Insurance is located at 14575 Manchester Rd 2 miles west of highway 141). Agencies close by also let you make payments right in the office and lets you get to know your agent. This way however does give you a limited amount of choices and prices may not be as good as you may get by calling around.
Is one way better then the other? Well that is up to you. Some people just want to get the process over and done with. Some people want the best rate available. Some want the best and most coverage available. The answer is whatever is most comfortable for you is what you should go with.
Let me shop your insurance rates and find you discounts that you might realize, existed. You can do so by calling me direct at 636-410-6219 or visiting www.insuredbysteve.com
Smart customers know it pays to do a little research before buying car insurance. Just based on the price of the insurance rates today, why not take the time to check the rates with several companies. Researching companies holds true for renewals as well. You can get a feel for the insurance market and find out if you have the best rates. If your current policy is already cheaper you know you are doing all right.
The first and best way to find out what is out there is to go through your local yellow pages. Most, if not all, companies will give you quotes right over the phone. This way you can run down the list and get multiple rates right away. One thing to remember is to compare apples to apples. This means make sure you are getting the price for the same type of coverage.
Full coverage for one company is not the same as for another. Limits are important to look at as well. Bodily injury with company A may be a little cheaper then B but their coverage may be only 10,000/20,000 while B's is 100,000/300,000. You want to make sure you are aware of the coverage you are have and that you want the type of insurance you are getting a rate for. You can always adjust your policy up or down to meet your needs. Before adjusting it down consider that you may save a few dollars now by lowering coverage but during a claim be unhappy that the limits paid are lower then your damages. Always, always buy as much insurance as you can afford.
Another way to find companies in your area is to go online (www.insuredbysteve.com) . The Internet is an excellent tool to help you shop around. You can look up many carriers and may even be able to run quotes yourself. There is no waiting on hold and you can usually do it 24 hours a day. You do not have to wait for an agent to help you or call you back if he or she is busy. You can print out lists and easily compare prices.
Online you can also check the credentials of the company. You can look to see how long they have been in business and find locations. You can find companies that are not in your local area but can serve you just as well. Some companies allow you to start your policy right on the computer for added convenience. You can get your quote, enter your information and activate your policy immediately. Proof of insurance usually can be printed right from your home computer's printer.
Driving around town may also afford you the chance to find a company that is close to you. An agency close to your home or job is convenient (877 My Insurance is located at 14575 Manchester Rd 2 miles west of highway 141). Agencies close by also let you make payments right in the office and lets you get to know your agent. This way however does give you a limited amount of choices and prices may not be as good as you may get by calling around.
Is one way better then the other? Well that is up to you. Some people just want to get the process over and done with. Some people want the best rate available. Some want the best and most coverage available. The answer is whatever is most comfortable for you is what you should go with.
Let me shop your insurance rates and find you discounts that you might realize, existed. You can do so by calling me direct at 636-410-6219 or visiting www.insuredbysteve.com
Tuesday, April 20, 2010
Posting your birthday on Facebook could result in Identity Theft
Think twice before posting your birth date on Facebook or other social networking sites. According to Information Week, doing so could help identity thieves predict your Social Security number.
Online information about your date of birth and place of birth could allow identity thieves to guess your Social Security number, according to a Carnegie Mellon report. Its findings suggest that Social Security numbers can be predicted using basic demographic data gleaned from government data sources, commercial databases, voter registration lists, or online social networks.
Knowing a person’s Social Security number (SSN), name, and date of birth is typically enough to allow an identity thief to impersonate that person for the purpose of various kinds of fraud.
Researchers estimate that 10 million American residents publish their birthdays in online profiles, or provide enough information for their birthdays to be guessed.
Were you aware that Travelers Insurance has an Identity Theft Policy? By combining your Home or auto with the Identity theft protection sheild, you are elligible to receive a multi-line discount, which basically saves you enough to pay for the extra coverage. Get your Free Insurance/Identity theft quotes for FREE at www.insuredbysteve.com or by calling me at 314-368-9125. P
Online information about your date of birth and place of birth could allow identity thieves to guess your Social Security number, according to a Carnegie Mellon report. Its findings suggest that Social Security numbers can be predicted using basic demographic data gleaned from government data sources, commercial databases, voter registration lists, or online social networks.
Knowing a person’s Social Security number (SSN), name, and date of birth is typically enough to allow an identity thief to impersonate that person for the purpose of various kinds of fraud.
Researchers estimate that 10 million American residents publish their birthdays in online profiles, or provide enough information for their birthdays to be guessed.
