Auto-Owners Insurance
Safe. Sound. Secure. Since 1916
Tuesday, April 2, 2013
Thursday, January 10, 2013
PERSONAL INSURANCE
Learn The Facts, Then
Consider Flood Insurance
Have you considered buying flood insurance?
Before you answer “no” and add, “Why would I need that?” or “I don’t live anywhere near a river!” you
should know that many home and business owners have offered similar responses
and then gone on to suffer uninsured flood damage.
Before you decide not to purchase flood insurance, you owe it to
yourself to learn some facts:
·
A little water can cause a lot of
damage. According to the
FEMA-sponsored website FloodSmart.gov, only 3 inches of water in a
1,000-square-foot, slab construction home can result in damages of over
$11,000! Put that 3 inches in a finished basement and the cleanup costs alone
can run you more than $5,000.
·
You don’t need to live on a
riverbank to get flooded.
Many floods occur far away from a body of water. Water flowing down an incline, pooling in a
low-lying area or unable to enter a blocked storm drain can find its way into
your home or building.
·
Flood insurance can be inexpensive. If your home lies outside the floodplain and
has a slab foundation, you can purchase enough coverage to pay for your cleanup
costs and minor repairs for as little as $129 a year. Homes with crawlspaces or
basements will pay only slightly more.
Please don’t go unprotected against
flood damage without learning the facts about your risks and coverage
options. Be informed. Be protected. Contact our office to talk
about flood insurance. Carlisle Insurance Agency in Jackson, Oh 740-286-5031 www.carlisleinsagency.com carlisleagency@hotmail.com
Tuesday, January 8, 2013
Monday, November 5, 2012
Customer Satisfaction Reviews of Auto-Owners Insurance Auto Insurance | Insure.com
Customer Satisfaction Reviews of Auto-Owners Insurance Auto Insurance | Insure.com
It is my privilege to once again inform you we received confirmation from J. D. Power and Associates we have been recognized “Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Five Years in a Row.”
It is my privilege to once again inform you we received confirmation from J. D. Power and Associates we have been recognized “Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Five Years in a Row.”
Wednesday, June 13, 2012
All Term Insurance Policies are NOT the Same!
All Term
Insurance Policies are NOT the Same!
Why should
you consider Auto-Owners Term Life insurance over other companies’ products,
even if the price is a little higher?
You are ensuring your future. Most term insurance products
sold by other companies leave a big exposure gap! Let me illustrate:
Typical competitor’s 10-year term policy Premiums
·
A 41-year-old preferred non-smoking male:
$500,000 term life policy
·
Year 1 through 10 premium: $415 per year
·
Year 11: $5,730
annual premium (Huge Rate Increase by our Competitors)
·
Year 12: $6,315
·
Year 15: $8,805
·
Year 20: $14,205
At age 51 for this individual
there is a strong chance he will still need life insurance and may even have a
greater need for it then. If he were to become uninsurable during the 10-year
period of this policy and still needed the life insurance, he would not be
too happy knowing he can’t afford the higher premiums after his 10 year term
policy expires. By the 20th year he would have paid
over $100,000 to keep his coverage in force.
Most life insurance is intended and designed
to never pay a death benefit. In fact, only 2 percent of all term policies sold ever pay a death
benefit. Most term policies are designed to force
policyholders to go away before they die. At Auto-Owners we think differently
about our policyholders. We are interested in insuring our policyholder’s future.
Auto-Owners Insurance Company offers a unique optional feature on our 10- and
20- year term policies called Guaranteed
Renewability Benefit (GRB).
At the end of a 10-year term of
low premiums, the policyholder has the option of continuing coverage by locking
in a level rate for another 10-year period. This rate is for the attained age,
using the same underwriting class the policyholder had originally, regardless of
his current health.
So if our customer qualified for preferred rates at age 41 as in the
example above, he would renew at preferred rates at age 51 even if he is
uninsurable due to health reasons. Only Auto-Owners allows you to have
financial peace of mind knowing you can afford to insure the next ten years of
your life with this very unique GRB benefit.
