Monthly Archives: June 2017

Why Bundle Your Policies?

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Do you have a gap?

Insurance policies don’t automatically cover everything and can leave you with dangerous coverage gaps. When you get your insurance with AmeriAgency you can feel confident that you’ve got the best insurance for you and your family. We work for you, not an insurance company.  By looking at all of your policies we can help identify gaps in coverage and offer solutions.

You’ve trusted us to cover either your auto insurance, and we hope you’ll trust us to cover your home insurance as well. We can offer multi-policy discounts as well as review your current policies to make sure you’re receiving all applicable discounts you qualify for.

We ask the right questions to get you the best policy to fit your coverage needs as well as your budget.  In addition to better coverage advice, bundling saves you money.

Give AmeriAgency a call at 615-209-9362 or visit us online at AmeriAgency.com if we can help you with your home, auto, boat or business  insurance needs.

10 Ways to Save Energy While Enjoying Air Conditioning

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As we venture forward into the summer months, no doubt you’re familiar with the ambient noise of your air conditioner running constantly to keep you and your home cool. During this time, you’re probably anticipating a spike in your electric bill, and you want to know how you can moderate the cost without sacrificing your home temperature.

The question is: are there other ways to lower the costs involved with cooling your home by using air-conditioning? Surprisingly, there are several simple things you can do to minimize your electric bill without ever sacrificing your air conditioning.

  1. Minimize Phantom Loads

What is a phantom load? A Phantom load is an appliance or electronic device that consumes energy when it is actually turned off. Phantom loads lurk everywhere in your home and you never think about them because it’s not obvious to you that the toaster, the television, and even your phone charger are sucking electricity that you are being charged for every month— even though they are turned “off” or not in use.

Many appliances and gadgets are actually designed this way because they utilize continuous displays and standby – or resting – states. And when you are looking for rooms in your house that harbor these phantom loads, don’t forget the kitchen and your living room. Rooms with TVs and cables can cost you upwards of $50 to $100 a year. And with the amount of technology in modern homes increasing, some anticipate that excess phantom loads are costing $200.00 or more annually.

However, there are ways you can easily stop the worst offenders in your home. By using a Kill-a-Watt meter, you can test each appliance and see how much power each appliance is using. Lastly, plugging your electronics or appliances into a power strip also help minimize phantom loads, as well since it has a very deliberate off-switch.

  1. Use More Energy Efficient Appliances

If you are looking for new appliances, be sure that the appliance has the Environmental Protection Agency’s Energy Star Label before making a purchase. Products that carry this designation use between 10% to 50% less energy than their conventional counterparts. Energy Star appliances generally cost slightly more than other products but the energy savings that you will reap will more than make up for the extra cost of the product.

  1. Change Out Your Light Bulbs

One of the most energy efficient and least expensive ways to cut the cost of your electric bill is by replacing your regular incandescent light bulbs with an Energy Star compact fluorescent light bulb, or a CFL light bulb. They only cost a few bucks but they will save you over $30 over each bulb’s lifetime. In addition, each bulb uses 75% less energy than a conventional bulb.

That said, there has been some hesitancy among the public because the bulbs contain mercury, but Energy Star says that they do not release any mercury when used properly and generally last 10 times longer than a regular incandescent bulb. According to studies, each qualified compact fluorescent light bulb you install will pay for itself in six months and save you over $30 during its operational lifetime.

  1. Install A Programmable Thermostat

Programmable thermostats are all the rage today. With them, you can easily adjust your home’s temperature according to your schedule and your needs. As an example, you can start off the day at 7 a.m. by setting the thermostat to 76º. When you leave for work at 9 a.m., you can have the temperature adjust 80º as you leave home. When you leave work and arrive home at 6 p.m. you can have the temperature set to a comfortable 78º.

The variations are limitless, but the bottom line is that by using a program for your thermostat you will save money on your electricity usage. Think of the possibilities — you can have one program for work weeks, another program for vacations or trips, and even programs for the weekend if you want. Entek offers several Wi-Fi programmable thermostats that can be viewed and managed from your smart phone. The choices are endless.

  1. Use Fans for Additional Cooling

During the summer months, use a stationary fan ­— or if you are lucky enough to have a fixed ceiling fan, use them in the early evening or day to help cool your house and your family. You will be surprised at how effective these types of fans are. The use of either kind of fan can significantly lower the cost of running an air conditioner. This can reduce your cooling costs by 7% to 10%.

