Insurance for the Summer

Insurance for the Summer

As the temperature begins to rise more people are starting to dust off their motorcycles, boats, jet skis and much more. But before you start to take your favorite summer toys out of storage, have you reviewed or renewed your insurance policies?

There are a few people who cancel their insurance policies for their summer vehicles during storage because they see a way to “save” money. In reality, this could cost you more money. Having a large gap in-between your policies can place you in the high-risk category which could lead to a higher premium down the road. Having a year-round policy does keep your items protect against theft, fire or other potential damage from weather-related storms.

There are other ways to save money on your summer recreational toys without having to cancel your policy during the winter months.

  • Talk to your agent- if you bundle your seasonal vehicles with your current car insurance you might qualify for additional discounts.
  • Increase your deductible – you could reduce your insurance premium by raising your deductible.
  • Install an anti-theft device – some carriers offer discounts if you add an anti-theft device to your seasonal vehicle.

Before you take your summer vehicles out on the road or water, review your policy to understand your coverage. If you are unhappy or not 100 percent clear on it, give your agent a call. If they don’t explain your policy to you, then change agent. Your agent should help you find the best plan that fits your budget and needs as much as possible.

If you have any questions give us a call at (405) 602-1554.

What is Disability Insurance?

Missing work because of an injury is never fun, especially if you have bills to pay. If your injury was work related, then your worker’s compensation most likely took care of your bills. But what would happen if your injury wasn’t work-related?  Or if you had to miss months of work?

That is where disability insurance steps in.

Private disability insurance protects the income you are missing while you can’t work. This will allow policy owners to continue to live their day to day lives without having to worry so much about money. Their income is protected, and they can focus on their health.

Disability insurance policies cover the cost of missing work due to illness, injury, or pregnancy. More than one in four 20-year-olds can expect to miss work for at least a year due to a disability before they reach retirement age. That can include missing a month’s worth of work because you were one of the unlucky ones who caught the flu. It can also include being in a car wreck that forces you to be bed rest for weeks. And your policy can also give you income protection if you have a high alert pregnancy and are forced to stay home. Depression and anxiety are the number one mental health issues that cause people to miss work. Don’t add stress your health because your policy can also cover your mental health.

Suffering from a form of disability can happen to you.

So, what are you waiting for?

Give us a call to learn how to protect your income with disability insurance.

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