What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
In the event of a disaster that affects your home and property, what are your options?
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
these are the worst people to rent from they are slumlords and always take the cheap way out of fixing their homes when they need repair i rented from them for almost 6 years and it was nothing but a lot of lies lies lies they are only there for a paycheck and not to serve the people Paris Woods sucks as a leasing manager as well as rajeeve khalil the so called owner. they left me and my kids high and dry living in a house full of mold and jacked up plumbing with a broken pipe they never fixed until the home went into abatement and me and my kids were forced to move due to unlivable conditions.
The Shucheng Xu agency is providing the excellent insurance services to the customers. All insurance needs from customers are cared. Please call us at 404-736-1255 for free auto/home/business/life insurance quotes.
DO NOT BECOME A RESIDENT. frequent management changes, lease items vague- open to management how to enforce if at all. an example is some residents being asked/told to put mats under cars due to oil leaks but not others. they are renovating apartments and doing their best to get out ALL INCOME BASED RESIDENTS in the end increasing the rent by over 300+ dollars for new residents. have been a resident with since 2012 most definitely DO NOT BECOME A RESIDENT.
L. Dion McClure Agent never in office. Continuous premium increases with poor customer service from him and staff. I call for assistance with my auto policy but I bombarded with pressure to get a life insurance policy with them. Take your business to a real insurance agent. No thanks!
I'm a policy holder and have been for almost 19 years, and I'm also totally blind. For whatever reason, it appears that this business is no longer in service, even though your records indicate that they're open. I've made multiple attempts to telephone you, and your number is no longer in service. When I attempt to visit your website, I get an LLC in Pensylvania. When I called their toll-free number, the recording indicated you serve the Connelsville, Pa area. I attempted to send them a message, all to no avail. All I want to do is renew my policy, but I'm beginning to wonder if I need to look elsewhere for insurance. I just wanted to make an E-payment.
I was given excellent customer service as I was learning the different policies and services that All State offers. I will be referring friends and family to you all. Thank you!
Dustin Tibbitts is the man to see at this office. Always helpful and a joy to work with. This young man seeks all the options to minimize the amount you will pay. Thanks Dustin
Looks like we dodged a bullet with this company. I found a house I liked that was for rent with them. I decided to apply after readiing the rental criteria. It never said anything about poor credit being an issue. The only factor that causes an immediate denial was evictions or poor rental history. So I pay $70 to submit an application thinking we were good. Nope, denied due to credit score being 6 points below their non-stated credit minimum. Perfect background check, perfect criminal check, more than enough income to cover rent, no other issues what so ever. They didn't even check our previous rental history! Wouldn't you think that matters in a decision like this? We have perfect rental history! They didn't even attempt or ask to call our current landlord. Dealing with them was a disaster from the first contact. Hard to get returned calls and emails. They said it would take 1 day and it took almost 4. One lady called me 3 times to ask me the same information, write it down!! This place is a joke.
I will not use this company when I need to have my house rented. This is what happen to my daughter's house under their management.The tenant left the house unclean, carpet stains,kitchen filty dirty, all appliances dirty, bi-fold door broken and pests in the kitchen.The property manger told me that the carpet has been steamed clean, which was not.The owner saw the house with carpet stains, bi-fold door broken,damaged wood floor in the kitchen, all kitchen appliances dirty esp the dishwasher with black stains and food stains and visible pests in the main floor esp in the kitchen.The property manager gave the tenant their security deposit without cleaning the house even the owner told her to hold on the security deposit until he inspect the house.The owner called the property manager and did not answer. I called her and told her that the house was filty dirty. It took us 3-4 days and nights to clean and spray the whole house.The pest exterminator told the owner it will take 6 months to get rid of the pests, all she can say was sorry. I told her that they were going to put the house in the market in mid-January and now they are losing money because of the pests. And told me the Ga Law you have to give back tenant's security deposit in 3 days, I told her if and only the house is clean the way it was when they rented the house and no damages. And they sent the owner's last month rental after two weeks. When my husband showed them the house, they said the house is very clean and beautiful.They did not care all they want is the commission money. They sided on the dirty tenant who cannot follow rules of the Homeowners Association. They don't know how to take care of the landlord, in this case.
They do not manage the property at all, did not have our best interest in mind and take the tenant's side. We had issues with the tenant violating the association rules and their response was that it the home owners association is difficult and we need to give the renter a chance since he is a single dad working hard with several children. The tenant would not keep up the yard and decided to make changes to the landscaping without asking for our approval. When we asked the property management company how many times they check on the house they evaded the question by answering that they live really close and we had to ask the question again. We finally had end the tenants lease because he could not adhere to home owners association and we were getting violations at least once a month. Upon move out, the property manager emailed that the renter steam cleaned the carpet and the house was left in good condition. No move out checklist and the only pictures emailed to us were of 3 rooms. We physically walked through the house and it was obvious the carpets had visible stains, the hardwood floors in the kitchen damaged that we had to get it refinished and re-stained. The refrigerator, dishwasher and oven was visibly disgusting and there were pests everywhere. There was also a damaged bi-fold door and dirty bathrooms. We still have not received the last month's rent, BUT the tenant received the remaining security deposit -Nelson Rives only took out $150 for pest control(which will not cover all the treatments needed) and last month's rent. They did not take any money out for the hardwood floors, the bi-fold door, the stains in the carpet and dirty appliances. This property management company did not have our best interest in mind much less our house. We did another physical check for $64 because the property manager "felt bad" and decided to refund their management fee for the last month. If you value your rental property at all DO NOT USE THIS COMPANY!!!
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.