  1. Seal All Air Leaks

Despite tighter homes and increased energy code requirements in new construction, many homes are leaking valuable air conditioning and heating in many ways.

Recent reports cited by the US Department of Energy found the single most effective means of conserving home energy for many homeowners is air duct sealing. The average home in the U.S. loses about 25 to 40 percent of heated or cooled air through leaks found throughout a home’s air duct system. Even newly built homes are, more often than not, plagued by leaky air ducts. These leaks divert heated and cooled air from their intended destination, reducing efficiency and thereby increasing your monthly utility bill.

  1. Make Your Windows More Efficient

Generally, window glass is very thin and many builders only use one pane of glass. While this is barely sufficient, it is much better and more efficient to have double and even triple pane storm windows. Although replacing all the widows in a home can be expensive and time consuming, these kinds of windows dramatically lower your heating and cooling bills because between each pane of glass is an insulating barrier of air that keeps the hot and cold air out of your house and self-regulates the house temperature.

  1. Improve Your Insulation

Since the majority of your home’s energy goes towards heating and cooling, it seems obvious that one of the things you should do is improve the insulation of your home. You can do this one of two ways: either use regular fiberglass batting or the newer spray foam insulation. It is recommended that you should call an insulation specialist to get some ideas on how to accomplish the best insulation upgrade for your home.

  1. Setting The AC Temperature Higher at Night

No matter what part of the world you live in, when it’s night, the temperature drops. As a result, you don’t need your AC on as low of a temperature as you would during the day since your home is already cooling. So don’t be wary of raising the temperature of your air conditioner as it will lower your overall bill due to less AC use.

  1. Service Your AC Unit Regularly

Basic maintenance is all you really need to keep your air conditioner in tip-top shape. Keeping the area around your air conditioner free from air obstruction is critical. Changing out your filters on a regular basis is one the of most important things a homeowner can do since, when your filters are clogged with dirt or pet hair, your AC unit needs to work harder to cool. This can quickly lead to expensive repairs.

Additionally, it’s important to keep landscape plants trimmed away from the outdoor unit. To achieve maximum performance, energy efficiency and stated life expectancy of equipment, air conditioning provided by a traditional heat pump or a ductless heat pump should be inspected and serviced by a certified HVAC technician biannually.

To save even more by bundling your auto & home insurance call

AmeriAgency at 615-209-9362. 

Does your Motorcycle Insurance include Roadside Assistance?

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Roadside Assistance BASIC

Requires Comprehensive and Collision coverage on covered, disabled, on-road vehicles.

  • This provides towing to the location of your choice, up to 100 miles from location of disablement, or $100 per occurrence.
  • This provides emergency roadside services at the place of disablement. (Examples include getting gasoline, repairing a flat tire, servicing a battery, extraction, etc.)
  • This also includes the unique Sign and Drive. If you are on the side of the road, you don’t have to pay up front and get reimbursed.

Roadside Assistance PLUS

Requires Roadside Assistance Basic, Comprehensive, and Collision coverage.

  • This includes all Roadside Assistance Basic coverage for towing and emergency services, but also includes:
  • Towing increases to $300 per occurrence, and
  • Trip interruption coverage for any covered loss or disablement more than 100 miles from primary residence. You may receive up to $500 per occurrence. For example, this can cover a hotel stay while your bike is getting fixed.
  • Trip interruption coverage is inexpensive. Many bikers like it because they like to travel!
Coverage limitations:    $100/day max for lodging    $100/day max for meals  $50/day max for transportation

Call AmeriAgency Inc for your motorcycle policy and ask about Road Side Assistance!

615-209-9362 

Or visit us at one of our 7 locations! www.AmeriAgency.com

 

Fix Your Motorcycle with the Right Parts!

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Original Equipment Manufacturer (or OEM) Endorsement

Add this to your policy, and it will provide for original equipment manufacturer replacement parts in the event of a comprehensive or collision loss.

Pretty cool, huh? Here are few things to keep in mind:

  • You must purchase Comprehensive and/or Collision coverage.
  • It’s not valid if the vehicle is over 10 years old.
  • And it’s not valid for trailers.

