Our homes have many dangers that may not seem obvious to adults, but to babies and toddlers, these hidden dangers can pose a serious risk.
Content tagged with "personal insurance"
A dirty chimney due to creosote buildup may be the last thing you're thinking about when warming up next to your fire.
Winter is nearly here and you have taken your summer vehicles off the road, there are a few things you should be aware of regarding your auto insurance.
Ansay & Associates has been honored with a prestigious Expertise.com award, signifying recognition for being one of the Top Car Insurance Agencies in Appleton for 2021.
We’ve put together a quick piece on how you can stay safe while you enjoy the summer with vehicles you can add to your personal insurance portfolio.
At the time of loss, the insurance company will not be buying your home but rebuilding it.
A Personal Umbrella policy is a policy that extends/increases the liability coverage provided by your auto, homeowners (or renters), motorcycle, recreational vehicle, and boat-owners insurance policies.
This is a personal choice and unless you have a vehicle with a loan or is leased, you will need to determine the value of your vehicle
The insurance industry reports that dog bite claims are on the rise nationwide (more than 45% in the past decade).
In the State of Wisconsin a rated driver that resides as a member of your household and has access to your auto, cannot be excluded from your auto policy.
Depends. There are many variables that need to be discussed with your agent before an answer can be given.
If you or a passenger would be injured by an uninsured or underinsured motorist (UM/UIM), your auto policy UM/UIM limits would help pay the expenses for your injuries.
You do not need to live in a flood zone to buy a Flood Insurance policy. Flood coverage is excluded by all carriers on your homeowners’ policy.
Read more on what you need to know about travel insurance.
While boat insurance is not required in every state, it is a good idea to have coverage in case of an accident or other covered incident.
Boat insurance policies vary, but most will cover damages to your boat, personal belongings on board, and medical expenses if someone is injured while on your boat. It can also protect you for damages you may cause to others should you be in an accident.
The cost of boat insurance depends on a number of factors, including the type of boat you have, where you keep it, and how often you use it.
There are a few things you can do to get the best rate on boat insurance, including shopping around and comparing quotes from different insurers, having a good credit rating, and being a safe boat owner.
If you have an accident, the first thing you should do is contact your insurance company to report the incident. You will then need to provide documentation, such as a police report or accident report, to your insurer.
Learn more about renters insurance and why all renters should have coverage/
Typically RV insurance costs between $1,000 and $2,000, but there are a variety of factors that can affect your price. Consulting with a professional advisor is the only way to get an exact quote.
That depends. Full coverage RV insurance covers water damage if the water damage is the result of a qualifying incident, but other coverages will not cover the damage.
RV insurance is like a combination of auto and liability insurance – things like collisions, uninsured motorist, and property damage are usually included in RV insurance.
In many cases, yes, RV insurance will cover damage to awnings. However, coverage will vary depending on the RV insurance policy you have in place.
This will depend on the type of coverage you have. Travel trailers are not motorized and may require additional coverage under your RV insurance.
Specialty insurances provide insurance coverage for unique items or regular items from unique events (earthquakes, floods, or terrorist attacks). This could be abstract, like your identity, or real like a hobby farm.
A specialty insurance plan falls outside of standard insurance policies such as home, auto, life, or health insurance. This coverage protects unique items, as well as protects people, property, and assets from rare occurrences.
The cost of motorcycle insurance varies significantly and can range from $25 - $200 per month depending on the state you live in, additional coverage options, and your insurability.
Yes. Even if your state does not require motorcycle insurance, the cost of not being insured and getting in a single accident can be a heavy toll.
The short answer is, yes. But this will require more paperwork and more hoops for you to jump through before you can get a motorcycle insurance quote.
If you have a comprehensive plan, theft is often covered. However, basic motorcycle insurance will not cover theft.
You can cancel your policy at any time. There are no special plans for part-time bikers, but this is something to take into account when selecting your plan.
Term life insurance is a low-cost way to have the protection of a death benefit in the event of an untimely death. These policies have larger death benefits, no cash accrual, and expire at the end of their term or upon death of the insured – whichever comes first.
A term life insurance policy leverages a premium payment, turning it into a death benefit for a set amount of time (10 – 30 years).
Term life insurance provides a death benefit if the insured dies within the set term vs. whole life insurance, which accrues cash value during the life of the policy and (as long as premium payments or cash value are maintained) is in place until the death of the insured – no matter when that might be.
The amount of coverage you need from term life insurance depends on a variety of factors. You will want to start by considering the income you may need to replace for your dependents and debt obligations that would remain in the event of your death.
Term life insurance is one of the most cost-effective ways to protect your family from the financial challenges of a premature death.
Permanent life insurance leverages a premium payment to provide a death benefit payable to beneficiaries tax free and without having to go through probate no matter how long you live to. These vehicles also accrue cash value that can be accessed during your lifetime.
Permanent life insurance works by leveraging your premium payments to a death benefit amount that would be larger than if you simply saved. This death benefit is then paid out, after a death certificate is presented to the insurance company, without going through probate and tax free.
This depends on what you need your life insurance to do. Suitability for permanent life insurance can be determined with the help of an agent from Ansay & Associates.
Permanent life insurance rates depend on a variety of factors: the strength of the insurance company, your overall health, and your age will play a factor in determining cost.
Again, life insurance can be an important piece in your financial picture, but what role that plays will largely depend on suitability to your financial goals and risk tolerance. Trusting the right advisor to lend a helping hand will ensure you get a unique permanent life insurance plan at a competitive rate.
Rates vary from state to state, but the national average is about $625 per year for a top-end condo insurance policy.
Condo insurance coverage needs will depend on your unique situation. Many condo insurance policies offer $300,000 in liability with $1,000 deductible and vary on personal property coverage depending on what you want to protect.
Typically, townhouses require homeowner’s or renter’s insurance, but there may be situations where your townhouse is part of a co-op and might qualify for condo insurance.
No, homeowners insurance is not required. Condos entail a unique form of insurance because the condo association does provide some protection. When more comprehensive coverage is needed, you will want to explore condo insurance.
Condo insurance coverage typically includes protection from damages caused by fire, smoke, vandalism, most weather damage, and frozen pipes. Condo insurance also covers loss due to theft and liability in the event that someone is injured in your condo.
Renters insurance cost can vary depending on a variety of factors, such as the neighborhood you are renting in, your home or apartment’s security, and if you have had any previous incidents. Speak with an Ansay & Associates specialist to find the policy that meets your needs at the right price.
Renters insurance covers a variety of problems, such as theft/burglary, damage caused by many natural disasters (individual policies will vary on what qualifies) and damage as the result of structural failures. This might include replacing a specific object that was damaged or stolen, or might include hotel fees while your apartment is under repairs from an electrical fire.
Renters insurance will often cover theft. Always check your specific policy as certain items may require personal property protection coverage.
How much renters insurance you need will depend on several factors, the first is what you need to protect and the second is often how much are you willing/able to pay.
This depends, water damage caused by a burst pipe should be covered in most renters insurance policies, but floods require their own separate policy or bundle package to ensure adequate protection.
Do you think that it is possible to get sued for a million dollars? The answer is "Yes"! At Ansay & Associates, we want to make sure that you are knowledgeable about your Individual Insurance policy and that you are correctly covered. Watch this video to see if you need an Umbrella Policy.