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There’s more to your homeowner policy than just coverage for the house you live in. It also provides coverage for other structures on your property. These may include all structures and buildings not sharing a foundation with your house. Most insurance policies provide 10 percent coverage for other structures. For example, if you insure your […]
Life insurance is too expensive. Life insurance can wait. Life insurance is a waste of money. Life insurance is …. Whatever follows this phrase has undoubtedly been uttered to a life insurance agent. However, each of these reasons AGAINST purchasing life insurance can also be a reason FOR purchasing life insurance. If paying for life insurance […]
Back-to-school time is a good time to review your insurance if you have a student headed back to college. Remember to talk to your Ayres Group insurance agent for advice to make sure your student’s car, electronics and other belongings are covered. Some coverage may extend from your own personal insurance policies, but individual circumstances can […]
Many families enjoy the convenience of renting a beach home or mountain cabin for a vacation getaway. But the last thing you want to think about while on vacation is being liable for damage to that rental home or to worry about your personal belongings. Most homeowner policies provide two important coverages to consider when […]
Owners who treasure their older houses are sometimes surprised by the high estimated cost to rebuild their homes, should they have a total loss. But a little history lesson may help explain why reconstruction costs on homes built prior to 1945 can be challenging. What happened in 1945 to make construction costs change so much? […]
After a lot of saving and planning, my sister and her family bought their dream home. Sadly, a storm damaged their roof, and she’s had difficulty resolving her claim. Her family did not purchase their insurance through an independent agent. I encouraged her to give her carrier the opportunity to see things through, but I […]
Looking for ways to save on your homeowner insurance premiums? Here are a few easy strategies that may lower your homeowner’s insurance premiums without reducing the amount of coverage. Increase your deductible A deductible is the portion of any covered loss that you pay before your policy provides payment. You can usually lower the cost […]
Employers can protect their workers and avoid costly fines by implementing workplace safety programs, and their insurers may be able to help. Insurance company loss control consultants can help implement safety programs, provide training and connect employers with resources to make their workplaces safer. Now is a good time to request this support, as employers […]
Insurance underwriters take into account a company’s past automobile loss experience when pricing automobile insurance. By reducing your company’s exposure to auto losses, you may be able to reduce your insurance costs. Three ways to control business auto costs are to review driver history; promote safety awareness and training; and maintain vehicles in good working […]
Health care organizations are under constant pressure in today’s world of evolving practices, procedures and laws. Managers deal with everything from the investment and allocation of corporate resources to administrative duties. The decisions they make affect everyone who has a relationship with the health care entity. It’s a huge responsibility. Every action has the potential […]
Ayres-Oak Insurance Services team of seasoned insurance professionals provides our greatest competitive advantage, with most having more than 20 years of experience.