Summer is a time for long days, warm nights, and visiting with old friends, but it’s also the time you should review your home insurance policy, and make sure your house is protected from damage while you travel.
This year, while you plan your summer break and enjoy a long vacation, make sure you’re able to fully relax, safe in the knowledge that your home is protected.
What Your Home Insurance Should Cover
There are a number of things to look out for on your home insurance policy. The most important types of home insurance include:
- Dwelling Coverage: This pays to repair or rebuild your home if it’s damaged by a covered cause of loss. You’ll need enough dwelling coverage to cover the cost of the repair or rebuild, should disaster strike.
- Other Structures Coverage: This can help pay for damages to buildings like garages, sheds, or fences surrounding your home.
- Personal Property Coverage: This makes sure your most valuable possessions and personal items, like furniture, clothes, sporting goods, and electronics, will be covered if they are damaged by a covered cause of loss.
- Loss of Use Coverage: Loss of Use coverage can pay for any additional living expenses you need, if you’re forced to move out of your home while repairs are being completed.
- Personal Liability Coverage: If a member of your household is responsible for causing injury or damage to others, liability coverage can protect you and provide a defence in the event of a lawsuit.
There are also options for extra coverage, which you should consider if you’re planning to be away from your home for a significant period of time:
- Special Personal Property Coverage
- Contents Replacement Cost
- Additional Replacement Cost Protection Coverage
- Jewellery and Valuable Items
- Water Back-up and Sump Pump Discharge or Overflow
Home Maintenance Tips
Even with home insurance, though, before you leave on vacation, it’s important to make sure you’ve given your home some TLC. A well-looked after home is one that’s most likely to avoid damage, and limit your chances of having to make an insurance claim.
Follow these simple steps to ensure you avoid damage to your home:
- Check the locks on your doors, and make sure your window locks are all in good working order before you go away.
- Check electrical outlets and cords for fire hazards, including frayed wires or loose-fitting plugs. Remember, don’t overload electrical outlets, fuse boxes, or extension cords.
- Inspect your toilet and washing machine for leaks, and thoroughly check all pipe connections.
- Replace any rotten wood or damaged stairs, and make sure any recreation equipment in your garden, such as swing sets, are free from rust and general wear and tear.
Finding the Right Policy
No matter how much coverage you need for your home this summer, at Brandt Insurance, we have many years of experience in providing outstanding home insurance, and we are here to help you!
Visit our website to request a free home insurance quote today, and make sure your home is protected.
At Brandt Insurance, we know it can be tough finding the best candidates to help your business grow. With the current rate of unemployment so low, and competition between businesses high, it’s important to offer your best employees a comprehensive benefits package, so that they have a reason to stay, and your company can keep on succeeding.
With our range of insurance policies, we can help you create inexpensive but competitive benefits packages for your employees, so you can be sure you’ll always retain the best of the best, and remain viable in a burgeoning marketplace.
What Do We Offer?
Thanks to our generations of experience in crafting benefits packages, we are able to help you package the kind of benefits offers your employees will value most. Our dedicated staff are on hand to help you create the most ideal insurance policy for your workers, and your business, and we can offer unique programmes of benefits, including:
- Health Care Insurance
- Disability Insurance
- Life Insurance
- Flexible Compensation
- Paid Leave
- Retirement/Pension Plans
- And Much More!
What Makes Us Different?
We don’t believe that ‘one size fits all’ when it comes to business insurance, and we certainly don’t think every employee benefits package should be the same. That’s why our dedicated staff are here to help you craft a one-of-a-kind insurance plan, that can make use of some, all, or a mixture of many of the policies listed above, so you can find the one that’s right for you and your employees.
We also keep our ear to the ground, so we know exactly what makes most employees tick. In a study of benefits, which was conducted by the United States Office of Personnel Management (OPM), they found that the top 3 benefits employees wished they had were Pension Plans, Savings Plans, and Employee Healthcare Benefits.
