for September, 2014

The impact of deer on insurance in shawano wisconsin

Posted on September 18, 2014 in insurance 101 - 0 comments -

The impact of deer on insurance rates is great.The impact of deer on insurance rates is great.  If you drive in Wisconsin for any amount of time you will often spot deer just off the road and it will be immediately apparent why deer have such a large impact on insurance.  If you drive through beautiful Northern Wisconsin you will feel like your on Bambi Safari.  With the ever-present reminder to stay alert laying right on the road distractions like cell phones are just not safe.  I myself have had several close calls.

As an insurance agent in Northeast Wisconsin we see real impact on our “comprehensive” insurance premiums especially when people move to other parts of the state.  The top three counties for car-deer accident reports were Waukesha with 809, Dane with 786 and Shawano with 748 reports. In Green Lake, Taylor and Shawano counties, more than half of all reported crashes in 2013 involved deer.  Animal collisions are covered by comprehensive coverage along with windshield damage, hail, theft and vandalism.  When more than half of all vehicle collisions are attributed to deer in Shawano county you can see why that particular premium is higher than in other counties.  Deer accidents, or near misses,  also tend to cause multiple vehicle collisions as well so those premiums are also affected.

Reasons for increased deer activity

Part of the reason we see a large volume of deer accidents in Shawano county is due to the agricultural areas next to our two major highways.  The long grass makes it hard to see a deer attempting to make its move.  As a result reaction time is reduced.  Two other components that increase the likelihood of deer on the roads is time of day and mating season.  Deer tend to run more during mating season and have more erratic judgement when crossing busy roads.  More deer – more chances for collision.

Stay safe out there and remember to keep a weather eye on the ditch-line.

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The hidden benefits of Renters Insurance

Posted on September 16, 2014 in insurance 101, Uncategorized - 0 comments -

For RentersFor some, insurance is required.  Whether your state requires you to carry auto insurance, like Wisconsin, or your landlord requires you to have renters insurance in your lease it may seem like just a hassle.  You may even think that your landlord carries fire insurance for you but if the unthinkable happens you may be let down.

Common Coverages in a Renters Insurance Policy

Unlike a landlord’s policy YOUR renters policy covers your personal belongings in the case of a loss.  If your possessions are stolen during a break-in or damaged by a fire or severe weather your renters insurance policy can help you recover their value.  Your renters policy also covers your liability in the event someone is hurt in your home and you are found liable for their injury.  Another coverage that is more common in Wisconsin and other Northern states is frozen pipes.  Sometimes pipes are located in a non heated area.  If water suddenly finds itself in your apartment or rented home you may be a phone call away from getting them replaced for their replacement value.

Common Myths about Renters Insurance

You may think it is just another extra expense but a renters insurance policy can be taken out for 10-20 dollars per month on average.  You may think you don’t own very much but if you sit down and really itemize what you own including your clothes, appliances and furniture you may be surprised how high that number gets.

The Hidden Benefits of Renters Insurance

You see all the ads talking about bundling right?  Chances are if you bundle your Auto Insurance with your Renters Insurance this discount alone may pay for the Renters Insurance Premium. You also hear about Identity Theft all the times these days. You may even know someone who had their identity stolen. In many cases you could add ID Theft coverage on your Renters Insurance policy.  Give your agent or us a call and we can give you a quote in less than 5 minutes.  You’ll be glad you did.

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Preparing Your Home for Cold Weather

Posted on September 3, 2014 in insurance 101 - 0 comments -

Winter is Coming. We often prepare for cold weather by making sure we have a good winter coat and boots or maybe we get our furnace looked at to ensure it runs properly when it is needed. One thing we dont often worry about is our home itself.  Regardless of the age of your home make sure you prepare it to better shelter you in the winter months.

1. Inspect your windows and the flashing around the windows. Are there any exposed areas? Not only can heat escape from these areas but moisture can seep in and wreak havoc when it freezes and expands.

2. Protect your roof from Ice Dams. If your roof is too shallow or perhaps more heat reaches a certain part of it you may start to see ice forming which is a problem. Ice can melt and get beneath your shingles which will eventually melt and cause water damage. Here is a handy article on preventing ice dams.

3. Protect your pipes.  If your pipes freeze and break releasing water into your home it wont just be a bad day….it will be a bad month.  Know where your pipes are and protect them from cold temperatures.  You may find that pipes were laid in some odd places like your unheated attic or a closet.  A very important tip is to know where your main shutoff is.  If you do have a problem you will not be searching for the solution as water invades your home.  The below info-graphic can help.

Find out how to keep water pipes from freezing with this frozen pipes infographic.

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