Covering The Basics: Learn What Your Homeowners Insurance Should Cover

What Your Homeowners Insurance Should Cover

Get the homeowners insurance coverage that you need!

You expect your home insurance to give you the coverage that you need. You expect that it will be there for you in the event of any disaster. But, do you really know what your homeowners insurance covers? Ensure that your home insurance gives you these basic coverages.

Repairs & Replacements.

If your home experiences damages, it can be costly to repair. Fortunately, that’s where your homeowners insurance comes in. Your policy will generally pay for any repairs or replacements as a result of covered perils. However, keep in mind that if damages exceed your coverage limits or if the damage was caused by a reason not covered under your policy, the policy won’t cover it.

Personal Belongings.

When disasters strike, it’s not only your home that suffers the damage, but your personal belongings too. Ensure that your personal possessions are well taken care of under your homeowners policy. However, keep in mind that there are limits to your policy coverage. If you want more coverage, consider adding on to your current policy.

Liability Protection.

Lawsuits are common practice nowadays. All it takes is an accidental dog bite or a sudden slip on your area rug to result in an extended legal battle. Ensure that your home policy gives you at least some form of liability coverage. However, it’s best to take out a separate umbrella insurance policy to make sure that you’re not left vulnerable to negligence lawsuits.

Additional Living Expenses.

Sometimes the damage is so bad that your home needs to be rebuilt. On such an occasion, you need another place to live. Be sure that your policy includes additional living expenses. That way your hotel bills and restaurant tabs are covered until you can move home.

Get a homeowners insurance policy with enough coverage! Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.

Learn How To Protect Your Home From Wildfires!

How To Protect Your Home From Wildfires

Ensure that you’re protected from wildfires!

Dry, drought conditions paired with scorching temperatures are a recipe for disaster. All it takes is one spark to start a wildfire. While you may think you’re covered under your home insurance policy, that may not be the case. Ensure that you have the coverage that you need and check out these wildfire preparedness tips to help protect your home.

Establish A Perimeter.

Shrubbery adds fuel to the fire. Be sure that there aren’t any trees too close to your home. Instead, establish a safety zone. Be sure to maintain your vegetation and promptly remove any dead or damaged plants to reduce your fire risk.

Fire-Proof Your Home.

While there’s no guaranteed way to prevent fires from affecting your home, you can take precautions to reduce your risk of dangers. Be sure to clean the gutters regularly to avoid any debris build up. Additionally, be sure to retrofit your home with flame-resistant materials. Everything from the roof and windows can be modified to help be fire resistant.

Create An Emergency Plan.

It’s important to stay calm in the event of a disaster. Ensure that you’re prepared so that you are better able to react to the situation. Know what to do in the event of an evacuation and how to reconnect with your family in the event that you get separated. Plus, it’s a good idea to keep an emergency kit handy so that you have access to the essentials. Be sure to include non-perishable food, water, flashlights, extra batteries, important documents, a first aid kit, and anything else you might need.

Ensure that your home is well protected with the right wildfire coverage. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.

Learn How To Incorporate More Exercise Into Your Routine For National Physical Fitness Month!

National Physical Fitness Month Exercise Tips

Learn how to exercise more in honor of National Physical Fitness Month!

Getting ample exercise can be a challenge. Balancing your work life and your personal life, barely leaves you time to sleep, let alone hit the gym. However, making time to add a little fitness into your life can significantly improve your health. Not only does it reduce your risk of physical ailments like heart disease, but it also reduces your risk of anxiety and depression. In honor of National Physical Fitness Month, be sure to start exercising more. Check out these ways to help get you more physically active.

Stick To A Schedule.

Set aside time in your day to get some exercise and make it a routine. Make exercise a habit so that you stick with it. Generally, it takes about a month to make something habit, so don’t get discouraged. Be sure to exercise as frequently as possible.

Get Out & Play.

You won’t want to exercise if it feels like a chore. Rather than giving up, start your search for fitness fun. Rather than running on a treadmill, join a recreational soccer league. Rather than lifting weights try your hand at rock climbing. No matter how you choose to exercise, make sure that you’re having fun.

Get Creative.

Sometimes, your schedule is so hectic that it’s impossible to get to the gym. But, don’t let that stop you from getting in a workout. Find ways to incorporate little exercise throughout your day. Stretch on your breaks or take the stairs instead of the elevator. These small changes can make a huge difference.

Put your health first and be sure to invest in health insurance. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.

Business Insurance: Check Out Additional Coverage For Your Business

Business Insurance & Additional Coverage

Put business safety first with these lesser known types of business insurance!

Keeping your business safe is a top priority. You’ve already invested in property and general liability insurance, but they only give you general coverage. Protect your business with these lesser known types of business insurance policies. Check out what you need to know about additional business insurance coverage.

Home Business

Running a business from home has its perks, but it doesn’t mean that you can skip out on business insurance. If you run a home business, your home insurance won’t cover you for anything related to your business. Make sure that you take out a separate home business policy so that you have the protection that you need.

