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Protect Your Garden With Deer-Resistant Flowers

Protect Your Garden With Deer-Resistant Flowers

Though deer and other stealthy animals tend to avoid areas of human activity, your fall garden may be too irresistible. Fortunately, autumn is the perfect time to plant a variety of spring-blooming bulbs that are not only beautiful, but also repel unwelcome moochers.

Get to know these double-duty plants that can save your garden from hungry herbivores while increasing its splendor.

  • Daffodils — Beautiful and easy to grow, daffodils come in a variety of types and colors. They contain lycorine, a bitter and poisonous alkaloid that deer and other mammals avoid.

  • Snowdrops — Early bloomers, these white flowers also contain lycorine and grow best in moist, well-drained soil.

  • Alliums — Also called flowering onions, alliums are in the chive and onion family. These round bulbs of light purple flowers bloom in late spring and early summer.

  • Hyacinths — Like daffodils and snowdrops, hyacinths are poisonous. They’re also wonderfully fragrant and keep deer at bay.

  • Snowflakes — Another lycorine-containing flower, snowflakes have bell-shaped bulbs that bloom in mid- to late spring.

These flowers will help discourage deer, but if you need a stronger deterrent, your best bet may be a deer fence. Deer are jumpers, so make sure your barrier is at least 8- to 12-feet tall. Fortunately, there are decorative options and plenty of online inspiration you can use to keep your fence from overpowering your landscape.

You’ve wielded your green thumb all growing season. Don’t let the fruits and flowers of your labor get gobbled up by uninvited animal visitors. With a deer fence or bitter-tasting beauties, you’ll enjoy your garden all season long.

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Insurance Misconceptions

Insurance Misconceptions

Insurance Misconceptions That Plague Policyholders

Insurance policies can be complex, multi-page documents that many policyholders pay for but don’t always read thoroughly. It’s helpful to understand how your coverage works, beginning with these five common misconceptions.

Belief: My home insurance policy covers jewelry.
Truth: Most home insurance policies provide limited coverage for jewelry, but often only in the case of an accident or theft, and for a maximum amount. To protect the full value of the jewelry in your home, consider additional coverage.

Belief: If a friend borrows my car and gets into an accident, it goes on their insurance, not mine.
Truth: When you lend your car to a friend, you lend them your insurance as well. Any accidents that occur are covered based on your policy, so choose wisely when it comes to lending out your vehicle.

Belief: Where you live affects your home insurance rate only, not your auto insurance. 
Truth: Each zip code has a risk profile that includes statistics for theft, accidents, burglary and natural disasters. These numbers, along with other factors, can make home and auto insurance vary from street to street.

Belief: Sports coupes are more expensive to insure than family sedans. 
Truth: A car’s sportiness (or lack thereof) doesn’t determine how expensive a car is to insure. Key factors that do matter include whether it’s a model targeted by car thieves, how much it costs to repair and how well it protects passengers from injury in a collision.

Belief: Insurance covers the current market value of my home should it be damaged.
Truth: Homes are typically insured for the cost to rebuild them, not for their current market value. For this reason, it’s important to adjust your policy if building costs have increased in your area, as it may cost more than your current coverage to rebuild should a disaster occur.

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Credit-Based Insurance Scores

Credit-Based Insurance Scores

Insurance companies can use varying factors to determine what you pay for your insurance. These factors include your driving record, type of car, age, location and in most cases, your credit-based insurance score. In fact, variations in insurance score can cause the cost of insurance to fluctuate upwards of 200-250% the lowest rate. In dollar figures that means a person with a good insurance score may pay $750 for their insurance while someone with a poor score could pay as much as $1800 or more for the same policy.

Credit-Based Insurance Score? What is it and Why Does it Matter?

 

Insurance Score is related to your regular credit score, but is not the same thing. It is not a measure of credit worthiness but rather it measures the likelihood that you will have a claim. It is a number that matters greatly when determining your insurance premium, both Home and Auto. Insurance companies believe that those with a higher score will have fewer claims and that those with lower scores will likely have more claims.

