Personal Insurance Archives - Page 3 of 4

26 Jan 2017

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Ask These Questions Before Your Buy Auto Insurance Coverage

Find out what to ask when buying auto insurance so you get the best coverage.

Every driver needs auto insurance. Not only is it an important facet to responsible care ownership, but it’s also required by law. However, with so many coverage options, choosing a policy can be difficult. Before you choose an auto insurance policy, check out these questions to help you choose the best coverage for your needs.

What type of car do you drive?

Not all cars are created equally. Some cars pose a greater risk than others. When it comes to your insurance, consider these sorts of factors into determining the right degree of coverage. For example, if you have a type of car that’s more likely to get stolen, it’s to your benefit to purchase a little extra insurance. That way you can rest easy knowing that you’re protected.

How often do you drive?

The more time you spend on the road, the greater your risk for an accident. Therefore it’s important to pay attention to your driving habits. If you drive often, you likely need a policy with more coverage. However, if you drive seldom, then a policy with mileage-based coverage is often a wise option.

Where do you park your car?

When it comes to real estate, location is important. The same is true when it comes to parking your vehicle. If you park your car outside or in a rough neighborhood, you may need more coverage than if you were to park your car in a locked garage. Choose your insurance accordingly, so that you have enough coverage for your needs.

When buying auto insurance, choose the right coverage for your needs. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

19 Jan 2017

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Be Smart About Your Coverage and Check Out How to Get the Right Life Insurance Coverage

Learn how to get the right life insurance coverage for your needs.

Life insurance is an important safeguard when it comes to your family’s financial planning. You need life insurance so that your loved ones have access to the resources that they need even after you’re gone. However, buying life insurance isn’t an easy process. With so many coverage options and different types of policies, it can be dizzying to try and choose a policy. Check out what you need to know about how to be smart about choosing your life insurance policy.

Determine Your Coverage Needs.

Purchasing life insurance is a great way to help give your family the money that they need to get back on their feet or to pay off your estate taxes. However, it’s important to choose a policy that gives you just enough coverage. Too little coverage and your family may struggle. Too much coverage and you waste funds that you could be using for other fiscal endeavors. Think about your financial situation and how your loved ones would fair without you. Then make your coverage needs accordingly.

Do the Math.

While determining how much coverage you need for your family, use math. Look at your income, savings, and investments along with your debts, mortgage, and expenditures. Compare the two so that you know how much your family needs to help settle any debts and take care of themselves until they can get back on their feet.

Pick a Policy Type.

There are multiple types of policies to choose from. When deciding on a life insurance policy, ensure that you choose the right policy type for your needs. A term policy gives you more flexibility and tends to be more affordable. However, they’re only valid for a set term. A whole policy gives you lifelong coverage. However, they tend to be more expensive. Weigh your needs so that you can choose the best policy.

Once you determine your needs, proceed to invest in the right life insurance for you loved ones. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

05 Jan 2017

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Use This Checklist to Get the Right Home Insurance for Your New Home

Find the right home insurance for new homeowners.

As a new homeowner, there’s lots to get excited about. From decorating your new home to making memories and establishing roots in a community, owning a home comes with its fair share of wonderful things. However, when it comes to homeownership, it’s important that you have the tools that you need to choose the right insurance policy. Use this new homeowners checklist to help you find the right coverage for your home.

Survey the Area.

Natural disasters are unpredictable. However, you can pay attention to the geography near your home. For instance, if your home is located near a body of water, you may be at risk for floods. Take stock of the potential risks that could harm your home so that you can ensure that you have the necessary insurance protection.

Inspect Your Home.

When it comes to managing your home insurance, it’s important that you keep your home in great condition. Inspect your home for any issues so that you know what to keep an eye on. That way you know what areas of your home need a little extra attention so that you can make your home updates accordingly.

Consult with Your Agent.

When it comes to choosing the right policy, your insurance agent is a big help. They can provide you the information that you need so you can make an informed decision about your coverage. Review which areas of coverage that you need so that they can find the perfect policy. Plus, your agent can help you find plenty of discounts.

Choose the right home insurance policy for your new home. That way you can rest easy knowing that you’re well protected. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

29 Dec 2016

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Get Your Insurance Ready for the New Year with These Insurance Resolutions!

Improve your coverage with these insurance resolutions for the New Year!

It’s time to celebrate and ring in the New Year! However, along with all the fireworks and champagne, it’s a good time to get your insurance in order for the New Year. Ensure that you have the right coverage all year long. Check out these insurance resolutions to help you get what you need from your coverage.

Update Your Home Inventory.

In the event of a disaster, homeowners insurance is a necessary safeguard to protect the structure of your home and its contents. However, it’s important to regularly update your coverage. Not only must you update your limits when you remodel your home, but if you’ve purchased any new items this past year, it’s a good idea to update your home inventory. That way you’ll have an accurate account of what you own so that it can be replaced after a disaster.