Here is how
Auto-Owners pricing would work for the same client as above:
·
Year 1 through 10: $541 per year
·
Year 11 through 20: $1,112 per year
·
So if our customer qualified for preferred rates
after the 10 year policy expires for this 41-year-old male we are using as an
example. He would need to pay a premium that is only $126 per year higher with
Auto-Owners for the first 10 years in order to get the peace of mind knowing
the future is protected if he becomes uninsurable. After the 11th
year he would already be money ahead with Auto-Owners. I am sure you will agree
that the Guaranteed Renewability Benefit is important for securing your
financial future and it’s only available from Auto-Owners Insurance. The
cheapest price is usually not the best value in anything we buy.
Michael Carlisle
Carlisle Insurance
Agency
740-286-5031
www.carlisleinsagency.com
www.carlisleinsagency.com
Thursday, May 31, 2012
When Should I File An Insurance Claim?
When Should I File An Insurance Claim?
www.carlisleinsagency.com
To pay out of pocket or file an insurance claim; the answer is not always clear.
You purchase insurance for life’s unexpected events and you trust your independent insurance agent to help you find the right coverage for the best price.
By definition an insurance claim is a request to an insurance company to pay for a loss. This claim initiates an evaluation process to determine if the loss is the responsibility of the requested insurance company. However, keep in mind that the purpose of insurance for consumers is to protect them from financial disaster, not small expenses.
There are no set rules on when to file a claim although the guidelines below can help you evaluate your individual situation. It is always a good idea to consult with your agent. Remember – he/she is there to look out for your best interest and may have more information that may affect your decision.
DO file if …
It is a BIG claim. Experts agree it is not wise to make small claims, although they disagree on what small means. To some that is $500. Others say $1,000. It will depend on what you can afford to pay out of pocket.
You have not had recent claims. Filing a single claim might have no effect on your auto or homeowners premiums.
Injuries are involved. If there is a chance someone else in the incident could claim they were injured, file a claim to protect yourself from an injury lawsuit.
You have had the policy a while. Longtime customers who make few or no claims generally get more leniency than new customers who file claims.
DO NOT file if …
Your deductible is higher than the value of your claim. Your deductible is the amount you have to pay before your insurance kicks in.
You have had other recent claims. Filing several claims in the same year might trigger an increase, Hubbard said. So, if you are facing numerous claims, you might want to pay one of the smaller ones out of pocket, she said.
www.carlisleinsagency.com
When Should I File An Insurance Claim?
It is always a good idea to consult with your independent insurance agent.
5/31/2012
Insurance Claims
|
You purchase insurance for life’s unexpected events and you trust your independent insurance agent to help you find the right coverage for the best price.
By definition an insurance claim is a request to an insurance company to pay for a loss. This claim initiates an evaluation process to determine if the loss is the responsibility of the requested insurance company. However, keep in mind that the purpose of insurance for consumers is to protect them from financial disaster, not small expenses.
There are no set rules on when to file a claim although the guidelines below can help you evaluate your individual situation. It is always a good idea to consult with your agent. Remember – he/she is there to look out for your best interest and may have more information that may affect your decision.
DO file if …
It is a BIG claim. Experts agree it is not wise to make small claims, although they disagree on what small means. To some that is $500. Others say $1,000. It will depend on what you can afford to pay out of pocket.
You have not had recent claims. Filing a single claim might have no effect on your auto or homeowners premiums.
Injuries are involved. If there is a chance someone else in the incident could claim they were injured, file a claim to protect yourself from an injury lawsuit.
You have had the policy a while. Longtime customers who make few or no claims generally get more leniency than new customers who file claims.
DO NOT file if …
Your deductible is higher than the value of your claim. Your deductible is the amount you have to pay before your insurance kicks in.
You have had other recent claims. Filing several claims in the same year might trigger an increase, Hubbard said. So, if you are facing numerous claims, you might want to pay one of the smaller ones out of pocket, she said.
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