Rainy Days Ahead! Time To Grab Your Umbrella...Policy!!!

"Rain, rain, go away. Come again some other day"

This was a verse I heard over and over and over and over again this past weekend. You see, I have a 4 year old daughter and a 2 year old son and these types of songs are sang ad nauseam! As the clouds settled over our neighborhood and started pouring; we were outside playing (working) in the yard. For adults, this is an obvious break period. For children, the fun only ramps up!

The kids dashed down the sidewalk, trying to dodge the rain drops. They found puddles forming and made sure to jump in. They did all the amazingly fun things kids do that remind us that we all need to tilt our perspectives at times and keep life playful.

Then, as the rain started to up-tick, my wonderful daughter ran up to me- completely soaked at this point- and asked for her yellow umbrella. Sure, this was frivolous, but her and her brother truly enjoyed playing in the driveway underneath the protection of the umbrella.

As a father, I will never outgrow this... I can never have enough of these wonderful moments. They are truly beautiful. As an insurance agent, these moments are a reminder of the good that can be accomplished from a little extra protection. In this instance, with the rain pouring down, with that yellow umbrella held above their little heads, they giggled, they sang, they kept doing the things that children do despite the weather.

An umbrella policy does this for adults! I personally carry one. It is dollar-for-dollar the cheapest liability coverage I have ever bought. This policy, like an actual umbrella, covers over my home and cars. If I was brave enough, it would cover over any other vehicles I had as well- like a boat, motorcycle, ATV, or RV.

Much like my children, I can feel confident with my umbrella that the negative consequences of a liability claim will be mitigated by this wonderfully inexpensive and broad policy. Granted, I don't purposefully put myself in bad situations in order to utilize this coverage, but I have the peace of mind that if something happened- if I was the cause of a tragic accident- I would have the shelter of my primary policies liability limits in addition to the extra liability limits afforded to me via my umbrella.

Don't let the rainy days of life ruin your livelihood. Protect yourself. Take all your normal and necessary precautions and add to those an umbrella policy. You never know when the storms will come and that is exactly what makes life so exciting and frustrating. Help put yourself in a position to keep singing in the rain, contact your Absolute Agent today at 515-279-2722 or go to www.insaia.com and send an email to your agent. We would love to help you.

Things Insurance Fans Love

As a Local Independent Agent, I often have the pleasure of discussing many facets of life with clients over the phone or in the office. Sometimes these jovial discussions remain just that: jovial and entertaining. However, other times, folks tell me things they don't necessarily care for about insurance. I understand many of these concerns, but when it comes down to the reality of what insurance actually does and how it responds when we are in our most desperate positions, I cannot help but to be a fan and advocate. Usually, upon reflection with the clients, we both end up feeling better about the situations.

Here are just a few items that insurance fans love:

• Risk Transference. This is the basic tenet of insurance. For a fee, we allow another entity to absorb our first dollars worth of liability. This is AWESOME! The insurance company gets behind us when we have momentary lapse of judgement and cause damage to another party up to our policy limits. Without this, our bank accounts, wages, homes, and retirements would all be subject to lawsuit that follows! Better yet, get yourself an umbrella policy and boost those limits even higher with broader ranges of coverage.
• Roadside Assistance. If you have ever broken down alongside the side of the road, then this is an awesome endorsement available via most companies auto policies (restrictions apply per company).
• Water Back-Up/Sump Pump Failure. This is another one of those special endorsements via the home insurance policy. What happens to your sump pump when the power goes out? You guessed it- it goes out as well. If you have a finished basement, these mild irritant just became a costly mess. However, if you this endorsement on the home insurance, it will pay to cover clean up and the cost to replace ruined building items and contents (subject to policy limit).
• Rental Car Reimbursement. You've just had the accident. Sure enough, you were at fault. You have great liability limits and the other party will be handled well through your carrier, but now your sole means of transportation will have to be in a shop for the next two weeks to get repaired. This is more than a mild annoyance. This is devastating! Thankfully you and your Absolute Agent added rental car reimbursement to the full coverage on your vehicle so that you can utilize a rental car while your vehicle is being repaired. Another day saved through a proper conversation with your Absolute Agent (limits apply to per day cost and coverage is only available if comprehensive and collision coverage is purchased on the vehicle).

These are but a few of the things insurance fans love. There are definitely more to review in detail and we will definitely touch on them in the future. Until then, contact your Absolute Agent today at 515-279-2722 for more information. www.insaia.com

What's Insurance Up To?

In a world where the only constant is change, it can be difficult to keep up on the little things (and big things) that affect us on a daily basis. Between our families, jobs, and pets; the essential daily grind of our lives; as we connect ourselves further and further into the macrocosm of society to free up our time to get involved in even more activities... as .... as... as... Full stop....

We are busy. The reasons for this are as varied as we are from person to person. Each of us has a particular skill set that make us valuable to, and within, society. However, for most folks, insurance is NOT that thing. But do not despair! There is hope! Like a shining beacon on a hill, there is hope for those lost in the dark landscape of insurance unknowns and that shining beacon on the hill is none other than YOUR ABSOLUTE INSURANCE AGENT! They have the knowledge and expertise to know what insurance is up to!

Contact your local, independent ABSOLUTE AGENT in order to help you weather the STORM of liability, deductible, and endorsement talk. They can help you through the confusing maze of insurance speak and set you on a path to smooth sailing. Call us today at 515-279-2722.