With this in mind, we can help you choose the kind of benefits plans that will help you attract and keep hold of your very best workers, so you can create the kind of company where work is valued, and the business can keep growing.
To learn more about our range of packages, visit our Employee Benefits Insurance page, or get in touch via our contact page, so our business family can help your business family, towards even greater success.
Insuring your business well is one of the key ways you can ensure long-term success. At Brandt Insurance, we have a proven track record of creating bespoke policies tailored to the specific needs of the wine industry, so you can rest assured you’re only paying for what you need.
Whether you’re a fledgling vineyard or a well-established winery, we can work with you to create a unique package of cost-effective coverage that works for your business. At Brandt, we have 55 years of experience in the insurance needs of wineries, vineyards, farms, and ranches.
Read on to discover some of the exclusive features we offer as part of our insurance plans.
All Risk Coverage
At any and all points in the supply chain, you will be insured for “All Risk” coverage, including earthquakes, earthquake sprinkler leakage and flood, and specific protection in the event of loss of income, since we can promise your stock will be valued at its selling price, should you need to claim.
Our All Risk Coverage offers customized proprietary features that are specifically tailored to the wine industry. The risk management additions allow our clients to maintain high quality standards throughout, and by providing a claims handling process that uses one of the largest wine and grape brokers in the country, we are well placed to give assistance on exceptional wine replacement valuations.
Our coverage includes, but isn’t limited to:
• Contamination from external sources
• Transportation of grapes to winery
• Wine leakage
• Third party errors & omissions
• Spoilage to grapes in the process to delivery
• Spoilage of wine due to temperature changes
• Previously undetected organisms natural to the wine-making process from external sources
• Wine ready for shipment or during shipment
With over half a century’s experience in insurance, the offer of tailored risk management, and the option of a one-page form to include a Statement of Wine Stock Values, you can rest assured that with Brandt Insurance, your business is in capable hands.
To find out more about how we can help protect your wine business, visit our website today, and discover how to protect your future earnings.
As an established and trusted company, we know there are certain things our customers expect when they choose to renew their insurance policies with us. Our proven track record of excellent coverage and world-class customer service is an important part of our business model, but to remain competitive in the markets, we also take great pride in adapting and changing with the times.
Below, we discuss the ways in which we adapt our business to change, and how this benefits our customers long-term.
- We Communicate Well
Our lines of communication are important to us, which is why we have established channels for employees to contact managers, managers to access customers, and customers to learn more about us. This allows us to constantly learn from the experiences of those we work with, so we’re able to consistently improve our business model year after year.
- We Accept Praise and Criticism
If our customers are happy, then we’re happy, and we want to hear that our service has been good. But that doesn’t mean we shy away from criticism, either. Criticism is what helps us to grow and learn, which is why we’re just as grateful to receive negative feedback as positive, and you can be sure that we’ll act on all complaints to make our service the best it can be.
- We Plan, But We Are Flexible
We set long-term goals for our business, which allows us to stay on track and ensure continuous growth. However, if we spot a great way to improve our service, we will take it, and find a way to incorporate it into our business plan. It’s this constant desire to improve that sets us apart from other companies in our area.
- We Embrace Technology
In a multi-media world, we are always looking for ways to incorporate technology into our day-to-day operations. For years now, we’ve combined our old-fashioned commitment to personal service with the latest innovations in the industry, which means we can make the process simple for our clients.
- We Are Customer-Focused
No matter how much our business grows, we know it’s our customers that make this business a success. That’s why we pride ourselves on being a small-town insurance agency, with an outstanding national reputation.
Change might be scary to some people, but for us, it’s a welcome challenge. We work change into our business model, and we are here to help you. So, if you’re looking for close personal customer service, with competitive national level savings, then look no further than Brandt Insurance.
It’s that time of year again, when some of us can look forward to a very welcome tax rebate, and start thinking of ways to spend it! Even though you might already have picked out several things you want to spend your money on, it’s important to remember that this isn’t simply bonus money, but money that’s already yours and is now being given back to you.
