November, 2015

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Stay Afloat With Boat Insurance

Stay Afloat With Boat Insurance

It’s so relaxing to slowly float down a river, sail along at a nice clip, or fish from the bright white deck of a cabin cruiser. When the weather warms and the water starts beckoning, you’ll want to roll out the boat and get her in the water. Whether you have a small fishing boat or a yacht, insurance in Princeton is available and can keep you covered in case of mishaps that could damage your valuable property.

One of the main types of boat insurance is liability coverage. This is important in case you have any type of collision accident on land with the boat or in the water. You might want to look into bodily injury and uninsured boater options, too, just to be safe.

Comprehensive is another type of coverage. It will insure you against losses caused by vandalism, storms, and other non-accident incidents.

Boat insurance in Princeton can be expanded to keep your boat covered during severe weather. Some policies can also cover trailering as well as the costs of fuel spills. Policies don’t stop at fishing boats, either. Wakeboard and ski boats, sailboats and even high-performance boats can be covered. You can even get personal property coverage for equipment or other belongings you have on board. This protects your investment and gives you peace of mind.

Hurricanes and Florida Wind Insurance

Hurricanes and Florida Wind Insurance

Quite a few insurance agencies have written more business each year in the decades that have passed since Hurricane Andrew arrived on South Florida’s shores. Brokers and agents have sold quite a few Florida windstorm insurance policies to concerned homeowners. In fact, awareness has grown dramatically since that traumatic event and residents understand that having this coverage will go a long ways towards taking care of any repairs and damage that they may incur.

Are your clients’ homes covered for windstorm damages?

The threat of hurricanes is very real for Florida during the six-month long Atlantic hurricane season, which runs from June 1 until November 30. The peak of hurricane season occurs between mid-August and late October, when the waters in the equatorial Atlantic and Gulf of Mexico have warmed enough to help support the development of tropical waves.

Hurricanes are an unpredictable act of nature capable of striking at any time. As weather conditions change for your clients’ living in Florida, they know all too well how much damage can be caused by high winds. Every year residents have to prepare for hurricane season, and what better way to prepare them this year than by discussing their need for windstorm insurance. Florida residents can feel confident knowing that their broker is dedicated to providing them with coverage for their property when they may need it most.

Winds are the most well known impact from tropical storms and hurricanes. The highest winds occur just outside of the eye (or center of the storm) in a region known as the eye wall. Hurricane force winds can easily damage or destroy mobile homes and other non-permanent structures, often moving them well away from their foundations.

Most standard property insurance simply does not provide adequate coverage for these kinds of phenomena. That is why Florida windstorm insurance was designed; to provide protection against wind-generated damages, especially those created by hurricanes, cyclones, tempests, and high winds.

Some of your clients may be new residents of the Sunshine State and they should be made aware of the issues surrounding hurricanes and extreme weather conditions. Call your clients and let them know you are available for a consultation whenever they’re ready.

The Top Two Insurance Marketing Strategies

The Top Two Insurance Marketing Strategies

Whether starting up an insurance agency for the first time, or if you’ve owned your company and been around for quite some time, insurance agencies need to invest time in developing Insurance Marketing Strategies geared to both drum up new business while continually taking care of the needs of long standing clients.

It’s not unusual for an agency to look at other websites to try and get some marketing tips and suggestions. After all, insurance agencies are in a fairly specific niche, so while they may require different marketing tactics based on their specific products, they are still all in the business of selling insurance.

Customers only buy insurance when they really need it, like when they buy a car or a home, or they go travelling, or they decide the time has come to buy a life policy. When they make the decision to buy a product or service, they’re either going to ask a friend for a referral, or likely they’ll go online and look at a few insurance websites.

Search Engine Optimization (SEO) and rankings

One sure way to get a high ranking in Internet searches is through the use of keywords. Keywords are what the average person typically types into Google to navigate them to sites related to what their current interest is. In the case of insurance, there are many standard words used for these searches, but by adding multi-word phrases, for example, “life insurance in Rhode Island,” this will generate a list based on those specific keywords.

Having a list of keywords and phrases designed to improve your rankings is a great way to generate more traffic to your site. In addition, if you haven’t already done so, start a social media page (Facebook, Twitter), because by doing so you will build an audience and this will help to enhance your presence and get your message out there.

You’ll also be providing yourself with yet another outlet for people who may have questions to contact you to get the answers they are seeking. It’s no big surprise that the insurance company that answers those questions quickly will tend to nearly always get new customers. SEO and a social media presence should be high on your list of Insurance Marketing Strategies.

Walker Insurance and Coverage for Renters

Walker Insurance and Coverage for Renters

At Walker insurance you can hear story after story of renters who felt there wasn’t a need for coverage until that day that all of their precious stuff was gone, either due to theft or fire, or some other calamity like water damage. But the fact remains that all renters should get renter’s insurance.

Only when you lose all of your possessions can you truly realize just how much those items (electronics, clothes, books, jewelry, etc.) can cost to replace. And when you consider the fact that a renter’s insurance policy is relatively cheap to purchase, you can understand just how important a product it is to buy.

Busting the myth

Unfortunately there are still many uninsured renters that are under the mistaken impression that their landlord’s policy covers their possessions. Nothing could be further from the truth. A landlord does not provide insurance for a tenant’s personal property and is therefore not responsible for those items when they are lost or stolen.

An exception to this can occur if the landlord was aware of a prior hazardous condition, such as faulty wiring in the apartment, and failed to correct it in a reasonable time frame. There would now be liability issues for the landlord if, as a result of their negligence, your property was damaged.

While the building itself is insured, and should something happen to this structure as the result of a fire, water damage, etc, the building owner is entitled to file a claim. However, the landlord’s insurance doesn’t protect you as a renter.

If this same fire or water damage should ruin your sofa, clothes or other personal items, you’re not protected against the loss of these items unless you buy a separate renters insurance policy. Moreover, if someone becomes injured while on the premises you rent, you could potentially be held liable for any medical and hospital expenses. Let a specialist at Walker Insurance provide you with the needed information to make an informed decision about your own coverage needs.