2012 insurance guide

8/2/2019 2012 Insurance Guide

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INSURANCE GUIDE 2012A special supplement to the Delphos Herald -March 2012

PROTECTYour HOMEYour FAMILYYour LIFESTYLE


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2 The Delphos Herald Insurance Guide March 2012

Get professional advice when insuringthe largest purchases youve ever made.

Great coverage, rates and insurance advice from Nationwide.

ROBERT D GAMBLE

Robert D Gamble

[email protected]

122 N Washington St

Van Wert, OH 45891

(419) 238-0406

2006NationwideMutualInsuranceCompanyandAffiliatedCompanies.NationwideLifeInsuranceCompany.Homeoffice:Columbus,Ohio43215-2220.Nationwide,theNationwideFramemarkandOnYourSideare federallyregisteredservicemarksofNationwideMutualInsuranceCompany.Notavailableinall states.

PPURMORT BROTHERS

INSURANCE AGENCY

101 W. Crawford Street, P.O. Box 350

Van Wert, Ohio 45891

419-238-6214 * Mon-Fri 8:00-5:00

www.purmortbros.com

Family insurance needs

Homeowners

Automobile

Life Insurance

Medical Insurance Long Term Care

Farmowners

Business insurance needs

Liability Insurance

Fire Insurance

Group Insurance

Business Cars & Trucks Long Term Care

Farmowners

Call and compare

with the people

who care

Insurance Since 1876

B

By Jasper Ericks

Choosing the right auto insurance coverage is impor-tant to ensure you do not get into the wrong side of law.There are many rules and regulations stipulated by everystate that governs the drivers using their vehicles. The mostimportant among these stipulations is the need for a validinsurance coverage. Each year, there are a number of peoplewho are caught by the traffic police and fined or jailed fordriving without a valid auto insurance policy. Though manypeople assume they have a valid policy, they do not realizetill much later. If you want to avoid being in such as predica-ment and ensure you purchase a valid auto insurance policy,there are a few mistakes that you need to avoid.

Before you purchase an insurance policy from any pro-

vider, you have to verify the authenticity of the provider.You can either visit their offices once or read through thereviews for that auto insurance provider on the internet. Go-ing through the feedback left behind for these companies byprevious customers will also give you a fair idea about thecredibility of the provider.

The next mistake people do is to purchase the coveragewithout any forethought. There are many factors that youneed to take into consideration while choosing the cover-age for your vehicle. While the age of your car is definitelythe prime factor that you need to consider while decidingon the coverage you require, you also need to tailor in thefrequency of usage. If the car is used very often, then youwill be a more comprehensive coverage as compared to thecoverage you will need when the car is used sparingly.

Finally, never purchase the auto insurance withoutcomparing the policies. There are many providers in everyregion, thereby making this field very competitive. As a

customer, you stand to benefit since you can get quotes frommultiple providers and compare who is giving you the bestcoverage at affordable prices. You also will have an upper

hand while negotiating with the companies of your choice

for prices that are easy on your wallet. Ensure you have aclear understanding on the validity of the insurance and thatthe provider is offering you the basic minimum specified toensure the credibility of your policy.

Buying auto insurance coverage need not be as expen-sive as you imagine. It is true that the cost of the premi-ums is increasing with each passing years keeping in mindthe increasing rate of fraudulent claims and other aspects.However, it is also true that the premiums can be reducedby planning wisely and varying certain factors that have astrong influence on the insurance rates. It is important toknow these factors so you can purchase the auto insuranceof your choice at prices that are easy on your wallet.

The primary factor that has an impact on the auto insur-ance premiums is how often you drive the car. Customerswho travel by car daily to their workplace have increasedchances of meeting with an accident as compared to thosewho use their vehicles sparingly. As that chances of acci-dents increase, the liability of the insurance provider alsoincreases. They try to minimize their risk by charging higherpremiums to such drivers. Therefore, if you want to keepyour insurance premiums to a minimum, it is recom-mended that you curtail your driving needs. Considerusing the public transport system to commute to and froyour workplace. Do not use cars if your workplace iscloser to home; consider taking a walk instead.

Another aspect that has a bearing on the auto insur-(See AUTO page 3)

Mistakes people make choosing auto insurance coverage


3/8

March 2012 The Delphos HeraldInsurance Guide 3

Everyones looking for an encouraging sign in todays economy. The fact is, theyll

see one in over 17,500 locations across North America. Because for over 86 years,

State Farm agents have been there helping people protect the things that matter most.