Cyber Liability

Digital technology has become a part of everyday life and a big part of conducting business. When it comes to your digital data ensure that your business is covered. In the event of a cyber attack, you could lose all your company files and information or your client data could be compromised. Be sure to cover your business with cyber liability insurance.

Tax Opinion Liability

Business transactions are common practice, but there are certain large mergers, acquisitions, and reorganizations that are accompanied with hefty taxes. While you can try to calculate how much you’ll owe, sometimes you wind up owing more than you think. Should you need a little assistance shelling out that kind of cash up to Uncle Sam, be sure to look into tax opinion liability insurance. Before you make a major transaction, take out this one-time policy. Should you owe more than you anticipated, your coverage will kick in.

Make sure that your company has the business insurance that it needs. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.

Everything You Need To Know About Rental Car Insurance Coverage

Rental Car Insurance Coverage

What you need to know about coverage for your rental car!

When on a vacation, you don’t want to worry about a thing. You want to relax and enjoy yourself. However, sometimes accidents happen. When it comes to your rental car, make sure that you have the necessary coverage so that you won’t have to worry. Check out what you need to know about insurance coverage for your rental car.

Auto Insurance.

Despite the fact that the rental company offers you insurance coverage, your personal auto insurance policy usually gives you rental car coverage. As long as you’re renting within the US and notify your insurance agency, you should get similar if not the same coverage as your regular auto policy. In the event that you do get into an accident, keep in mind that in addition to the regular protocol, you’ll have to also have to involve the rental company.

Credit Card Coverage.

If you use a credit card when renting a car, you may qualify for additional liability coverage through your credit card company. If you get into an accident, this additional coverage will kick in if damages exceed the limits of your primary coverage. Be sure to contact your credit card company to see if you qualify for coverage.

Multiple Drivers.

Road trips can be taxing on the driver and sometimes you need someone else to take the wheel. However, think twice about having multiple drivers when renting a car. Unless you specify all drivers in the rental agreement, you may be driving without insurance. Be sure to advise the rental company of additional drivers to ensure that you’re covered.

Ensure that you have the right auto coverage for your rental car. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.

Eco-Friendly Home Tips: Get Your House Ready For Earth Day!

Eco-Friendly Home Tips

Celebrate Earth Day with these eco-friendly home tips!

Earth Day is almost here. Take the time to appreciate all that our planet does for us and celebrate the occasion by adopting environmentally friendly practices. A few small changes can make a big difference. Check out these eco-friendly home tips!

Invest in Energy Efficient Products.

As technology advances, so do methods to make it more efficient. From washing machines to light bulbs, there are many products and appliances that use energy efficiently. Make the investment and reduce the amount of energy that you use in your home. You’ll save both energy and money.

Reusable Items.

Plastic is bad for the environment. It takes thousands of years to degrade, meaning the more you use, the more land you need to dispose of it. From shopping bags to water bottles, plastic is used to make all sorts of disposable goods. Make an effort to use reusable bags, bottles, and mugs. This simple switch helps to reduce plastic production and waste.

Power Down Your Electronics.

Your electronics use lots of energy. Be sure to turn them off when you’re not using them. However, be wary of phantom energy drain. Even after you turn off your appliances, sometimes they still consume electricity. Either unplug your electronics or invest in a power strip. If you choose to use a power strip, be sure to turn off the power strip when you power down.

Use Water Wisely.   

Despite the fact that the Earth’s surface is mostly water, fresh water only accounts for a very small percentage. Because of its scarcity, it’s important to conserve water. Be smart about your water consumption at home. Take shorter showers, turn off the water when brushing your teeth, and limit the frequency that you water your lawn.

Insure your home and your eco-friendly practices with the right homeowners insurance. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.

Seasonal Allergy Prevention Tips To Keep Your Symptoms Away

Seasonal Allergy Prevention Tips

Reduce your seasonal allergy symptoms with these prevention tips!

Allergy season is here! Along with the nicer weather, spring flowers bring a great amount of pollen. Prepare yourself for allergy season. Check out these tips to help reduce your allergy symptoms.

Filter The Air.

Be sure to invest in an air filter that can filter all the pollen, dust, mold, and dander in the air. Look for high-efficiency particulate air (HEPA) filters. They’re best equipped to reduce the number of allergens in your home.

Wash Up.

Pollen is sticky. Throughout the day it sticks to your skin, your hair, and your clothes. Make sure to wash your hand and your face when you come home. Additionally, it may help to shower before bed to rinse away any pollen from the day.

Close Your Windows.

Crank up the A/C. When it comes to cooling down your home in the spring, it’s better to use the air conditioning. Opening up your windows allows pollen into your home which causes flare ups.

Don’t Hang Your Clothes Out to Dry. 

Hanging your clothes outside on the clothesline is a no-no during allergy season. Pollen can stick to your clothes which can then aggravate your symptoms.

Dehumidify.
Make sure to dehumidify your home. Drier air helps reduce your seasonal allergy symptoms. Make sure to keep humidity levels under 60 percent to be effective.

Stay Indoors.

Limit the amount of time you spend outside, especially in the morning when more pollen is present and on days with a high pollen count. If you must go outside, be sure to wear a mask.

Take control of your allergies and be sure to invest in the right insurance. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.