Tuesday, November 15, 2011

How do you feel about online insurance quotes?

Online quoting is great. It give the consumer a chance to compare quotes with different carriers and companies all in one spot. The only down side is that quote depends on what you, the customer, put in. If you put in false data, you will get a poor quote. Also, sometimes an experienced agent knows of other ways you can save just by asking a few questions that an online rater may not ask.

If you are getting quotes online, consider them to be a good general starting off point. They will give you an idea of if that carrier or company has a good fit for you. If you have a unique situation, such as a property in a flood zone, high brush area, the property needs some TLC,  or recent claims or traffic tickets, use the online system as a jumping off point, but call the agent and give them more detail.

So what do you thing about online quotes? Please take our survey here.

Friday, November 4, 2011

Disaster Planning Part 5: Emergency Planning Around the Home

Be it Earthquakes, Floods, Fires Hurricanes or Zombies, you need to be ready. Preparing for one prepares you for the others in a big way. 

We have talked about first aide kits, food and medication and home inventory. Now let me ask you this: Do you know how to get out of the house?

In a disaster you may have gas and water pipes as well as electrical wiring that has been damaged. Getting out of the house fast is going to be interesting to say the least.

That's why you need to plan escape routes in advance. The front door may not be accessible depending on how your home is laid out, what has happened, or whats in the way. Plan on maybe needing to go out a window or another door. Do you need to have a small step ladder handy? Do you need a ladder outside to get you safely to the ground? What about grandpa and grandma? The kids?

Plan it out in advance and rehearse. Have a family disaster drill night and make it a game.

Do you know how to turn off your electricity, gas meter and water meter? Have a wrench handy and check out your utility providers webs site or call them to learn how. Most of them are simple breaker switches and valves, but depending on where you live there could be a certain way you need to turn off the breakers.