Personal credit history will definitely affect your insurance score. It is important to review your personal credit report and do what you can to get your personal credit score as high as possible to help you keep your insurance premiums low.

Some factors that are used by insurers to determine your insurance score.

 

1  Length of credit history

2  Number of open accounts

3  Collections

4  Bankruptcies

5  New applications for credit

6  Ratio of available credit to debt outstanding

7  Late Payments

 

State Rules Vary

States have rules about how credit information can be used in insurance. Contact your state’s Department of Insurance for the latest information on your state’s rules. In Ohio you can call 614-644-2658 or visit insurance.gov

Credit Report Errors

If your credit record is incomplete or has an error, ask the credit reporting bureau to make the corrections. Use these links to help you review and monitor your credit score. – Equifax, Experian and TransUnion.

To find out how your score affects your Home and Auto insurance premiums you can give us a call at 937-962-2123 or visit our Get a Quote Pages, AUTO QUOTE or HOME QUOTE.

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Auto Insurance Liability Limits…. What Is Enough?

Auto Insurance Liability Limits…. What Is Enough?

Auto Insurance Liability Limits…. What is Enough?
In the great state of Ohio, as well most other states, there is a law that declares everyone must have some form of financial responsibility if you have a drivers license. The vast majority of us satisfy this law by purchasing auto insurance. But what amount of coverage does the law require and is that really enough?

 

First of all, when does auto insurance liability coverage come in to play? When you have caused an accident and are responsible to another party for property damage or bodily injury that you have caused them, this is when your car insurance liability coverage will respond.

 

Again, speaking about Ohio, our minimum limits of liability are 25/50/25. Let me break that out for you. 

The first number 25 refers to bodily injury per person and is represented in the thousands, $25,000 for one person’s injury.  This is the maximum limit the insurance policy will provide. If the cost to treat that person for their injury is $25,000 or less, you are golden. But how likely is that?

The second number is 50. Again this represents thousands of dollars. This amount is the maximum amount of coverage your policy has in the event that more than one person is injured. First we had $25,000 maximum for one person, but here we see the maximum coverage available for all bodily injury is $50,000. For example… if there are 3 people injured in the vehicle you hit, you will have no more than $25,000 for any one individual and a maximum of $50,000 for all of them combined.

OK, now for the last number, 25. This number represents the property damage limit. Most of the time in auto accidents we are applying this coverage to another vehicle. However, property damage can be other things as well. Guard rails, stop signs, truck cargo or even the occasional building like on the evening news when we see that a vehicle has run through the front door of a convenience store. All these will be covered by the property damage coverage. Property Damage is not broken down into per person and per accident limits like bodily injury was, this coverage is for TOTAL property damage caused by the accident.

Now that you know what the limits mean and what the state of Ohio requires, we can discuss if these limits are enough for you.

Rule of thumb in the insurance industry is to “protect your assets.” If you don’t own much then the state minimum may be fine for you. But…. Do you own a house? How many cars do you own? What about toys, do you have a motorcycle, boat or a quad? Maybe you have a savings account or a retirement nest egg saved up. All these things need to be taken into consideration when considering what limit you will purchase as your insurance protection.

Looking at real world examples of Property Damage. Let’s consider the average cost of a new car today being about $30,000. That is only one vehicle and already you have exhausted your $25,000 limit if you end up doing so much damage they total out the car. But what if you hit a more expensive vehicle like an SUV or a Corvette. What if you cause damage to more than one vehicle? Heaven forbid you are responsible for running a semi off the road and damaging the rig, the trailer and the cargo. $25,000 doesn’t go very far in these cases and you may be left paying for the difference out of your pocket.

Now let’s look at bodily injury. $25,000 per person. $25k barely pays for a Careflight medical helicopter ride if one is needed. Whether by air or by ambulance, when the person you just injured gets to the hospital what do you think will happen? Will the medical staff there do a simple exam and send them home? Maybe. Or is it more likely that there will be extensive (expensive) tests, scans and overnight evaluations?

