Monthly Archives: February 2017

What Celebrities Insure

marilyn-monroe-woman-actress-pretty-53453When you think about what celebrities insure, you probably think about sports cars and mansions. But in reality, the insurance policies of the stars get much stranger than homes with extraordinarily high price tags. Some of these bizarre policies are purchased by the celebrities themselves to insure their most lucrative assets, while other policies are purchased by companies who profit from celebrity endorsements. Are you itching to hear about some of these insurance policies of the stars? Here are just a few that made us look twice.

  • David Beckham: This internationally recognized soccer player owns an insurance policy worth $195 million to protect his whole body from injury, illness and disfigurement. David Beckham is the highest paid soccer player in history between salary and endorsements, and this insurance policy protects him against the risk of no longer being able to play.cary-grant-rosalind-russell-ralph-bellamy-actor-53370
  • Mariah Carey: This pop star owns an insurance policy worth $1 billion to protect her legs. Mariah Carey bought this policy after signing an endorsement deal with Gillette and before heading off on a tour.
  • Jennifer Lopez: This singer/actress is well-known for her large derriere. Jennifer Lopez’s butt is so recognizably famous that she has it insured for $27 million.
  • Keith Richards: This rock star owns $1.6 million in coverage for his middle finger…just one finger! Guitarists don’t mess around with their ability to rock on.
  • Dolly Parton: This country singer has gone through great lengths to enhance her breasts, which she has insured for $3.8 million for the pair.
  • Heidi Klum: This supermodel started modeling for Epilady, after which Braun purchased a $1.6 million insurance policy on Heidi Klum’s legs. Even stranger, one of her legs is insured for $200,000 more than the other; the “cheaper” leg features a small scar.charlie-chaplin-actor-man-person-53408
  • America Ferrera: This actress captured Aquafresh’s attention with her pearly white teeth, causing the company to purchase a $10 million insurance policy on American Ferrera’s smile. However, this effort also helped raise money for a charity called Smiles for Success.
  • Troy Polamalu: This football player is known for his long, curly locks, for which Proctor & Gamble bought a $1 million insurance policy after Troy Polumalu signed an endorsement deal with Head and Shoulders shampoo. He hasn’t cut his hair in a whopping ten years!

Owning home, auto and life insurance may seem like a lot to you, but the popular multi-policy bundle is dwarfed when compared with the insurance policies of the stars.

Let us insure your stars.  Call Ameriagency at 615-209-9362.

We have seven offices to serve you in Tennessee.

AmeriAgency.com

 

Super Dogs Need Super Prep

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Are you bringing a dog or other domestic animal into your home as a pet? If you are planning on adding a member to your family, there are certain steps you should take to prepare your home for the new four-legged friend.

Install a “doggy door”
These are a must-have for pet owners, and can be used for cats that go outside, too! Most hardware stores sell easy-to-install pet-doors. Or, if you’d like to build and install your own, there are several different designs to choose from. However you install it, you’ll be glad you don’t have to worry about your new friend making a mess inside!

Install baby gates and other blockades around home
If, for example, you want to keep your dog or cat out of the kitchen (where dangerous “human foods” can be stolen), you may want to consider putting up a small baby gate to prevent your animals from going in. These can be put up in bedroom doorways, as well.

Purchase plenty of cleaning equipment
Even with a doggy door and baby gates, you’re still going to have messes. There’s no way around it!

3072390576_9d15f2df74Reorganize household items so valuables can’t be reached
Your pets, at times, are going to be bored. They are also, at times, going to run amuck inside your home. It’s best to move valuables items to “higher ground” while you train your new four-legged family member.

 

Prepare a place for the pet to sleep
Pets need their own place to feel safe and sound while they snuggle up for the night!

Spring into March

Spring into March March | 2017

Featured Story
Ridding Your Car of Winter Woes
As winter melts away, your car is freed from the damaging effects of the year’s harshest season. But winter’s icy grasp is known to leave cars in some form of disrepair, whether damages are superficial or more severe. Now is a great time to inspect the exterior of your vehicle and, if you spent a lot of time on treated roadways, you should also bring it to a mechanic for a more thorough once over. Learn More..