 We’re the only insurer that offers the OEM endorsement!

It’s inexpensive and offers peace of mind if you add original equipment from the manufacturer after the initial vehicle purchase.

AmeriAgency Inc.  615-209-9362

Great Motorcycle Coverage!

We offer great Motorcycle coverage- even for your passengers!!

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Bodily Injury and Property Damage-These are the main required coverages.

Additionally, AmeriAgency & Nationwide include Guest Passenger bodily injury coverage at no additional cost!

This means all passenger limits match the driver’s!

This is not just state minimum coverage. This covers household members and family, which is a big benefit!

Call us to insure your motorcycle today! AmeriAgency Inc. 615-209-9362

10 Success Habits for Business Leaders

Working in today’s business  environment can be both a challenging and a rewarding experience. That’s why it’s even more important to have the right qualities and habits to succeed. Here are ten of the most common traits of highly successful business men and women:

1. Ambitious and Determined: The most successful businesses do not rely on luck, but work hard and focus on sales, while understanding that there will be rejections and setbacks along the way. Even if you are a natural-born salesperson, or have the right business skills and connections in place from the start, thriving in this industry takes grit, energy and perseverance. Your passion, along with a willingness to work hard and build relationships, will help you grow. Successful business men and women also keep the big picture in mind, setting short- and long-term goals for themselves and for the business to achieve.

2. Natural Relationship Builder: Those who flourish often have an outgoing, gregarious personality, making it easy for them to make lasting connections as they are networking and speaking with potential customers on the phone. Sales involves developing a great rapport with the customers you serve. Customers want to feel as if they know, like and trust you, and that you have their best interests in mind. Aside from getting to know them, you must also be able to truly understand your customers so that you can tailor the right product offering for their needs.

3. Highly Visible: With the competitive nature of business, one must work to stay top-of-mind as potential customers weigh their options. Effectively marketing your business should include a combination of several forms of communication, from outbound sales activities to advertising, social media marketing, direct mail and event sponsorship. Communicating your message through a variety of marketing channels will ensure that all your potential customers hear about your agency and that you are in the right place at the right time when the customer is ready to buy. Staying visible through marketing and sponsorship also helps your follow-up activities become more successful if your prospect is familiar with your agency before you call.

 4. Responsive: Customers want to know that you are there when they need you, whether it’s answering a quick question about coverage or responding to a quote. If you find ways to make you or your business more available, even after normal business hours, you will impress your customers and increase your perceived value to them.

 5. Learns from a Mentor: No matter how many years of experience you have, you can always learn from others who may have had success in a different market or using a different tactic. Learn from a more experienced professional, asking them to become your mentor. Find at least one individual who has demonstrated success in the industry and take them out for lunch or coffee once a month. Or create a mastermind group to collaborate online or in person regularly to motivate, share success tips and encourage each other. When you surround yourself with successful people, you will quickly find yourself more motivated to succeed, too.

6. Listens and Serves Others: While successful businesses can make a comfortable living from earning great commissions, the most fruitful businesses genuinely care about the customers they serve, and it shows. Serving others first will earn you lasting loyalty from your customers, and will help you earn even more valuable referrals from your most enthusiastic fans.

7. Community-Focused: Being well-connected in your community can help you stand out among other agents in the geographic area you serve, and give you opportunities to meet and get to know potential customers. Whether you decide to sponsor the little league team, donate to a nonprofit organization close to your heart, or donate your team’s time toward a worthy project, understand that staying community-focused can help your business grow as well.

8. Prioritizes and Delegates: These traits are especially important as the business expands. Great leaders know that they can’t do it all, and are willing to allow other employees to take on some of the day-to-day activities and less-critical tasks. Outsourcing some of your responsibilities will free up time for you to focus on other areas of the business, such as relationship management or customer retention.

9. Embraces Technology: While some businesses have survived the last few decades without the benefit of digital tools and software, the future of success must include adapting to the new way of online communication. Whether it’s improving your website, using a customer relationship management application for your sales process, or becoming active on social media, businesses must realize that prospects are using the Internet to research and assess potentially working with them. Staying visible online and embracing new technology shows that your business is efficient, nimble and has staying power.