All said, what I am trying to get you to think about is what level of protection do you need from your auto insurance. It may not be good enough just to accept the state minimum. Insurance is not a simple game of having coverage or not. There are many things to consider, liability is just the tip of the proverbial iceberg. If your agent/company does not discuss limits with you then maybe you shouldn’t be doing business with them. Maybe you should seek advice somewhere else. A good agent will explain your choices and help you understand what each coverage is for.

Bottom line, don’t just assume you should take the minimum coverage. There is more to insurance than just having it. Making sure you have the right type and the right limits of coverage is very important and shouldn’t be taken lightly. I recommend you seek professional help from your local, independent insurance agent.

If you would like a free consultation with one of our agents at Taylor & Associates Insurance Agency, just give us a call at 937-962-2123 or CONTACT US HERE. We would be glad to help you understand your limits and to discuss the other coverage options of an insurance policy.

Click here if you would like an auto insurance quote.

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What To Expect When An Automaker Finds Defects

What To Expect When An Automaker Finds Defects

What to Expect When an Automaker Finds Defects

Buying a new car doesn’t guarantee the vehicle will be without problems. Manufacturers issue recalls when an automotive defect is found that could pose a danger to drivers or passengers. In fact, 2014 was a record-breaking year for car recalls in the U.S., with more than 60 million vehicles affected by approximately 700 announcements.

The Recall Process
Any number of problems can incite a recall — from malfunctioning accelerators to defective steering parts and everything in between.

Once issues are discovered, automakers are legally required to send recall letters to the registered owner of each vehicle detailing what’s wrong, the risks posed, and where the vehicle can be serviced. The notice will also include a list of potential warning signs to help determine if a vehicle requires immediate attention.

When the problem is less serious, the automaker sends a service bulletin to dealers, notifying them of the concern and outlining how to resolve it. Often referred to as “secret warranties,” these announcements usually go unpublicized since the issues don’t pose a threat to safety.

A manufacturer who issues a recall notice to drivers or a service bulletin to dealers accepts the financial liability for the recall-related repairs as long as a designated dealership or repair site services the vehicle.

How to Stay Aware of Recalls
Before buying a car manufactured in the last 10 years, check for recalls online. Search the recall database maintained by the National Highway Traffic Safety Administration (NHTSA) to determine if recalls have been issued or if a particular vehicle has missed necessary recall-related repairs.

If you think your vehicle has a safety defect, report it to the NHTSA so potential safety hazards can be investigated and addressed. If the NHTSA receives enough complaints on a specific make and model, the government agency will launch an investigation.

  • To find get more information about how we can help you with your Auto Insurance Coverage you can call us at 937-962-2123 or fill out our Quote form.

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Electronic Signatures At Taylor & Associates Insurance

Electronic Signatures At Taylor & Associates Insurance

Taylor & Associates Announces Partnership With InsureSign 
An Insurance Industry Electronic Signature Leader

We have been using InsureSign on a trial basis for a few months during the last half of 2015. We have been emailing forms to our customers to sign on their smartphones, tablets and computers and testing has proven to be very effective and helpful to our business process. Effective the first of 2016 we have committed to a more permanent arrangement with InsureSign in our agency.

In today’s fast paced life our agents and customers have found the ease and speed of E-Signatures to be very convenient. Electronic signature programs have been around for a while in the insurance industry and some of our companies even offer the ability to use a version of electronic signature acquisition for the application process. At Taylor & Associates we felt that it would be better for our staff and customers if we had a more uniform process for obtaining e-signatures. That is why we started looking for a company that we could partner with. InsureSign is that company.

Taylor & Associates is currently using InsureSign to obtain E-Signatures on new business applications as well as things like change forms, electronic funds agreements and other such day to day items. We believe that the electronic method of obtaining signatures will be expanding in our office as customers and staff become more familiar with the process. 