Look at Your Policy’s Covered Perils.

When it comes to your home insurance policy, it’s important to look at your home’s covered perils. You may think that once you purchase homeowners insurance, you’re protected from any disasters that may affect your home, but that’s not necessarily the case. Often times disasters like flooding aren’t covered by your home insurance policies. Additionally, your coverage usually won’t overlap with other forms of coverage. For example, if you operate a home business, your homeowners insurance won’t give you the coverage that you need to cover any professional liabilities. Look at how your policy gives you coverage so that you can add on the right policy endorsements.

Ask About Discounts.

When it comes to saving, it never hurts to ask. Talk to your insurance agent about whether or not you qualify for any additional discounts. That way you can make the necessary adjustments to help you save on your coverage.

Get the right insurance coverage in the New Year. That way you can rest easy knowing that you’re protected. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

15 Dec 2016

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Check Out These Winterization Tips to Get Your Car Ready for Winter

Find out how to get your car ready for winter.

Winter is almost here, which means it’s time to get ready for winter weather. With freezing temperatures and snowy weather, it’s important that you’re prepared for the season ahead. When it comes to your safety on the road, ensure that you’re best prepared for winter. Check out these tips to help you get what you need.

Schedule Regular Maintenance.

When it comes to keeping your car in good condition, it’s important that you schedule regular maintenance. That way you can fix any issues before they get out of hand. Additionally, have your windshield wipers and headlights checked so that your vehicle can handle stormy weather.

Check Your Tires.

In wet, icy weather, it’s important that your tires have enough tread. Before you get settled into the winter months, have your tires checked. Ensure that they have the right air pressure and that there’s plenty of traction to grip the road all season long.

Keep the Gas Tank Half Full.

When it comes to driving in winter weather, it’s important that you always have enough gas to get from point A to point B. Additionally, if you get stranded, you’ll be able to run the engine to stay warm. Plus, a full tank of gas helps to keep your engine running well.

Be Prepared for Emergencies.

You never know what could happen on the road. Keep an emergency kit in your car so that you have access to the tools that you need. From flares, reflective triangles, and jumper cables to blankets, flashlights, and extra water, keep a kit full of the supplies that you need when stranded on the roadside.

Get your vehicle ready for winter so that you can stay safe on the roads. Check out these vehicle winterization tips and invest in the right auto insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

22 Nov 2016

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Be Ready for Your Thanksgiving Road Trip with These Tips

Road trip tips for your Thanksgiving holiday!

Thanksgiving is a time to spend with your loved ones. However, sometimes visiting your loved ones requires a bit of travel. When it comes to your Thanksgiving road trip, ensure that you’re prepared. Check out these road trip tips to help you get to your Thanksgiving destination.

Leave Early.

When traveling during the holidays, it’s important to leave plenty of time in your schedule. With unpredictable weather and lots of traffic, delays are inevitable. When you leave early, you have plenty of time to get to your destination. That way you have less reason to stress, making your journey more enjoyable.

Pack a Day Bag.

When you have a long drive ahead, it’s important that you pack the right resources. Whether you get hungry for a snack or you’re bored and need entertainment, ensure that you’re prepared. Pack plenty of healthy snacks as well as water for your journey. Additionally, bring plenty of ways to entertain yourself and your passengers. Make a playlist in advance and enjoy the ride.

Keep Emergency Supplies on Hand.

While you hope to never need roadside assistance, sometimes it can’t be helped. Keep a few supplies such as a headlamp, tools, jumper cables, and tire jack in your trunk so that you can easily access your supplies if needed. Additionally, keep supplies such as a first aid kit, flashlights, and extra blankets handy in case you’re stuck on the road for a while.

Enjoy your Thanksgiving holiday with your loved ones. Get to your destination safely and protect your vehicle with the right auto insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

15 Nov 2016

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Take Good Care of Your Home to Avoid Major Issues with These Maintenance Tips

Avoid major home issues by using these home maintenance tips.

When it comes to your home, it’s important to stay up on your home maintenance. Without the proper care, your home is vulnerable to disaster. From plumbing leaks to house fires, avoid costly disasters with the right home upkeep. Check out what you need to know about how to keep these common home issues in check so that you can keep your home well protected.

Plumbing.

We often don’t think much about our home’s plumbing, until something goes wrong. However, routine maintenance can help you to prevent any serious issues. Every so often, conduct an inspection of your home’s plumbing. Check for any leaks, keep an eye out for any rusty water, and listen for any loud noises coming from the pipes. These may be signs of serious plumbing issues. If you catch it early, a professional can come and fix it before it becomes disastrous.

Electrical Wiring.

In older homes, it’s especially important to wary of your home’s wiring. Older wiring without the necessary ground-fault circuit interrupters (GFCU), can pose a serious fire hazard. Update any old wiring and remember to be kind to your outlets. Never overload any outlet and be mindful of your circuit breaker.

Drainage.