Thats why more people trust State Farm. And we consider that a very good sign.

LIKE A GOOD NEIGHBOR,

STATE FARM IS THERE.

A GOOD SIGNEVEN IN TIMES LIKETHESE.

Steve Bailey109 W Main Street

Van Wert, OH 45891

Bus: [email protected]

Dodie Seller251 N. Canal StreetDelphos, OH 45833

Bus: [email protected]

PROVI D I NG I NSURANCE AND F I NANCI AL SERV I CES

State Farm, Bloomington IL

P087083 11/08 statefarm.com

General insurance tips:Have your current insurance policy with you when requesting your insurance quotes.

Consider a higher insurance deductible.Place all of your insurance policies with the same company to qualify for a multiplepolicy discount.

For car insurance quotes:Be sure all vehicle discounts are applied (Anti-lock brakes, Alarm system,daytime running lights, vin-etching, etc.).Take a defensive driving course.Be very accurate about your mileage to and from work.Ask about affinity discounts.

For a homeowners insurance quotes:Be sure that your home is insured to its valueBe sure all home discounts are applied (Alarm, smoke alarms, fire extinguishers,

dead bolt locks, etc.).If your older home has been renovated, tell your agent.

For a life insurance quotes:Consider level premium term insurance.If you are a smoker, quit for at least 13 months and request that your insurancecompany consider you for a nonsmoker insurance rate.

For a health insurance quotesConsider a higher co-payment or deductible.Join a group health insurance plan.

For a long-term insurance quotesConsider a longer elimination (waiting) period.Purchase coverage when you are young (premiums are lower).Pick a daily benefit based on where you live.

ance premium is the security features inthe car. With an increasing number of carsbeing stolen regularly, auto insurance

providers are apprehensive while offer-ing insurance policies to customers, es-pecially the ones with new cars since thechances of those vehicles getting stolenare higher. Therefore, they charge suchcustomers high premiums to reduce theirrisk. If you want to ensure the best cover-age for your relatively new car withoutany compromises, the best bet would beto get certain safety devices affixed toyour vehicle to minimize the chances of

them getting stolen. Insurance providerswill reward this move by offering youhigher discounts that can help you save

money.The type of the coverage chosen is

another factor that has a bearing on thepremium. It is important to choose theright type of coverage based on the typeof car and its age. If you have a car that isyears old and does not have a high mar-ket value, choosing the comprehensivecoverage can be an unwise move. Choos-ing the third party coverage instead canprove to be a better choice.

TIPSFor getting insurance quotes

AUTO(Continued from page 2)

The Importance of Life InsuranceMany of us know that having life is insur-

ance is important, but it may not always beclear to people how life insurance works orwhy exactly its so significant to begin with.An agreement between the insurer and poli-cy holder, life insurance pays an agreed uponsum of money to someone whom the insurernames as beneficiary; in case some sort ofwrongful death or terminal illness should

befall the insurer. In simple terms, life insur-ance helps take care of your family or lovedones in case something unforeseeable hap-pens to you.

It is imperative to remember that if youmiss even a single payment, your insurancemay be revokedand if you die at this time,then it might not pay out at all. Knowing and

understanding your policy completely is thebest way to ensure that you dont lapse onyour policy, or fail to understand somethingcompletelyboth of which could easily leadto non-payment in the event of death.

Remember, life insurance isnt somethingworth skimping on, it counts to pay more forthings you may not need than to leave themout. In this world, you can never be too sure

about something, and it pays to cover allyour bases.

Though with the many pitfalls that ac-company life insurance, the industry doeshelp a lot of grieving people each year withexpenses they might not otherwise be ableto pay for.


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Rhoadesinsurance agency

100 West Main Street

Van Wert, Ohio 45891

Phone: 419-238-2341

Fax: 419-238-9544

James A. Rhoades, LUTCF

www.rhoadesinsurance.com

Farm Home Auto Life Fire Property & Casualty

Ameriprise Financial Services, Inc. Member FINRA and SIPC. Ameriprise Financial cannotguarantee uture fnancial results.

2012 Ameriprise Financial, Inc. All rights reserved.

We protect millions of dreams.

Are yours protected?You have many important dreams. Your childrens education.