We are a relationship based agency. Being a local family owned business we understand the value of the relationship with our customers and will not allow technology to interfere with that. We also understand that some customers are not comfortable with this technology or don’t have the devices like tablets or smartphones to take advantage of electronic signatures. We will continue to offer paper forms and have no problem with the “old fashioned, face to face” way of doing business.

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6 Home Winter Safety Tips

6 Home Winter Safety Tips

Despite the mild start this year, winter is here and with its arrival comes more time spent indoors, colder temperatures and winter storms.  Ice, snow, wind and cold can cause in-home dangers.  However, with a little understanding and preparation, you can ensure your house weathers the chilly months so you have a safe and damage free winter.

Here are 7 tips for making sure your home is safe this winter:

1) Winterize Your Home – From installing storm windows to adding insulation to sealing cracks with caulk and applying weather stripping around door and window frames, winterizing your home can not only save you money on energy bills but also help you avoid issues, like ice dams. Popular Mechanics Tips

2) Give your Furnace a Tune Up – Schedule a maintenance visit with your HVAC company to have your system professionally cleaned and inspected and make sure it’s being properly ventilated to the outside.  Also be sure to change your filter frequently (VERY IMPORTANT – usually monthly – check your furnace manual or ask your HVAC company).

3) Give Your Fireplace, Chimney and Roof Some TLC– Clean out your fireplace or wood stove and have your chimney inspected and swept, if needed.  Also inspect your roof, repair any leaks and replace any missing or damaged shingles. This should be done each and every year.

4) Prevent frozen pipes – Pipes that are exposed to severe cold, like those that feed exterior water faucets, swimming pools and pipes going into unheated interior areas like garages most frequently freeze. Make sure you drain water from supply lines and close inside valves.  Also make sure that pipes feeding unheated areas are thoroughly insulated. It is a good idea that everyone in the house know where the main water shut off valve is located. Marking the main shut off valve may help in the event of an emergency. For a Free Water Main Valve Identifier Tag – just stop by the office to pick one up.

5) Check Your Fire and CO Detectors–From space heaters to candles to unattended stove tops, home fires increase in the winter.   Ensure both your fire and carbon monoxide detectors are working properly and that they have new batteries.  Also make sure you have detectors and fire extinguishers on each floor of your home. For a Free 9v Battery – just stop by our office to pick one up. (Limit one free battery per household please.)

6) Be Prepared for Storms and Power Outages – From stocking up on snow melt, nonperishable foods and bottled water to ensuring your snow blower, shovel and roof rake are accessible and ready to go (including fuel), be prepared for winter storms.  When snowstorms hit, also make sure your heating vents aren’t blocked by snow, which can lead to carbon monoxide poisoning.  In the event there is a power outage, make sure you have a safe alternate heating source as well as a hand-crank radio, flashlights with new batteries and backup battery or solar-powered chargers to keep cell phones charged. If possible, do maintenance heading into winter to avoid emergency repairs, which are not only harder to get scheduled but also often more expensive.  A little prevention will go a long way in giving you peace of mind and ensuring you can enjoy winter from the comfort of your safe and warm home.

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Halloween

Less Tricks, More Treats.

Halloween is a special time for kids (of all ages), but as fun as it can be, it can also 
be a dangerous time for trick-or-treaters.

If your child will be heading out this Halloween, here are a few safety tips that 
can make their journey safer:

Ditch costumes that drag.
Avoid flowing or draping garments that can get caught, walked on, or tripped over. Costumes that fit like normal clothing are typically more comfortable and safe for trick-or-treat.

Don’t mask that smiling face.
Keep masks small and be sure they don’t obstruct vision.Or, leave the mask at home and opt for face paint. Just be sure to avoid the area right around the eyes.

Shine a light on safety while carving out another Halloween tradition with these guidelines.

Contact Our Insurance Wizards

Keep your eye out for witches, ghosts, and other ghouls.
Don’t let young kids go trick-or-treating without an adult. It may be okay for teens, 
and even responsible preteens, to go in groups of friends, but younger kids need to be 
supervised by an adult.