Mark Your Calendar

6: Oreo Cookie Day
12: Daylight Saving Time
14: Pi Day
17: St. Patrick’s Day
23: Chip & Dip Day
30: Pencil Day

Flooded Street
Prepare for Spring Storms: Evaluate Your Flood Coverage Now
Bike Riding in Spring
Spring Break Safety Tips for Your Family
Pi
Infographic: Pi Day
House with Garden of Flowers
10 Home Maintenance Tips for Spring
Car Driving in Spring
Spring Driving Tips
Severe Lightening Storm at Night
How to Prepare Your Business for Severe Wet Weather

Spring Cleaning For Your Insurance Policies
Cleaning ItemsSpring may be the traditional time of year for cleaning out closets and drawers and organizing attics, but it is also a great time to review of your insurance coverages, according to the Insurance Information Institute (I.I.I.). “Just as it is important to look at your wardrobe, electronics and other personal items to see what needs to be tossed, fixed, updated or stored for the coming months, everyone should do a thorough evaluation of their insurance coverage at least once a year,” says Jeanne M. Salvatore, the I.I.I.’s SVP and Chief Communications Officer. “So why not make a policy review part of your spring cleaning ritual?” Read more.

With smart home technology on the rise, there are many new things that can help homeowners secure & improve their homes.

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  1. Smart Smoke and Carbon Monoxide Detectors. With smart detectors, we can receive alerts to our phones should anything be awry while we are away. This keeps homeowners from having to enter the home to find out there’s an issue with the air safety.
  2. Doorbell Cameras. With Wi-Fi connections, you can set up a camera one way or two way to interact with people at your door. You can decide whether to physically come to the door based on the face you see outside your door and help avoid opening your door for a potential robbery.
  3. Keyless Entry. With key-less entry, you can unlock doors using your smartphone. If you have kids who lose their keys (or spouses) it’s a convenient way to get them into the home and safe. You can also let house guests into your home without providing them with a key.
  4. Automatic Lighting. With automatic lighting, you can set your lights to come on at given times, with varying levels of brightness. This helps you keep your home secure with increased visibility while you’re off the premises.
  5. Smart Water Shut-Off Valves. Using smart valves, you can set them to be shut off when a leak is detected and avoid flooding and damage.
  6. Smart Home Security Systems. With smart home security systems, you can receive alerts directly to your smart phone whenever your security is compromised.
  7. Smart Outlets and Plugs. The technology in these new plugs and outlets allow you to track the usage in outlets and turn off power if you detect drains or dangerous usage.
  8. Smart Thermostats. Using these thermostats, you can regulate your home’s temperature from home, saving you on your energy bill, and still allowing you to keep a comfortable temperature whenever you’re home. They can also learn and anticipate the patterns and changes you’ll make.
  9. Mold Sensors. Mold sensors can monitor the moisture and mold situation in your home and alert you immediately should mold be present to protect your home from damage as well as the health of your family.
  10. Smart Blinds. You can set them to a specific schedule or control whether they’re open or closed via your phone. Keeping your blinds closed while you’re out of the home helps prevent thieves from seeing in and being tempted to enter and take what doesn’t belong to them.

baird@ameriagency.com

www.ameriagency.com

 

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Kickstart your Fitness Goals – An AmeriAgency Health Update

 

The winter cold makes it easy to stay indoors and take naps amid a mountain of blankets. But as the spring sun thaws out the chill, it’s time to kickstart your fitness goals. The gym can grow tiresome, but heading outdoors for some exercise can reinvigorate your workouts. Whether you’re training for a neighborhood sports league or you simply want to create a bathing suit-ready body, these five outdoor activities will whip you back into shape!

  • Walking and/or Running Walking is a great exercise to kickstart your springtime fitness because you can build on it as your cardiovascular strength improves. Start with a brisk 20 to 30 minute walk three times per week. You can even multitask by taking your dog with you or making a necessary phone call along the way. As your endurance builds, you can add time to your walks or increase your number of walks per week. Once your body adjusts to frequent, lengthy walks, add in one-minute intervals of jogging for every few minutes of walking. More advanced runners can also participate in this routine by substituting walking for jogging and jogging for running.
  • Stair Climbing Stair climbing is a very intense exercise that helps your body burn fat and build muscle, primarily in your legs. You may have used a stair climbing machine at the gym, but, when exercising outdoors, it’s best to find either a building with a very tall staircase or a building with several flights of stairs. Start by walking up and down several times. Once that becomes comfortable, try walking up one flight, jogging up the next and so on in intervals. For the most impact, try skipping steps during your workout. For every 30 minutes of stair climbing, you can burn up to 400 calories.
  • Hiking Though similar to walking, hiking involves obstacles and inclines as you go. This is beneficial because it works different muscle groups than plain walking on a level surface such as a sidewalk. For the best results, select a path that offers a variety of terrain to get a whole-body workout. Bring a friend or your spouse for an afternoon of activity and the beautiful, scenic views of the outdoors.
  • Errands Most people don’t think of errands as exercise, but all that walking around and lugging bags of purchases to the car can burn many calories if you plan well. To pack the biggest punch, plan to visit a cluster of stores in the same area and follow this rule: park once, walks lots. Park in a central location and walk to each store within the strip center or mall rather than driving a few hundred feet and parking again. Bonus points if you haul your goodies back to the car in between each store. This is a great way to get stuff done while sneaking in some exercise simultaneously.
  • Biking Riding a bicycle, even leisurely, can burn up to 355 calories per hour. Make the activity more exciting by planning a route through a new part of town that you’ve been wanting to check out, a local park or another interesting area. If you live close to work or a friend’s house, ride your bike instead of driving. Any chance you get to pedal instead of hit the gas is a chance to improve your fitness.

