Archive for April, 2015

Car Insurance Policy Essentials To Look For

Thursday, April 30th, 2015

Car insurance: you know that you need it, but do you really know what your car insurance policy involves? There are several different factors that make up a single great car insurance policy; read on to find out what they are and to ensure that you are getting them!

What Makes for a Good Car Insurance Policy?car-insurance

Good question! Here are a few more…

1.)    Do you have sufficient liability coverage? As stressful as car accidents can be on their own, nothing adds to that stress quite like a lawsuit from the other party involved. Liability coverage will prevent a simple fender bender from draining your bank account.

2.)    Do you have coverage to rent a car? If you are involved in a car accident and find yourself in need of a temporary replacement rental car, it is important that your car insurance policy allows for this.

3.)    Are you insured against uninsured drivers? Getting involved in an accident with a driver who either lacks car insurance or lacks sufficient car insurance can be the start of serious legal problems. A good car insurance policy will include uninsured and underinsured driver coverage. (more…)

Common Homeowner’s Insurance Claims (And How to Prevent Them!)

Thursday, April 23rd, 2015

Your homeowner’s insurance policy can keep you protected in the event of an emergency or accidental damage. But ideally, to keep your expenses at a minimum and your policy in good shape, you would not have to file an insurance claim too often. Unfortunately, many of the common homeowner’s insurance claims that are filed are for damages that could have been prevented with a little caution on the homeowner’s part. Read on to learn more about some of the most preventable home insurance claims and how you can take steps to prevent damages from occurring.

homeowners-insurance

Prevent These Homeowner’s Insurance Damage Claims with Tips from Wachter

1.)    Shower and tub water leak damages. If the grout around your shower and/or tub base is not maintained properly, this can lead to leaking and, subsequently, water damage. Water damage can range from mold development to wood rot, and it is not always covered by your home insurance policy in this capacity. To prevent this kind of damage, be sure to reseal your caulking and grout when necessary.

2.)    Candle/cooking fires. If you do not keep tabs on a burning candle or lit stove top, a small flame could quickly spread and lead to a devastating house fire. No matter what, when you have a flame lit, someone should be monitoring it at all times. (more…)

Can I Get Home Insurance for a Home in Construction?

Thursday, April 16th, 2015

Every homeowner knows the importance of finding the right home insurance policy for their house, but what if that house is not quite in existence yet? A home under construction is as much in need of insurance as a home that has been standing for decades; either one constitutes an investment that needs to be protected. So how exactly do you create an insurance policy for a home that is not yet completed? Read on to find out!

Insuring a Home Under Constructionhouse-under-construction

The kind of insurance policy that you procure for your home under construction will depend on who is actually constructing the home. The policy will differ based on whether a developer, a contractor, or you yourself are working on your home. (more…)

Is Motorcycle Insurance Different Than Car Insurance?

Thursday, April 9th, 2015

No two insurance policies will be completely alike, not even if they are within the same general category. Vehicle insurance, for instance, can encompass policies regarding cars, trucks, and motorcycles. The differences between these “subgenres” of vehicle insurance policies are important to know, particularly those pertaining to motorcycle insurance versus car insurance. Read on to find out more.

Important Facts to Know About Motorcycle Insurancemotorcycle-insurance

When you are establishing the details of a motorcycle insurance policy, you may notice a significant contrast between it and any car insurance policies you may have had in the past. The reason for this is a simple one: riding a motorcycle is an inherently higher-risk behavior than driving a car is, and that will be reflected in the scope and expense of your policy. But just because it is considered more dangerous to drive a motorcycle, this does not mean that you cannot take steps to reduce risks for yourself and, subsequently, reduce your insurance rate.

What Will My Motorcycle Insurance Policy Cover?

Several different factors will be taken into consideration as you and your insurance agent work to craft your motorcycle insurance policy. These factors include:

-The age of your motorcycle

-The make and model of your motorcycle

-Your motorcycle’s accident history

-Your own driving record

-Specialized safety features

Safety and the steps you take to preserve it are key to your motorcycle insurance policy. In this regard, insuring a motorcycle is similar to insuring a car; safer car models often have lower insurance rates. This holds true for motorcycles, as does the basic rule of thumb stating that the more cautious you are as a driver, the better your insurance rate will be.

If you are a motorcycle driver looking to get an insurance policy that will give you the coverage you need, get in touch with Wachter Insurance today!

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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Spring Cleaning For Your Car & Car Insurance!

Friday, April 3rd, 2015

The long months of winter can take a serious toll on your automobile. Even if you kept it in a garage throughout the harshest months, the cold and extreme conditions will still have had their effect. Now that winter is melting away and spring has finally sprung, it is time to do a little “spring cleaning” to ensure that your car is in top condition, and subsequently, your car insurance policy as well. Read on to find out more!

car spring cleaningWhat to Check In Your Car After Winter (more…)