Archive for March, 2015

Home Insurance Tips: How to Househunt Smart

Friday, March 20th, 2015

One foolproof method of maintaining a reasonable home insurance rate is by investing in a good home from the start! Make a “bad buy” and you could be living with the consequences, and high home insurance costs, for the rest of your life. To ensure that you end up with the home and the insurance rate of your dreams, read on for some tips on how to househunt the smart way.

home-insuranceHousehunting 101: What to Look For On Your Search

When shopping for a home, you will need to keep certain big-ticket issues in mind, such as location and price. But there are plenty of smaller-scale factors that come into play when deciding on a home, and many of them will play into how much your home insurance payments will eventually be. Keep the following questions in mind throughout your househunting process…

1.)    Are there going to be many necessary repairs? A fixer-upper can be a great value upfront, but repairs can take a toll on your budget. Certain repairs, too, can indicate a potential future threat to your home. Water damage in the basement? Flooding could be likely, and so your home insurance policy should reflect that if you decide to buy.

2.)    Are there features you would want to replace? Whether the windows are not up to your standards or the flooring doesn’t look quite right, big remodeling and replacement projects can get pricey fast. These new investments could affect the total of your home insurance payments, so take that into consideration before planning an entire home makeover.

3.)    Will you be the only one living in the house? While househunting, look for signs of animal and insect infestation, such as mouse holes or termite damage. If you buy a house that turns out to be overrun by pests and you are not prepared for it, you could end up paying a hefty price.

Wachter Insurance- Personal, Home, and Auto Insurance

Looking for someone to discuss your home insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your home insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.

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Avoid a Car Accident with Driving Etiquette Basics

Thursday, March 12th, 2015

Not only do car accidents put you at risk for physical injury, but they also can take a major toll on your car insurance premium. Avoiding a car accident altogether is your best bet when it comes to staying safe on the roads and keeping your car insurance payments affordable. Follow these rules for basic driving etiquette and have a positive driving experience every time.

car-accident-car-insurance Driving Etiquette 101: To Honk or Not to Honk?

 Many people find themselves defaulting to their horn when they are in an unsafe driving situation. But are there better alternatives to this method? It depends entirely on the situation. For instance…

if a car is about to run into you, honk away! There is a chance that the other driver does not see you, and honking your horn will alert them to your presence. It is never considered bad driving etiquette to honk when you feel you are in danger of a car accident.

if the driver next to you is using their cell phone or texting, you do not really have a reason to honk. If you do, you may only end up adding to the distractions of an already-distracted driver. Try to maneuver away from this driver and remind yourself that it is the job of the police to stop this kind of driving behavior.

if the driver in front of you is not moving forward at a green light, you may honk, but don’t lay on the horn. A brief beep will catch the driver’s attention and encourage them to move- they may have simply missed the light turning green!

if the driver in front of you doesn’t use their turn signal, then you can beep if their lack of care has caused you to slam on your breaks. This kind of reckless driving can lead to a car accident; hopefully by beeping at them now, you will prevent the other driver from repeating this behavior later.

Car accidents can be avoided when you drive responsibly. Stay safe on the roads and your car insurance will not suffer the consequences!

Looking for someone to discuss your insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your home insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.

What is Personal Catastrophe and Liability Insurance?

Thursday, March 5th, 2015

When it comes to finding the right insurance policy, you have to take into consideration every eventuality. Accidents happen each and every day, resulting in property damage, personal injuries, and serious expenses. In the aftermath of an accident, with all of these things to worry about, the last thing that you want to consider is whether or not you or a family will be sued for their involvement. To protect yourselves, personal catastrophe and liability insurance is one of your best options. Read on to find out more!

personal-catastrophe-liability-insuranceWhy Do I Need Personal Catastrophe and Liability Insurance?

There are many advantages to be had by purchasing personal catastrophe and liability insurance. Rather than leaving you at risk for financial ruin, personal catastrophe and liability insurance gives you the support and “cushion” you need to protect you from a wide variety of accidents, from car crashes to home incidents.

More Benefits of Personal Catastrophe and Liability Insurance

-Personal catastrophe and liability insurance can give you extra coverage that can be used if a lawsuit is filed against you for an accident you’ve been involved in. Personal injury claims from another party, for instance, could be covered by this type of insurance.

-This liability policy can also be used to pay for damages incurred during a car accident in which you are the at-fault driver.

-If someone visiting or simply crossing your property is injured, you could be liable. Personal catastrophe insurance will cover the damages and protect you from further liability.

Protect Your Financial Future with the Right Insurance Policy

By investing in personal catastrophe and liability insurance, you can greatly increase your chances of surviving the financial toll an accident can take on your family. If you are judged to be at fault for an accident, the consequences could be severe. Don’t leave yourself vulnerable- get in touch with your insurance provider today to talk about your liability coverage options.

Wachter Insurance- Personal, Home, and Auto Insurance

Looking for someone to discuss your insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your home insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.

Source:

https://www.erieinsurance.com/property-and-liability/personal