With this in mind, it’s best not to get too carried away with spur-of-the-moment purchases. This is your money: so give it a purpose, and start thinking about how to spend it wisely. Below, we’ve detailed just a few practical ways you can look after your money, and do something long-lasting with your tax rebate this year.
Increase Your Emergency Fund
We should all have a little extra cash put aside, ready for those unexpected disasters we sometimes encounter in life. Whether you’re only just starting your emergency fund, or adding to an existing account, be aware that ideally you should have 6 – 8 months’ worth of savings in an easily accessible, interest-bearing account. Instead of taking a little bit out of every pay check and adding to it that way, your tax rebate can be a lucrative addition to your rainy-days account.
Pay Off High-Interest Debt
After setting up an emergency fund, the next most sensible plan you should have in place is to get rid of any high-interest debt that’s hanging over your head. Make your refund work for you, by paying off payday loans, putting in place a debt elimination programme, and taking the edge off car loans or any credit card debt. Your future self will thank you!
Donate to Charity
When you’re keeping an eye on your savings, it can be easy to forget to give something back to your community. But with the unexpected windfall of your tax rebate, you could make a real difference to the area you live in by donating a portion of it to a cause close to your heart. And it’s a financially savvy expenditure as well, because you’ll be able to claim your donation as a future tax deduction, too!
Insure Your Home and Family
Insurance might be low down your priority list at most times of the year, but with the return of your tax, you could increase the insurance protection for your home and family for another year, giving you future peace of mind! What could be better?
Spend it On Something You Want
Finally, you can of course spend it on something you want. Treat your family to a much-needed vacation, make those home improvements you’ve been putting off, or simply take the pressure off budgeting for another month. No matter what you do, just try not to get too carried away, and make sure you’re making the smart choice, for you and your loved ones.
What do you plan on doing with your refund this year?
It might feel like winter is never-ending, but over the next few weeks we’ll start to feel the fresh spring air roll into our neighborhoods, towns, and cities, and as nature blooms into view again, we all know that it’s about time for bit of Spring cleaning. But as you tip out winter blankets and scrub beneath ornaments, remember that the start of the new year is also the perfect time to give your insurance policies a spring renewal.
Check up on your car insurance
Once we’ve chosen our car insurance it’s rare that we’ll try and change it, but having an annual review of your policy, rates, and premiums may very well get you a better deal. You may be entitled to discounts for membership to professional associations you weren’t a member of before, for example.
And if you have an older car as well, sticking with comprehensive insurance might not be the best option for you, because if your car is damaged in a major accident, the cost of the repairs might be greater than the car’s value. There are a number of other options that are worth looking into if that is the case, so it’s always best not to delay.
Brush up on your homeowner’s policy
As your home and family grows and changes, your homeowner’s policy should as well. The first thing you need to make sure of is that your premiums are still competitive, and that the policy still fits your needs if it is. If you’ve made renovations to your home, for example, you might be underinsured, and if you’ve invested in expensive jewellery or electronics, you might also need to add a rider to your policy to make sure they’re covered in the event of theft or damage.
As it’s spring and your house will undoubtedly look shiny and clean, it’s the perfect time to update your home inventory, and take pictures of the new possessions covered under your policy as well.
Review your life insurance
In particular, the start of the new year is the perfect time to review the beneficiaries of your life insurance policy. It’s important to remember that no matter how much your life may have moved on, any life insurance you’ve taken out will pass onto whichever beneficiary the insurance company has on file – whether that’s an ex-spouse, or someone else you’re no longer in contact with!
So no matter what you find in the cellar or loft this spring, make sure you’re fully up-to-date with your insurance policies, and can face the new year head-on, and prepared for whatever it may bring. If you’re not sure where to start, contact Brandt Insurance, and we’ll make sure we’re here to support you and your family, no matter the season!