Hope that everyone is finding ways to stay cool in the summer heat, with no end in sight! It’s a great time to head to the water.
My family took an impromptu vacation with Angie’s brother, his children and his fiancée. We took a road trip to Orange Beach, AL. We had so much fun on the beach. The kids collected seashells, clams and built sandcastles. Some of us went on a deep sea fishing excursion and I caught a 28 lb red snapper! That’s not a fish tale…it’s the truth! It’s a really great, family-friendly vacation spot. We were so impressed that we’ve decided to make it an annual tradition!
Max and his fiancée took a trip to New Orleans for a long weekend where they enjoyed some historical sites and of course Bourbon Street! They also went to the Guadalupe River with some of their friends to beat the heat!
Hope that you are enjoying vacations or stay-cations this Summer. We all need a little R&R to rejuvenate ourselves.
All the Best,
Jeff Van Matre
Our team is participating in the upcoming PurpleStride on November 10th at Klyde Warren Park. We are walking for Angie’s Aunt Rosie. She’s was diagnosed with pancreatic cancer in 2011 and you’d never know it! She’s such a positive light and we are so proud of her. If you’d like to join our team or make a donation, we’d be most appreciative!
Our second quarter referral program benefitting My Possibilities has come to a close. Thanks to all of the referrals we’ve received, we were able to drop off a donation and tour their new campus in Plano, TX. Partnering with this organization has been so much fun and so rewarding. We look forward to continuing the relationship and getting more involved in the future!
Each referral source had their name in the fish bowl for our quarterly drawing for $150. Congratulations to the winner, Paul! Paul (and all 2018 referral sources) will be eligible for our annual drawing for $500 cash!
Referrals are the best compliments and we appreciate each and every one of you!
We are honored that you have chosen us for your insurance needs!
Monthly Facebook Giveaway!!!
Have you joined our agency on Facebook yet? Each month we have a giveaway (sometimes more than one) on our agency page.
In July, we asked our friends to share their favorite vacation photo to be entered into a drawing for a $20 Amazon Gift Card.
Congratulations to our winner, Roger V! His photo is shown below from a hike in San Bernardino Mountains with friends and family.
College is expensive enough without finding out too late that an accident or theft isn’t covered under your current policies. So, as you get your children ready to head off to school in the fall, there’s one vital “to-do” to add to your list (other than writing that tuition check): a review of your insurance coverage.
It’s important to keep in mind that policy language varies from state to state, and there are never “one-size-fits-all” situations, but below is a general guide. If you have questions, or want to go over your insurance needs, don’t hesitate to contact us!
HOMEOWNERS (may vary by state and individual policy)
Coverage of personal property: Most homeowners policies provide 10 percent of Coverage C (Personal Property) for property owned by an insured that is at a residence other than the insured’s. For example, if the contents of a policyholder’s home are insured for $100,000, a student’s property up to $10,000 would be covered if living in a dormitory – provided the damage is caused by a covered peril and the student meets the definition of an insured.
For apartments or houses off-campus, the same coverage generally applies. Certain items, such as jewelry or expensive electronics, may require special coverage, or a “rider.” Renters insurance is strongly recommended if a particular policy does not cover a student’s personal property.
Liability coverage: There usually is an exclusion for damage to property rented to an insured, so generally damage to a dorm room or apartment would not be covered.
Ensuring adequate coverage: Contact us to get specific answers and information about your coverages. Also, it’s a great idea to create an inventory of the items your student is taking to school, as is keeping photos of and receipts for the items.
Renters insurance: If your student’s needs can’t be met under your current policy, don’t forget renters insurance. Landlords’ policies generally only cover the structure, not the possessions of renters.
AUTO (may vary by state)
Coverage without a car at school: If your student will continue to drive while at home on school breaks, they should continue to be listed on your auto policy. If they are attending school more than 100 miles from home, and are not taking a vehicle with them, the policy may qualify for a distant-student discount.
Coverage with a car at school: In most instances, a car registered to parents and listed on their policy will be covered if used by a listed student away at school. But you should make sure that your insurance carrier writes coverage in the college’s state and location. And note that a change to the principal location of the vehicle could result in a change in premium.
Driving a friend’s car at school: Students generally would be covered while driving a friend’s car if the students are listed on their parents’ policy and do not have regular use of the vehicle. The coverage would likely be secondary in this case, as the carrier for the friend’s vehicle likely would be the primary coverage.
Coverage discounts: In addition to the possible distant-student discount mentioned above, students may qualify for a good-student discount. To qualify, most insurance carriers require that a student must be enrolled in at least four courses per term as a full-time student at an accredited college or university and meet certain academic qualifications. Also, drivers under the age of 21 who complete a driver education course may be eligible for a policy discount.
Going away to school is an exciting time for both students and their parents. Making sure you’ve got the right insurance coverage can help you protect your assets as you invest in your child’s future. We’re happy to discuss your coverage and options — just give us a call or stop by!
Our Referral Program
Refer us to your friends, family and colleagues.
Tell them to mention your name when they call for a NO OBLIGATION quote.
We’ll send you a $10 Amazon Gift Card!
You’ll be entered into a quarterly drawing for $150 cash and an annual drawing for $500 cash!
We will donate $5 per referral to our charity of the quarter, Metrocrest Services!