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There are not too many people who can say they aren’t aware of the fact that everyone must have car insurance. Most people are painfully aware that health insurance is also a must, and most homeowners know that having fire insurance and other protections for their home is vital as well. And then there’s life insurance. But did you know your insurance company can offer you some types of insurance coverage that not everyone may know about. We at American Insure-All® would like to tell you a little bit about a few of the less common ones.
Renters often think their landlord is responsible for everything. But did you know that all the personal possessions within your rental home can be damaged or stolen, and this becomes the renter’s problem? Renter’s insurance can give you the peace of mind that your valuable personal items and furniture can be protected against calamity.
Your ATV or snowmobile weren’t exactly free, and when something happens to them, you’ll want to be able to replace them without a great expense. Recreational vehicle insurance can help you enjoy your recreation more just by knowing that no matter how hard you play, you’ll be covered.
Your boat was a large investment, but the hours spent out on the open water, fishing or basking in the sun, make it all worthwhile. But there are a lot of bad things that can happen to your boat. For example, boating accidents, damage sustained from severe storms, and every other type of crazy accident that might befall your beloved watercraft. We can cover you so that all you’ll need to think about is the warm, soothing sun and the peaceful serenity of the water.
When looking for insurance in Arlington, remember that many of your other personal possessions can be covered too. Why worry about something happening to your personal possessions when you should just be enjoying them?
The Worst Advice We’ve Ever Heard about Insurance
When shopping for insurance in Burlington, you might have a hard time knowing which agency to choose. Trusting your assets to a company is a big step that shouldn’t be taken lightly. For that reason, it’s important to make sure you are getting the right information from a reliable source. Over the years, we’ve heard our share of terrible advice about insurance. Don’t jump on the bad advice bandwagon. If you’ve heard a few of these tips, it’s time to set the record straight.
#1 Insurance Is an Unnecessary Expense
While insurance can be expensive, accidents and emergencies can be even more costly. While you might not see the benefit of having insurance on a daily basis, it will definitely come in handy if you find yourself injured or if your personal property incurs damage. Furthermore, in some cases, it is illegal to not have insurance. Auto insurance, for example, is mandated by the state. This not only protects you, but the other drivers on the road as well. If you find yourself at fault in an accident and don’t have insurance coverage, how will you pay for the damage done to your car and the other automobile involved? What about the injuries incurred on both parties? Don’t take that chance. Make sure you are always covered by insurance.
There are plenty of cut-rate insurance plans out there. While some coverage is better than no coverage, make sure your insurance company isn’t skimping on your protection. If your plan seems too good to be true, it just might be. Take the time to look into your policy. It might be beneficial to pay a little bit more in order to get the benefits you need.
#3 All Insurance Companies Are the Same
Like with any type of product, this is not true. Before jumping on board with the first insurance company you come across, do your research. Read reviews from other customers and choose an agency with a good reputation.
If you have questions regarding insurance, call American Insure-All® in Burlington.
10 Quick Tips on Getting Insurance
In addition to providing homeowners insurance for Smokey Point residents, our highly qualified team at American Insure-All® is here to help you better understand this type of insurance. Here are 10 quick tips about homeowners insurance you should know when you are shopping for policies.
Many people look at their insurance policies and misunderstand the difference between replacement value and the building value. The land your house sits on does not need to be replaced, so this is not included in these values.
Buy from the Same Company
The clearest way to save on homeowners insurance is to buy your homeowners, auto, and other insurance from the same company.
Doing a lot of shopping around with both online and in-person insurance companies can help ensure you pay the best premium for what you are getting.
You will likely need to ask about discounts rather than just assuming the insurance agent will quote these to you in the price they offer.
Make Your Home Super Safe
Safety features such as security features and weatherproof improvements you make to the home can significantly affect what you pay for your policy.
Keep Your Insurance Company
Many insurance companies will offer lower premiums or discount rates the longer that you have them. If you shop around and are lucky enough to find that your company provides the best rates, you will want to stick with them.
A good way to save each year on your policy is to analyze it every year and shop around for better rates to make sure that you are getting what you need for the best price.
Make Good Deductible Choices
If you are going to raise your deductible to save on your premiums, then you should plan to keep the amount of your deductible in a savings account to ensure that you have the amount you need in the event you need to file a claim.
Shop Insurance before You Buy
Before you buy your home, you should take into consideration what homeowners insurance is going to cost. For this reason, you should shop for homeowners insurance before you buy your home.
Keep Your Agent Updated
As your life situations change, for example, if you get married, have children, or get divorced, you will want to make sure that you let your insurance agent know in case these changes will affect your premiums.
The Different Types of Commercial Insurance You May Need
As a business owner examining options for commercial insurance in Everett, Washington, you may be wondering exactly what types of coverage you need. Although you may feel daunted by these decisions, we can explain the different kinds of commercial insurance and their purposes. This knowledge will enable you to choose the right policy for your unique company.
Some people have a personal umbrella liability policy, but they may not realize that it likely contains a loophole for business-related liability. With lawsuits commonplace in our modern society, you must have adequate coverage for the wide range of possible incidents that could result in legal action against you. For example, bodily injury can occur due to many circumstances that you cannot completely control, yet may still render you liable. Accidents can happen on the premises of your business, or a product that you manufacture could malfunction and cause harm. Property damage could also result by either mode.
Even if you have considered these relatively common circumstances, you may not have given any thought to several other less-obvious possibilities. For example, most business owners probably do not give much thought to lightning and explosion coverage. These insurance needs may be obscure, but they must be met nevertheless.