A condent retirement. Leaving a nancial legacy. But

unexpected events could put those goals on hold. Together, we

can nd the right life and disability income insurance to help

Jo An M M. Smith, CFP

practitioner

Financial Advisor

227 N Main StDelphos, OH 45833

419-695-7010

[email protected]

www.ameripriseadvisors.com/joan.m.smith

Call me today at(419) 695.7010

by Melissa Jeffries

Choosing the proper health insuranceplan is a huge decision for most families.There used to be one type of service (nowknown as a fee-for-service plan), but sincethen weve been bombarded by choices.Today, trying to find the best plan for youor your family is enough to make youreach inside your medicine cabinet. Youneed to know what options are availableto you, what each of those options offers

and whether or not you can afford them. Inthis article, well look at the two primaryissues that most people face when trying tofind the right health insurance plan: budgetand need.

Keep in mind that there is no one-size-fits-all health insurance plan. To find outwhat kind of coverage you need, and toavoid paying for what you dont, thereare several questions you should carefullyconsider before you sign on the dotted line.Once youve settled on a plan, its yourresponsibility to thoroughly understand it

and follow its guidelines. The variety ofplans seems endless, so where do you be-gin to make sense of them all? There areseveral key factors to consider when pur-chasing a health care plan -- well wadethrough these factors to help you find outhow to choose the best one for you andyour family.

Finding the intersection of budget andneed can be tough. The needs of a healthytwentysomething are vastly different fromthe needs of a family of four, which arevastly different from a baby boomer en-tering retirement. Luckily there are goodoptions for each situation. Every kind ofhealth insurance plan, be it a managed-care or fee-for-service plan, has differentways of handling every different kind ofscenario. First, you need to determine whatkind of coverage you need and whether or

not you can afford it.Lets take a look at the questions raisedby finances. Those of us who are operatingunder a low financial ceiling need to paycareful attention to where our health caredollars are going. Do you visit the doc-tor very often? How much of a monthlypremium can you afford? Can you meetyour deductible in order to get full cover-age? If you choose a managed-care plan,how much more will it cost to go out ofthe provider network? Is there a limit tothe amount youll have to pay and to the

amount paid to you by your insurance car-rier?

Of course, these financial concerns aremade doubly important when you begin tofactor in your own health care needs. Areyou caring for any dependents? Do youhave any pre-existing conditions? Howcomprehensive do you want your plan to

be? Do you need dental and vision plans?Do you have a chronic illness that requiresmonthly treatment? What are your month-to-month medical expenses, like prescrip-tion drugs? What could happen should yourequire surgery? What if you were injuredin an accident? How much preventativecare do you want?

These are tough questions, but its nevera good idea to bury your head in the sand,especially where health is concerned. With

careful consideration of these questions,you and your family will be able to findthat health care sweet spot -- where youget the coverage you need at prices youcan afford.

Health Insurance Plan Options

Health management organizations(HMOs) are essentially low-cost, but low-choice, health plans. You choose a primarycare physician (PCP) who coordinates allof your health care needs. Therefore, when-ever you need a specialist, you must go toyour primary doctor first and get a referral.This can be time-consuming, but one ad-vantage of having a primary doctor is thatif you have several health issues, there isone person who can be sure you are pursu-

ing the right type of treatment. Also, youare confined to doctors and hospitals thatare included in the HMO network. If youchoose to wander outside of the network,none of your expenses will be covered. Inthese types of plans, your co-pay is usually

How to choose a

HEALTH INSURANCE PLAN


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Nationwide.But still very, very local.Get great local service with Nationwide.

G A BROWN INS AGENCY INCGreg Brown

346 E. Main St.

Ottawa, OH 45875

(419) 523-5527

20 W. Second St., Ft. Jennings(419) 286-2660

INS5533ADA 06/08/09

RETIREMENT IS FORENJOYING YOUR FAMILY,

NOT DEPENDING ON THEM.

www.edwardjones.com Member SIPC

Long term care insurance can help protect you and your family.

You cherish your loved ones. Thats why its so importantto help protect them from financial burden if you should

require in-home assistance or a nursing home stay. EdwardJones offers a variety of long term care insurance plans

that can help cover the continually rising costs associated

with this type of care. Its important to know that health

insurance, Medicare and Medicaid may not cover all typesof long term care. Together, we can discuss how a longterm care insurance policy may be able to help protect

your savings and provide support for your loved ones.

