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Safe Gift-Giving Guide
December is National Safe Toys and Gifts Month, a campaign aimed at raising awareness about choosing safe and age-appropriate toys to prevent accidents and injuries. Safe Gift-Giving Guidelines Follow these tips to prioritize safety when selecting toys: Check Age Recommendations: Always adhere to the manufacturer’s recommended age range on toy packaging. Toys intended for … Continue reading “Safe Gift-Giving Guide”
Are You Protected Against Common Thanksgiving Accidents?
Thanksgiving brings people together, but it can also bring some unexpected mishaps! Fortunately, many insurance policies cover common Thanksgiving accidents. Here’s a rundown of what types of incidents might be covered: Kitchen Fires and Cooking Accidents Homeowners Insurance: If a kitchen fire or cooking accident damages your home, your homeowner’s policy typically covers fire damage, … Continue reading “Are You Protected Against Common Thanksgiving Accidents?”
Homeowners Insurance and Halloween Mishaps
Halloween is one of the most exciting times of the year, especially for children. With more people walking around your property, the chances of accidents—like someone tripping on a decoration or falling on your porch—can increase. Does your homeowners insurance cover a Halloween mishap? Fortunately, if you’re a homeowner, your insurance policy may provide important … Continue reading “Homeowners Insurance and Halloween Mishaps”
How Often Should You Review Your Insurance?
A good rule of thumb is to review your insurance at least once a year. Now is a great time to review insurance before the hustle and bustle of the holiday season. Benefits of Regularly Reviewing Your Insurance: Avoid Gaps in Coverage: Life is unpredictable, and failing to review your insurance regularly could leave you … Continue reading “How Often Should You Review Your Insurance?”
Insurance Coverage for College-Bound Children
Does my child need insurance in college? Here are some tips for ensuring your college-bound children have the right insurance coverage: Health Insurance Stay on Parent’s Plan: Under the Affordable Care Act, children can stay on their parent’s health insurance plan until they turn 26. Student Health Plans: Many colleges offer student health insurance plans … Continue reading “Insurance Coverage for College-Bound Children”
How Does Having a Pool Affect Your Homeowner’s Insurance?
A pool can add value to your home, but it can also add some insurance complications. Here are several ways that can significantly affect your homeowner’s insurance. Increased Liability Coverage Higher Risk: Pools are considered an attractive nuisance, meaning they can attract children and increase the risk of accidents. Higher Liability Limits: Insurers may require … Continue reading “How Does Having a Pool Affect Your Homeowner’s Insurance?”
The History of Our Agency
Do you know how Raymond Nelson Insurance Agency first got our start? Read about the history of our agency in our latest blog. 1971 – Door-to-Door Insurance In 1971, Mr. Raymond Nelson was living in Hopkinsville, KY, selling life insurance door-to-door. His dedication and commitment to helping people protect their futures saw him build strong … Continue reading “The History of Our Agency”
Does My Homeowners Insurance Cover My Yard?
Homeowners insurance typically covers the structure of your home, personal belongings, and liability, but is there insurance for your yard? Your policy may have limited coverage for landscaping. Basic policies usually cover landscaping only to a certain extent and it may be conditional to covered perils. What does homeowners insurance cover? Yard Your yard may … Continue reading “Does My Homeowners Insurance Cover My Yard?”
Does My Insurance Cover Home Renovations?
Your homeowner’s insurance may provide coverage for minor renovations you made to your home before a covered loss. However, if your renovations include things like adding a room or installing a pool, your policy may need to be updated to provide additional coverage. What does homeowners insurance cover? Typical homeowners insurance policies protect your home … Continue reading “Does My Insurance Cover Home Renovations?”
Why & When You Should Review Your Coverage
It is critical to review your insurance coverage regularly to help ensure that your property, your possessions, and your loved ones are well protected. Here are a few reasons why and how often you should review your insurance coverage: Life Changes: Significant life events such as marriage, divorce, the birth or adoption of a child, … Continue reading “Why & When You Should Review Your Coverage”
Protect Your Property From Frozen Pipes
During these winter months, we want to bring to your attention the increased risk of frozen pipes in residential properties. Frozen pipes can lead to significant damage and result in costly repairs, which may only be covered if preventive measures are taken. To ensure the safety of your property and the preservation of your coverage, … Continue reading “Protect Your Property From Frozen Pipes”
Are You Winter Weather Prepared?
This time of year, it’s crucial to ensure that you and your loved ones are prepared for the challenges that winter weather can bring. Here are some essential tips to help you stay safe and comfortable during the winter months: Bundle Up: Dress in layers to trap body heat and protect yourself from the cold. … Continue reading “Are You Winter Weather Prepared?”