How do you get active outside the walls of the gym?

 

Use the above tips to improve your physical health.  Call AmeriAgency for real local agents to improve financail health by protect your assets at 615-209-9362.  Seven offices in Tennessee to serve you.

baird@ameriagency.com

www.ameriagency.com

Motorcycle Safety -Important Pieces of Clothing

motorcycles with safety gear

Versus

no helmet

Many motorcyclists understand the safety measures to take when hitting the road for a ride, but did you know that by ensuring proper rider attire you can help protect yourself from serious harm? Here are some important pieces of clothing that you should consider adding to your safety checklist.

Leather Material
Though commonly misunderstood as a fashion statement, leather apparel is actually made of soft and thick material that is developed to keep from grabbing like other fabrics. Additionally, leather slides and protects the skin from scrapes.

Gloves
By wearing gloves during rides, you can help protect your hands from the elements as well as if you need to use them to brace for a fall.

Body Armor
Impact-resistant foam protective gear worn under clothing can help further cushion your body’s impact in an accident.

Helmet
Wearing a helmet shouldn’t be a big surprise when talking about motorcycle safety. However, since almost half of motorcycle-related fatalities happened when riders weren’t wearing one, it’s important to address proper helmet wear. Be sure to wear your helmet at all times – even when simply riding down the street. Make sure that your helmet meets the Department of Transportation safety standards, fits appropriately, and has a face shield in order to ensure that it will protect your head and face

Footwear
Protective motorcycle boots are specifically designed to help give you traction, protect against the elements, and even reinforce your ankles and soles.

Your safety is important to us. If you have any questions or wish to review your current motorcycle insurance plan, please give us a call today at 615-209-9362.

www.ameriagency.com

baird@ameriagency.com

 

 

Protecting Teenage Drivers & Their Parents

 


Click play above for more information on teen drivers

Protecting Teenage Drivers & Their Parents
Teenagers are four times more likely to be involved in a fatal car crash than adults. Learn how new laws are helping to keep teenagers safer on the road.

Do I Have to Add My Driving Age Child to My Auto Policy? 

If your child is licensed and living at home you usually must add the child as a driver on your policy or exclude your child from your policy.  Some insurance companies do not allow the excluding of drivers.  If a driver is excluded they have no coverage until the policy.  If an excluded driver drives it is very dangerous to owner of the vehicle and to the driver.  Ask your agent for advice.

When you are raising a teen who has finally received their driver’s license, you’ve got some important decisions to make about car insurance. If your teen is going to drive, then he needs to be covered by a policy—but should it be your policy or one of his own?

Coverage on Your Policy – It is usually less expensive to add a teen driver to the parent’s policy rather than initiating an individual policy for the new driver.  And its is usually the safest option too.    Talk to your agent and get the rates for adding your new teen driver so you have somewhere to start.  Usually the best and safest choice.

Buying the Teen Her Own Policy – If your teen has her own car and drives frequently, then it might be ok to separate her risk from your own by having them get their own policy. The cost of the policy may be more expensive, but factors such as grades or completion of a formalized driving education program could work to lessen the cost. Talk to your agent again about this possibility and ask for the rates so you can compare. Keep in mind that just because your child has their own policy does not mean you are not responsible for damages that exceed the policy limits. If there is an insurable incident and the damage to the other person’s vehicle is greater than the limits on the policy someone is still responsible for the damage. This usually depends on the laws of the state where you live.  Ask your agent or family attorney for state specific advice.

Other Factors in Cost – In addition to looking for discounts for good grades and driving lessons, parents should look for other discounts when insuring their teen, either on a joint policy or individual one. Other discounts can be found with daytime running lamps, cell phone apps, antitheft devices and more.

It is important that cost not be the only consideration when choosing benefits, deductibles and limits. While low benefits and high deductibles will decrease your insurance premiums, they greatly increase your financial risk should an accident occur; and with an inexperienced teen at the wheel, the chances of an accident occurring increase substantially.