Call today for details on the costs, benefits, limitations

and exclusions of a long term care insurance policy.

Long term care insurance products are underwritten byGENWORTH LIFE INSURANCE COMPANY.

This is a solicitation of insurance for policy form series: 7042, 7042Rev, 7044, 7044 Rev, and 7048. (In Florida, 7042FL, 7044FL; in Idaho,7042ID Rev, 7044ID Rev, 7048ID; in North Carolina, 7042NC Rev,7044NC Rev; in Oklahoma, 7042OK Rev, 7044OK Rev, 7048OK; in Texas,7042TX Rev, 7044TX Rev; in Washington, 7042WA, 7044WA, 7048WA; inVermont, 7042VT, 7044VT.) Not all policies are available in all states.

Andy NorthFinancial Advisor.

1122 Elida AvenueDelphos, OH 45833419-695-0660

low, if you have one at all. So, if you haveseveral doctors appointments each month,this makes good financial sense.

In a preferred provider organization(PPO), health care providers (like doctorsand hospitals) have made an agreementwith the insurance companies to offer sub-stantially discounted fees. The system hasa kind of you scratch my back and Illscratch yours feel to it. The insurer getsa discount from the provider, which theo-retically is passed along to you, and in re-turn, the provider gets a much larger groupof patients to bill. A PPO does not requireyou to maintain a PCP, so you canseek care from a spe-cialist withouta referral. Also,you can use aprovider outside

of the network --but the expensescan be substan-tially higher.

A point of ser-vice plan (POS)combines the for-mulas used byHMOs and PPOs.Like in an HMO,your PCP must re-fer you to in-networkspecialists in order to

maintain the lowest expenses pos-sible. When receiving care from a providerwithin the network, you are responsible fora small co-payment, but you dont have tomeet a deductible. It is when you go outsideof your network that a POS acts more likea PPO. A POS will allow you to self-referoutside the network. In this scenario, youmust first meet the deductible, and then

youll probably have higher coinsurance.A PPO offers a strong financial incentiveto remain within the network, but does notforbid it the way an HMO would.

Catastrophic insurance is a type of fee-for-service policy that is designed to giveprotection against, well, a catastrophe. It issometimes referred to as a High Deduct-ible Health Plan because low monthly pre-miums, usually around $25, are traded fora significantly higher deductible, usuallybetween $500 and $5,000. This means thatwith this plan, out-of-pocket expenses likerou- tine doctors visits

and prescriptioncosts are higher,but monthly andannual premiumfees are lower. Byopting to lower

your monthlypremiums, youare taking on agreater respon-sibility forcovering yourown healthcare costs.

Fee-for-service

plans, or in-demnity plans, are what older

generations know simply as health in-

surance. They are the most traditional,expensive and liberal type of coverage.They work by reimbursing you for around80 percent of what you pay out of pocket.You pay the bill for services, then your in-surance company pays you back. It worksout to be the same as paying a 20 percentco-pay, but you are responsible for all ofthe up-front costs. You can seek any type

of care, wherever and whenever you want.Most plans of this sort do have a lifetimemaximum to the benefits youll receive,though. If flexibility and freedom are moreimportant to you than minimizing yourout-of-pocket expenses, this plan might bejust what youre looking for.

Finding that equilibrium between bud-get and need is a delicate balance. Maybeone type of plan would be better for you

in the long run but is financially out ofreach at the moment. Anticipating healthcare needs is a great way to extend yourown life as well as that of your checkingaccount. What is most important is for youto know what youre getting, and whatyoure giving up, when you enter into a

health insurance policy. There are plentyof options, and one of them is bound to bethe right one for you.


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TRUSTED

PROTECTION

Auto Home Annuities

Life Business

Farm Health

TKITHATCHER-KULWICKI

INSURANCE

419-238-0063135 E. Central

Van Wert

419-749-2121105 W. Tully

Convoy

By Scott PurveShopping for homeowner insurance is

one of those nagging home buying detailsthat sometimes manages to slip though thecracks. Its not unusual for insurance agentsto receive last-minute frantic phone callsfrom title and / or escrow companies re-questing a home insurance binder. To saveyourself trouble, its a good idea to startshopping for a homeowner policy as soonas your purchase offer is accepted. Here area few tips about buying homeowner insur-ance that are designed to save you time andmoney:

Determine InsurabilityYour insurance agent needs extensive

information from you to quote you the bestrate for your policy. To determine insurabil-ity, an agent will ask:

When was the home built?How old is the plumbing and electri-

cal?What type of roof?Whats the square footage?

