Hope you all enjoyed the holidays. We had a great December, but I’m ready to start the new year! Traditionally folks have a new years resolution. Our team started our resolution early this year to get a jump start! Starting 12/1/17 we have committed to our health! We are not only watching what we eat, but making sure we make more time for exercise. We’re already feeling better and look forward to what the new year brings! On a professional level, we have the same goal as last year…to provide you with an excellent experience and making sure you and your loved ones are protected! Our team works hard to achieve this goal by continuing our education in various classes, seminars and through networking with our partners.
If you made a resolution for 2018, I wish you all the luck and hope everyone has a great 2018! Be sure to live in the moment and enjoy the little things!
Jeff Van Matre
Why a Home Inventory Is Important
Let’s try a little exercise: Can you list everything you own from memory? Didn’t think so.
The fact is most people own more things than they realize. It’s easy to remember the cars, the computer, the TV. But what about that holiday china in the garage? Or every pair of shoes?
All of it is regarded as personal property for insurance purposes. And if your home is destroyed by fire or some other disaster, having a list of your possessions makes filing a claim easier — and helps you put your life back together.
Why should I complete a home inventory? What’s the best way?
Comparing the value of your belongings to the “contents” limit listed in your policy helps you make sure you have enough insurance to replace them if they are lost, stolen or destroyed as a result of a covered loss. The easiest way to take an inventory is to use a video camera, recording and describing items as you walk through your house. Or, you can use a regular camera and create a home inventory checklist.
Here are a few tips for completing and storing your inventory:
- Add brand names and descriptions where you can, especially on large-ticket items. Serial numbers are helpful to note.
- Keep any receipts you have with the list to make the claims process easier.
- Store your video or photo inventory offsite so you won’t lose it if your house is damaged.
- Update your personal property records when you purchase new furnishings and valuables.
- Though the task may seem daunting, it’s important to try. An incomplete inventory is better than nothing at all.
We can assist you in analyzing your insurance needs and help you decide how to most effectively protect your personal property. You should consider full-value coverage, which will pay for the replacement value of your personal belongings. A standard policy typically covers personal property only up to its actual cash value, determined by taking the replacement cost and deducting depreciation, which can be substantial. (For example, a 5-year-old TV is usually worth much less than what it would cost to purchase a new one.)
Finally, remember your homeowners policy covers valuable items such as jewelry, furs, art and antiques, only up to set dollar amounts. If the cost of replacing them exceeds these limits, you
may want to purchase scheduled personal property coverage. The Insurance Information Institute has a FREE online tool that can help you create your inventory. Just visit www.knowyourstuff.org for more details. We hope you’ll never need the home inventory, but preparing for the worst can prevent a lot of hassle later!
December was a great month to give back to the community. Our team adopted a 6 year old boy from the Salvation Army Angel Tree at Willowbend Mall. We like to do this each year as a team building event. We hope our little guy had a great Christmas!
We also collected new and newly cleaned coats in December for Metrocrest Services. Thank you to our friends and clients for participating in our coat drive. Everyone needs a warm coat this time of year!
Carrollton Animal Services Supply Drive
Thank you to everyone for your generous donations for Carrollton Animal Services! We were able to deliver a lot of items to the shelter to help support their efforts!
Our Referral Program
Refer us to your friends, family and colleagues. When they call us for a quote, we’ll send you a $10 gift card and enter you into a quarterly drawing for $150 as well as an annual drawing for $500! We also donate $5 for every referral to our charity of the quarter! We are excited to kick off 2018 supporting Lions Sight & Tissue Foundation. They have been serving the citizens in the Dallas are since 1956. They started out as an eye bank dedicated to cataract surgery and cornea transplantation and now it’s a resource to receive eyeglasses and medical assistance for vision issues. The impact of this service on the lives of children and adults is profound and we are quite impressed with their service in our community.
Did you refer anyone to our agency in the 4th quarter of 2017? If so, be sure to join us on Facebook for our quarterly drawing… $150 cash ! Drawing will take place on Friday 1/05 at 10:30 AM. Did you refer anyone to our agency in 2017? If so, be sure to join us on our Facebook for our annual drawing… $500 cash ! Drawing will take place on Thursday 1/11 at 2:00 PM.