Were you aware that Travelers Insurance has an Identity Theft Policy? By combining your Home or auto with the Identity theft protection sheild, you are elligible to receive a multi-line discount, which basically saves you enough to pay for the extra coverage. Get your Free Insurance/Identity theft quotes for FREE at www.insuredbysteve.com or by calling me at 314-368-9125. P
Saturday, April 17, 2010
Renter's Insurance In a Nutshell: What You Need to Know
The last thing on your mind when renting a home or apartment is probably renter's insurance right? Renter's insurance can bring you a peace of mind that you are protected from life's unpredictable events. You may assume that you are covered under your landlord's insurance, but that is not always the case. Your landlord's insurance policy probably only covers damages to the actual building structure or anything attached to the structure (ex:gutters, awnings, roof, etc); not your actual possessions. Renter's insurance actually ensures that you can protect your own possession from a disastrous scenario.
Here is what you need to know about renter's insurance in a nutshell:
What is Renter's Insurance?
Renter's insurance typically covers the losses of your possessions. It is similar to homeowner's insurance except it does not include coverage of damage to the actual building you live (your landlord's worry).
It covers the costs of replacing personal items that are stolen, damaged, or destroyed. According to MSN Money, some of the types of disasters that are typically covered by renter's insurance are:
•Fire or lightning
•Windstorm or hail
•Explosion
•Riot or civil commotion
•Aircraft
•Vehicles
•Smoke
•Vandalism or malicious mischief
•Theft
•Damage by glass or safety-glazing material that is part of a building
•Volcanic eruption
•Falling objects
•Weight of ice, snow, or sleet
•Water-related damage from home utilities
•Electrical surge damage
Do take note that renter's insurance does not typically cover flood damage or earthquake damage.
What Does It Cover?
What renter's insurance covers varies. Your insurance will typically cover the following:
•Electronics
•Clothes
•Furniture
•Sports Equipment
•Appliances
•Jewelry
•Collectibles
Keep in mind that actual value coverage is vastly different than replacement value coverage. If you have an old sound system that you bought for a pretty penny back in 2000, it may not be worth much in actual value. If you have to replace that sound system, it will probably cost more. Make sure you know if you are covered for actual value versus replacement cost.
The one nice perk about renter's insurance is that it covers your possessions even if the damage occurs outside of home. Let's say you are outside and someone steals your wedding band. You are typically covered by renter's insurance.
It Protects You From Liability
Renter's insurance also often covers you from many types of liability -- such as someone getting injured in your home, damage you cause to another person't property (you mess up the neighbor's house), and housing costs if your own home becomes uninhabitable.
In the end, paying for renter's insurance is worth the hassle because it protects you from a host of bad things that no one can predict. It is one of those things that no one really thinks about, but when you are in a pinch, you are glad it is there.
Here is what you need to know about renter's insurance in a nutshell:
What is Renter's Insurance?
Renter's insurance typically covers the losses of your possessions. It is similar to homeowner's insurance except it does not include coverage of damage to the actual building you live (your landlord's worry).
It covers the costs of replacing personal items that are stolen, damaged, or destroyed. According to MSN Money, some of the types of disasters that are typically covered by renter's insurance are:
•Fire or lightning
•Windstorm or hail
•Explosion
•Riot or civil commotion
•Aircraft
•Vehicles
•Smoke
•Vandalism or malicious mischief
•Theft
•Damage by glass or safety-glazing material that is part of a building
•Volcanic eruption
•Falling objects
•Weight of ice, snow, or sleet
•Water-related damage from home utilities
•Electrical surge damage
Do take note that renter's insurance does not typically cover flood damage or earthquake damage.
What Does It Cover?
What renter's insurance covers varies. Your insurance will typically cover the following:
•Electronics
•Clothes
•Furniture
•Sports Equipment
•Appliances
•Jewelry
•Collectibles
Keep in mind that actual value coverage is vastly different than replacement value coverage. If you have an old sound system that you bought for a pretty penny back in 2000, it may not be worth much in actual value. If you have to replace that sound system, it will probably cost more. Make sure you know if you are covered for actual value versus replacement cost.
The one nice perk about renter's insurance is that it covers your possessions even if the damage occurs outside of home. Let's say you are outside and someone steals your wedding band. You are typically covered by renter's insurance.
It Protects You From Liability
Renter's insurance also often covers you from many types of liability -- such as someone getting injured in your home, damage you cause to another person't property (you mess up the neighbor's house), and housing costs if your own home becomes uninhabitable.
In the end, paying for renter's insurance is worth the hassle because it protects you from a host of bad things that no one can predict. It is one of those things that no one really thinks about, but when you are in a pinch, you are glad it is there.
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