How many claims have been filed overthe past 5 years?

Where is the home located?If the home is located in a rural area

without a nearby fire department or thereis no fire hydrant on the street, some com-panies may refuse to insure it. In that case,you may have to inquire at a specialty orsurplus-lines company, and this quote willtake longer to obtain.

DeductiblesYou can save money by having a higher

deductible on your policy. Typically, insur-ance companies will start giving discounts ata $500 deductible and increase the discountas your deductible increases. Most com-panies offer deductibles up to $10,000. Becareful, however, because many mortgagecompanies will not allow you to exceed a$1,000 deductible, so check with your lend-er before opting for a higher deductible.

How Much Insurance Do You Need?Most agents use a cost estimator to

figure cost replacement estimates. Thiswill ensure that your home is insured for

the correct amount. Insurance companiesdo not insure dirt. If you buy a home that

includes a large lot, do not be astonishedwhen you receive an insurance policy for alot less than what you paid for the home.This is because you are buying coverage forthe home and not the land.

In the past, replacement coverage

was called Guaranteed Replacement Cost.There is no such coverage anymore. Todayit is Replacement Cost Coverage, whichmeans each insurance company designatesa percentage of additional coverage on topof the insured amount. This is designed toprotect the homeowner who has suffereda loss from having to pay additional con-struction costs to rebuild. It can cost moreto build because of inflation or simply be-cause material prices have increased. Forexample, if the dwelling coverage is insuredfor $300,000, and the company has 125%

replacement cost coverage, the homeownerwould receive an additional $75,000.Many recommend 200% replacement

cost coverage, which gives homeownersdouble the coverage.

Policy OptionsYou have other choices on your home

insurance policy that you can tailor. Liabil-ity coverage is a part of your homeownersinsurance policy that is often overlooked.This protects the insured against claimsarising from bodily injury and propertydamage to others. For example, if your five-

year-old was playing with matches and setyour neighbors house on fire, your liabilitycoverage would pay for this damage. Youmight have to move out of the neighbor-hood, but your insurance policy would payyour neighbor.

It is common to see $300,000 in cover-age for liability, but the cost to raise it to$500,000 is about $20 more a year. You canhave up to one-million coverage on mostpolicies. Over that, you need an excess lia-bility policy or umbrella policy. Umbrellapolicies give you an additional $1,000,000

liability coverage for a $300 to $500 pre-mium.

Available DiscountsMake sure that you are getting all of

Let our local agents serve you.

Pohlman InsuranceLucy Pohlman, Agent

419-339-9196

Schmit-Massa & LloydInsurance Agency

419-692-0951

Rhoades Insurance

419-238-2341

Neighbor Insuring

Neighbor,

Since 1863

Tips to buying

Homeowner

Insurance

See HOMEOWNER page 7


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WereOn YourSide!Gilden Insurance Agency

403 North Main StreetDelphos, Ohio 45833

Phone 419-695-4656 or

1-800-234-9899email: [email protected]

217 N. Market StreetVan Wert, Ohio 45891

Phone 419-238-6580

On Your Side

NATIONWIDE

INSURANCE

Nationwide Mutual InsuranceCompany and Affiliated CompaniesHome Office: Columbus, OH43215-2220 MISC22 11/00

CANAL

CITIES

INSURANCE & INVESTMENT

Donald E. Wiechart, General Agent

560 N. St. Marys Road

Spencerville, OH 45887

e-mail: [email protected]

Bus. Ph. (419) 647-6906

Toll Free (800) 265-8891

Fax (419) 647-4617

Securities Offered Through Investment Network, Inc.Member FINRA, SIPC, MSRB. 484 S. Miller Road, STE 101,

Fairlawn, OH 44333-4176 (330)564-0568 FAX (330)564-0567

In your voyage through life ...

consider us your

LIFE preserver

,

, ,, ,

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, ,, ,

Agency NameAddress

Life is full of changes and challenges.

The right life insurance coverage canhelp you plan ahead for whatever mayhappen, both expected and unexpected.Call or visit your local Pekin InsuranceTM

Agent about the wide range of lifeinsurance products that will be your lifepreserver for whatever stage of life youare in. Universal Life, Term Life, PreferredWhole Life, Single Pay Child Life, Annuities... and more will go Beyond theexpectedTM for you and your loved ones.