As winter approaches, so does wet weather. It’s important that you keep your home’s gutters and drains clear so that water flows away from your home. Otherwise, you could be left with serious water damage. Clean out your home’s gutters and remove any debris from around your home’s storm drains.

Keep up on your home maintenance so that you can prevent disaster. Invest in the right homeowners insurance so that you can protect your home. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

27 Oct 2016

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Halloween Safety Tips for Your Kids and Your Home So That Your Night of Trick-Or-Treating Runs Smoothly

When it comes to your Halloween safety, don’t forget to check out these tips.

Halloween is almost here! It’s time to put the finishing touches on your decorations, get your kids dressed in their costumes, and buy any last minute candy as you anticipate trick-or-treaters. However, as you get caught up in all the excitement, don’t forget to think about safety. From ensuring that your kids are safe to protecting your home, there are lots of safety concerns around Halloween. Take precautions so that your Halloween runs smoothly. Check out these Halloween safety tips.

Trick-or-Treating Safety:

Keep your child’s safety in mind when looking for a Halloween costume. Choose a costume that can be hemmed above the ankle to avoid any tripping. Additionally, choose a costume that can easily be seen in the dark. That way you’re better able to keep any eye on your children and their risk of getting hit lowers.
Remind your children of stranger danger. Ensure that they know never to enter the home of a stranger while trick or treating for any reason.
Check your child’s candy. Toss out any open wrapper homemade pieces so that you can ensure the safety of your kids.

Home Safety:

Ensure your home is well lit. Keeping your home well-lit isn’t just a sign that someone is home, but it helps to keep all your guests and trick-or-treaters safe from tripping hazards as they make their way to your front door.
Be wary of fire danger. While candles can add to your Halloween décor, it’s important that you’re wary of fire danger. Get rid of any candles and replace them with LED candles. Additionally, keep a fire extinguisher on hand, and don’t overload any outlets. They increase your risk for a fire.

Have a Happy Halloween! Protect your home from any Halloween dangers or any other threats year round with the right homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

20 Oct 2016

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Drive Safely This Season and Avoid These Fall Driving Hazards

Look out for these fall driving dangers!

Driving is a dangerous business. However, each season brings different dangers. When it comes to your safety on the road this fall, use extra caution. From more traffic to wet weather, fall driving hazards expose you to extra danger. Check out these driving safety tips to be wary of so that you can be prepared and stay safe on the road.

Wet Weather.

As the temperatures cool and winter approaches, be prepared for more wet weather. Roads get slippery when wet, especially when it first starts raining since the water mixes with motor oil. Be careful when driving in the rain. Remember that it takes longer to stop so drive slowly and leave plenty of room to stop in between your car and the car in front of you. That way you can reduce your risk for an accident.

Leaf Litter.

Along with the cooler temperatures that fall brings come the changing of the leaves. As the trees in your neighborhood prepare for winter, remember to be wary of leaf litter. Too much leaf debris in the street can obstruct traffic lines, and they can make the roads slippery. Use caution when driving near leaves.

Wildlife.

Even in more urban areas, you may notice a few woodland creatures out and about this time of year. Fall is deer mating season. When it comes to your vehicle, even a small run-in with wildlife can be detrimental to your car as well as your psyche. Use caution when driving on the road, especially in wooded areas. Be aware of your surroundings so that you’re able to avoid an accident.

When it comes to your safety on the road this fall, invest in the right auto insurance. That way you’re protected for whatever comes your way all season long. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

29 Sep 2016

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Fall is Here! Check Out These Home Maintenance Tips so That You’re Ready for the Weather to Come

Keep your home secure for the weather to come with these fall home maintenance tips.

As the leaves begin to change, and the temperatures start to drop, you get ready for the start of a new season. Fall is here, and it’s time to prepare your home so that you’re ready for the cooler weather. Check out these fall home maintenance tips to help you get ready.

Roof Inspection.

It’s important that your roof is in great shape for the winter weather to come. Start your inspection process early so that you can make any necessary repairs in time for winter. Have any loose, broken, or damaged shingles repaired so that you can prevent nasty water damage in your home.

Tend to your Gutters.

When it comes to winter storms, it’s imperative that your drainage systems are working properly. Clean out your gutters and ensure that they’re securely fastened to your home. That way you can reduce your risk for water damage or ice dams come winter.

Trim your Trees.

All it takes is one storm to knock over your home’s trees to cause a significant amount of damage. Take action to prevent any tree related damages and have your trees trimmed this fall. Look out for any signs of rot and have any low hanging branches removed from around your home. That way you can prevent any disasters.

Seal Gaps.

With age, your windows and doors start to develop small gaps around them. While they may not seem like a big deal, they can affect the temperature of your home, costing you big time when it comes to your heating and energy bill. Before the temperatures get too low this season. Take stock of your home’s gaps and seal them if necessary.

Get your home ready for fall. Keep up on your home maintenance and protect your home with the right homeowner’s insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.

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