How to Protect Your Jewelry

wedding ring

Jewelry collections are often very personal. We pass down heirloom jewelry, and hold onto jewelry that is given to us by that special person in our lives. The value is much greater than the actual value of the jewelry. So, while you may carry plenty of insurance to cover the loss of your items, you still really don’t want to lose a single piece. Here are some security protocols you can put in place to keep your jewelry where it belongs: with you.

  1. Find the right safe. All safes are not equal. You want to make sure that you’ve selected a safe that deters criminals, as well as keeps out the more determined thieves.  Weight is the biggest factor in overall security of the safe. You want a heavy safe (750 lbs to 1000 lbs) with a thick steel door and a reputable security ranking.
  2. Make sure all maintenance is done by a professional. If you find you’ve caused even minor damage to a piece, take it in for repair at a reputable establishment. Maintenance should also be done regularly to keep your items in tip top shape.
  3. Thoroughly vet employees. You may not think much of it, but employees in your home gain knowledge of security cameras, codes and safety protocols. That information can be damaging to the security of your home as a whole.
  4. Maintain Security Standards While Traveling. If you’re traveling with high value jewelry, you should consider hiring security to protect you and your items. You should also hold all hotels you stay in to the same security standards as you keep at home. If you have doubts about the hotel room safe, request your items to be placed in the hotel safe.
  5. Insure Your Jewelry. You don’t want to lose your jewelry, but if you do, you want to make sure that you will be able to recoup the loss. With a collection worth over $5,000, you may need an inland marine policy also called a personal articles floater to cover your items. Make sure to speak with your agent about protecting your assets wherever you go.  Call AmeriAgency at 615-209-9362 to get a quote.

Auto insurers hike premiums to cope with increasing costs by Allie Sanchez 17 Feb 2017

 
Auto insurers hike premiums to cope with increasing costs
Years of higher than expected claims are taking their toll on US auto insurers and they are trying to make up for lost time.

Major insurer Travelers announced in January that it is hiking rates, following in the footsteps of Allstate and Geico . Now, a Bloomberg report has estimated that for every dollar in premiums paid to car insurers, they shell out $1.05 in payouts, which means that they have been operating at a loss for quite some time.

Furthermore, the report said that there is increased risk on the roads as distracted driving becomes more prevalent with the ubiquitous use of smartphones.

In addition, cars are also deemed more expensive to repair. The bells and whistles manufacturers put into units to aid autonomous driving are costing a pretty penny.

Derek Ross, president of Kulchin Ross Insurance services, said in the report: “Where a normal repair 10 or 15 years ago from an accident cost $1,500, now that same bumper  with all the technology is $3,500. The insurance companies are absorbing those real dollar claims while trying to figure out how much of this automation and technology is working to their benefit. ”

Classic & Collector Cars

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If you own a specialty car, you’re already aware of how different it is from an ordinary automobile. Your vehicle is a substantial investment that requires special attention from maintenance to storage to insurance coverage. It is important to know the difference between standard auto insurance and specialty auto insurance to make sure your prized vehicle is protected properly.

Here are some frequently asked questions that may help you decide if specialty auto insurance is right for you.

What is collectible car insurance?
Classic car insurance provides coverage for your collectible vehicle based on the agreed-upon value of the car. This means that, unlike standard auto insurance policies that are rooted in cash value and depreciation, your policy will cover to the vehicle’s worth. You can also appraise your car and review your policy yearly to make sure your coverage is appropriate.

Can I just use my standard auto insurance policy?
Your collectible car is beyond ordinary and your insurance coverage should be, too. Unlike standard automobiles, your collectible won’t be driven frequently. This means instead of depreciating in value, your vehicle’s worth may actually appreciate over time. You need an insurance policy that will cover the investment you’ve made now and be able to adjust later. Otherwise, you risk losing money in the event of an accident.

What does collectible car insurance cover?
Policy coverages vary by insurance company, but standard collectible car insurance liability, collision, uninsured motorist, medical payments, and personal injury protection coverages.

What types of cars are insured?
There are several different types of classic cars that necessitate collectible car insurance coverage. Insurance providers vary, but typically cover antique, classic, exotic, and luxury vehicles.  

How much does specialty automobile coverage cost?
Classic car insurance policies vary in price based on vehicle type and desired coverage. Since limited mileage and drive time are requirements for specialty auto insurance, the premiums for these types of policies are generally lower than standard auto insurance.  Work with a trusted insurance professional to develop the right insurance policy to match your needs and budget. 

You’ve got the car, now get the coverage. Call us today at 615-209-9362