You must also remember that you need the same categories of coverage on commercial vehicles as you do on personal automobiles. Even if you use the vehicle for both business and personal use, a business-owned vehicle should have the company listed as the “principal insured.” Become informed about your rights in order to avoid difficulty in claim filing.
Finally, an employer must take care to provide workers’ compensation insurance. Many states mandate that companies provide this coverage, but employers in non-mandatory states should also seriously consider this option. Workplace injuries are common and can be extremely costly, and despite your best efforts to provide a safe environment, accidents may still happen.
5 Quick Tips about Auto Insurance
Almost 30% of drivers in the U.S. are uninsured. Driving uninsured can have serious consequences and can get you in a lot of trouble, especially if you are in an accident. Here are five things you can do to make auto insurance premiums more affordable.
When you are getting a quote for car insurance, you are going to hear a lot of things that sound like good deals that actually aren’t. If your vehicle is paid off and is not valued very high, for example, you might want to reconsider comprehensive/collision coverage. Qualified agencies like ours can help you determine what coverage options you can pass on.
Drive under the Radar
If you have a flashy sports car, you might look awesome driving down the freeway but these vehicles are more expensive to repair after an accident as well as being more popular with thieves.
There are often discounts available for people who keep their annual mileage numbers down. Consider a carpool if possible to drive less and save on gas and insurance premiums.
Ask About Any Other Discounts
When you are looking for car insurance, make sure to ask about all of the possible discounts that you might qualify for.
Be a Good Driver
At American Insure-All®, we reward customers for being good drivers. To save on your auto insurance, steer clear of accidents and obey all traffic laws so that you will not have any dings on your motor vehicle record.
3 Tips for Working with an Auto Insurance Company
Not only is it illegal to drive around without car insurance, but it can also be an expensive decision. You never know when you’ll be caught in an accident and forced to pay for repairs out of pocket. You can protect yourself and your wallet by getting car insurance for yourself. Before you start working with your insurance company, there are certain things that you should know that will facilitate the process of choosing your insurance. Here are 3 tips that you should consider before speaking with an insurance agent:
Your insurance should protect your car, yourself, and anyone who drives with you. Think about your vehicle, your driving habits, the weather and road conditions of your area, and other factors that could affect you and your vehicle. Using this information, consider the type of insurance that you should choose: collision, comprehensive, property damage liability, personal injury protection, etc.
You may be surprised to find out that you can in fact get discounts on your insurance. Depending on the company that you work with, some things that may qualify for a discount includes a clean driving record, low average miles that you drive, certificate of completion for a driving course, a great credit score, or parking in a garage. Be honest about the discounts that you qualify; lying to get discounts could end up being very costly when the truth is discovered.
You can also get discounts for paying less often. Find out if your insurance company will give you discounts for paying once or twice a year rather than every month.
Determine the deductible that you want to pay. You could end up paying a high out-of-pocket deductible, but your insurance policy would be low. On the other hand, low out-of-pocket deductibles could end up costing you more for your policy, but you won’t have to pay much if you file a claim.
When you understand your needs, have taken the time to research discounts, and are determined the deductible that you want to pay, contact American Insure-All®. We can answer any questions that you may have and help you choose the right auto insurance for you and your family.
3925 196th ST SW Ste #102
3211 Broadway Ste. A,
3323 169th PL NE, Ste D
19480 US-2 Ste. F
Please Contact Our Lynnwood Branch
534 South Burlington Blvd
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When our previous insurance provider decided to make a change in our career we were a little anxious. We had become accustomed to being on a first-name basis and getting quick responses to our requests. Little did we know at the time we had nothing to worry about as American Insure-All has more than met our previous expectations. Don and his team have been quick to respond to our needs and provide us with the peace of mind that we were looking for in a provider.
Every time I have talked to a representative, I get the feedback that I need, and they are always friendly. You people are great!
I was impressed with how customizable your car insurance packages were.
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These guys have totally changed my view of the insurance industry. Extremely happy with the service; very professional and courteous. I could go on forever
We switched to American Insure-All many years ago and Don has always taken great care of all our needs. He has always been honest, fair, and very timely with each policy request. American Insure-All is a pleasure to deal with and we highly recommend them.
I highly recommend this agency for any insurance policy you may need. Don was very helpful with my new policies with American Insure-All. He saved me about $200 per month. The insurance company I was previously with was super expensive. The best thing I ever did was switch to American Insure-All.
We've been with American Insure-All for at least 15 years. Don's is really helpful. Great company.
I can't say enough about American Insure-All and the services they have provided both myself and my referred clients over the past decades. As a real estate broker for over 30 years, I utilize many vendors and service companies, but the people at American Insure-All are at the top of our list. The level of trust they have earned from us is second to none. They are incredibly responsive to our client's needs but more importantly, we can trust the council that they offer our clients.
We have been working with Don for about 15 years and won't even consider making any changes. He's been super responsive and it's always a pleasure to work with him whether we have a question or need to update a policy, etc.
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3211 Broadway Ste. A
3323 169th PL NE, Ste D
534 South Burlington Blvd
Please note: Coverage may not be Bound by this submission form, email, voicemail, online, or mail. All Changes and Coverages are subject to Underwriting Approval and pending an Agent's review. Any quotes given are subject to Underwriting Guidelines by their respective insurance carriers. Any references of coverages used are not intended to express any legal opinion as to the nature of coverage, but rather just a brief generalization of coverages. Please read your policy for specific details of coverages.