Don’t scare away safety.
Review traffic safety with your little ones before hitting the streets. If you’re planning 
on driving during trick-or-treat night, a quick refresher may be relevant for you as well!

Save the real treats for home.
Carry some pre-packed snacks to encourage children not to munch on treats which 
haven’t been inspected by an adult.Although studies show actual tampering of candy 
rarely occurs, it’s better to be safe than sorry.

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5 Common Myths About Car Insurance

5 Common Myths About Car Insurance

Visit our website www.tayloragy.com, check out our social media or just give us a call. 937-962-2123


5 Common Myths About Car Insurance

Does driving a red car mean you pay more for insurance? Does your insurance cover valuables stolen from your car? These are some of the questions many drivers don’t know the answers to, according to a survey conducted by Princeton Survey Research Associates International. Here are five of the most common car insurance misconceptions and the truth behind each.

  1. Myth: Your car isn’t covered if the accident is your fault.
    Collision insurance covers the vehicle of the insured, regardless of who’s at fault for an accident. However, if you carry only the minimum liability insurance required by state law, your insurance covers only the damage to the other driver’s vehicle, not your own.

  2. Myth: Red cars cost more to insure than other colors.
    The color of your car has absolutely no effect on your insurance rates, but the make and model of your car do. Why? Safety ratings vary by vehicle, and safer cars generally cost insurance companies less to cover.

  3. Myth: Auto insurance covers valuables stolen from your car.
    Auto insurance does not typically cover items stolen from your car, such as laptops or cellphones. Fortunately, homeowners and renters insurance both cover personal property stolen from vehicles. That said, in many cases, the loss isn’t above the deductible.

  4. Myth: Where you live doesn’t affect your insurance costs.
    When it comes to insurance, location does matter. Accident and vehicle crime rates in your neighborhood can impact premiums. Typically people who live in urban areas pay more than those who live in rural areas.

  5. Myth: Your insurance coverage includes mechanical repairs.
    Mechanical breakdowns, vehicle wear and tear, and regular maintenance are not covered by auto insurance. If your car is still under warranty, you may be able to avoid the out-of-pocket expenses.

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Tips For Driving In Extreme Weather Events

Tips For Driving In Extreme Weather Events

Tips for Driving in Extreme Weather Events

Do you know what to do if you find yourself on the road during a lightning storm? What if you get stuck in a flash flood or an earthquake? You may not need these driving skills every day, but the knowledge is helpful in emergency situations.

The surest way to stay safe in these worst-case scenarios is to remain safely indoors. If you know a storm is coming, avoid driving and take shelter until local authorities give the all clear. If you do find yourself caught in the car, follow these tips to help you weather the storm:

Earthquake —Get to an open area away from potential hazards, stay put to avoid aftershocks and listen to the radio if possible for updates. After the tremors have passed, drive cautiously, avoiding overpasses and bridges and watching for road damage and downed electrical lines.

Lightning Storm —Stay in your vehicle; it is one of the safest places to be during a lightning storm. The steel frame acts as a Faraday cage, protecting the occupants inside as long as you aren’t touching any of the metal parts.

Flash Flood —Get to high ground as soon as possible and never attempt to drive through water covering the roadway. As little as six inches of water can cause loss of control and possible stalling for most passenger vehicles. If you find yourself stranded, call 911 immediately.

Blizzard —Be prepared for winter storms by always having a winter safety kit, including a shovel, with you in the vehicle and driving with a full tank of gas and a fully charged phone. If you break down, stay with your vehicle and call for help.

Tornado —If you spot a tornado, stop and find a place away from your car. The safest outdoor spot during a tornado is a hole or a depression that puts you lower than the road and acts as a natural shelter. Cover your head with your hands to protect yourself from flying debris.

For more information call us at 937-962-2123 to help you be prepared for driving in extreme weather. To get a quote for auto insurance.