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Daniel L. Morris

Dennis R. Hickey

Hickey-MorrisInsurance

Agency, Inc.452 E. Second St. P.O. Box 69

Delphos, OH 45833-0069Phone: 419-692-5876

1-800-686-4091Fax: 419-695-0897

Email:[email protected]

www.hickeymorris.com

When you start a home-based business,buying insurance may not be your first prior-ity, but you cannot afford to ignore it either.

When the unexpected happens -- and it will-- having insurance coverage may mean thedifference between the success and failure ofyour home-based business.

You may not require all types of insur-ance listed here, but taking some time now toconsider your insurance needs can save youmoney and headaches in the future. Ultimate-ly, after reading this article, the best way todetermine your complete needs is to consultwith your insurance agent. Explain to themthe details of your home-based business andhe or she should be able to determine the bestinsurance coverage for you (and any employ-ees).

Health InsuranceHealth insurance should be the first con-

sideration for yourself and any employeesyou may have. If you have just left your cur-rent job to start your own business, you maybe eligible for COBRA, which will providetemporary interim coverage. This will keepyou covered while you search for the besthealth insurance policy.

Disability InsuranceDisability insurance will guarantee that

you have some income should you suddenly

become unable to work because of injury orillness. Having this extra peace of mind is al-most always well worth the extra money you

pay.Life Insurance

Life insurance will help ensure that your

family has the money it needs should youmeet with an untimely death. Some lendersrequire that you have life insurance beforetheyll issue a loan; this guarantees that theloan will be repaid if you meet with an un-timely end.

Business Property InsuranceBusiness property insurance helps pro-

tect you against loss of inventory or equip-ment. If your business equipment or inven-tory is damaged in a flood, fire, or otherdisaster, this type of insurance will allow youto recoup your losses.

General Liability InsuranceComprehensive general liability insur-

ance is necessary for your home-based busi-ness if you plan on having clients or custom-ers visit your home. Whether you plan tohold meetings, allow customers to pick upmerchandise, or have members of the publicenter your home for any other reason, this in-surance will protect you if someone is injuredwhile on your property. This insurance willtypically pay for your legal defense shouldyou face a lawsuit as the result of a fall orother damage that occurs on your property.

Business Interruption Insurance

Business interruption insurance will helpyour business recover from natural disasters.It will cover you for income lost during the

disaster, and will pay for operating expensesthat continue to accrue, even though yourbusiness isnt up and running.

Workers Compensation InsuranceWorkers compensation insurance is an

absolute necessity if you plan on having em-ployees working out of your home. Withoutworkers comp, youll be responsible for anymedical expenses arising from injuries em-

ployees sustain while working for you. Manyhome-based business owners mistakenlybelieve that this type of insurance is only re-quired by businesses that have a retail or sep-arate location, but thats not the case. Anothermistake is assuming that only dangerousemployers (such as construction or movers)need this type of insurance. But what if youremployee slips on the stairs or their chairbreaks? While those are both unlikely, theyare possible and the less risky your business,the cheaper the insurance will be.

These insurance plans can help ensure

that you are prepared to face any eventualitythat might occur while you are running yourown business. Disasters, accidents, and cri-ses can strike at any time. By preparing now,you may be saving you and your companysignificant financial loss, wasted time, anddifficulty.

Insurance for Home-BasedBusiness Owners

(Continued from page 6)the credits for which you are eligible. If youhave an alarm system that reports to a cen-tral station (a company such as Brinks orADT), in some cases, you can get up to a10% discount. If you are over 50 and care toadmit it, you may be eligible for a discount.Companies have different names for agepreference policies, from senior discount tomature policyholder discount.

The most common discount is the multi-policy discount. This will save you moneyon your home and auto insurance. By com-

bining the two policies with the same com-pany, you are given a certain percentagediscount on both. the percentage discountsvary among companies, so its best to shoparound.

Review Your PoliciesCall your agent and review your ho-

meowner policy at least every three years.Needs change, markets change and cover-ages change. You should stay up-to-dateon your insurance because you never knowwhen you will need to rely on it.

HOMEOWNER


8/8


"Call Today-N-Save"

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Managing Risks. Protecting Assets.

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2012 insurance guide

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