10. Displays Integrity: The most successful business leaders truly stand out in terms of their heart and willingness to go the extra mile to help their customers and staff. Honesty and trustworthiness also go a long way in the insurance industry, so be upfront with customers to earn their trust. Those who display integrity are rewarded in the form of improved loyalty and customer retention. Integrity also extends to your support staff, so make sure you are hiring people who understand and live out your company culture.

While successful business leaders possess many of the core qualities mentioned above, finding ways to incorporate even a few of these habits into your current business practice will move you closer to the success you deserve.

Call AmeriAgency for the best in business insurance at 615-209-9362.

Grandma Camp Ideas

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Have a Grandma or Grandparents’ camp this summer with your grandchildren!

Wondering what to do with your grandchildren this summer? How about a week long camp!                                          Here are some ideas:

Pick 5 great children’s books! Use these books to inspire your activities. Art, snacks, places to visit, science experiments, cooking, music and songs to sing, outdoor activities, lists,etc. Each day is focused on a different book/theme. Here are some of our favorite ideas based upon:

Green Eggs and Ham- Dr. Seuss

Art: learn about mixing colors and discover what colors make green, light green, and dark green, paint a picture with just green, paint green things- ie: frogs, broccoli, trees, make a project with egg shells

Snacks: eat green things like veges, use food coloring to make ranch dressing green for dipping, green grapes and red grapes- which ones do they like?

Places to visit: a park to identify all of the green things you see- kids win a green prize if they can find 100 items, go to the grocery store and make a list of things your grand kids do and do not like to eat, or visit a chicken farm to learn about eggs.

Science Experiments: Look up experiments with eggs for older kids- an egg drop, get a hard boiled egg into a bottle, discuss where eggs and ham come from and learn about pigs and chickens, young kids love mixing food coloring in water- but be sure to prepare for a little mess.

Cooking: green eggs and ham of course, but maybe eat it for dinner, you could also try to make and eat lime jello, green sugar cookies, celery stuffed with green cream cheese, you get the picture!

Music and Singing Songs: Make up a song to the line in the book “I do not like it Sam I Am”, kids call out things they do not like when you sing that line, sing “It’s not easy being green” with Kermit the frog, make green musical instruments- oatmeal container drums, toilet paper roll filled with dried green beans or peas and sealed with green duct tape for a shaker/noisemaker.

Outdoor Activities: Here and there- teach those concepts in your own backyard- make a base near you for here and one a few yards away for there- kids stand in a third spot- you yell, “here” and they run to you. You yell “there” and they run to the other spot. Let them try to guess what you will say next.

Lists: Make a list on poster board of all the things your grand children like and do not like. It could be food, or movies, or behavior. Their parents may be surprised!

Sometimes it just takes a good book to spark ideas. Enjoy your time with your little ones and call us if you have any insurance needs. AmeriAgency Inc  615-209-9362

WWW.AmeriAgency.com

 

 

 

Notary Public & Notary Bond

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A notary public (or notary or public notary) of the common law is a public officer constituted by law to serve the public in non-contentious matters usually concerned with estates, deeds, powers-of-attorney, and foreign and international business. A notary’s main functions are to administer oaths and affirmations, take affidavits and statutory declarations, witness and authenticate the execution of certain classes of documents, take acknowledgments of deeds and other conveyances, protest notes and bills of exchange, provide notice of foreign drafts, prepare marine or ship’s protests in cases of damage, provide exemplifications and notarial copies, and perform certain other official acts depending on the jurisdiction.[1] Any such act is known as a notarization. The term notary public only refers to common-law notaries and should not be confused with civil-law notaries.

Notary bonds are required in most jurisdiction for a person to become a notary.  In addition to a notary bond it may be advantageous to purchase an E & O policy for a notary public.  The cost is usually around $100 for both the notary bond and notary E&O combined.

Call AmeriAgency for all your business insurance and bonding needs at

615-209-9362.

Title Agents Errors & Omissions Liability Coverage

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Title agents, escrow agents, abstractors, and closing agents need Title Agents Errors & Omissions Liability Coverage.
Services provided to conclude real estate transactions are complex.  There are multiple steps, and in some cases, a single misspelling or transposed number can cause a real estate sale to fall through or falter.  The professional services provided by title agents, escrow agents, abstractors, and closing agents are critically important to the parties engaged in buying and selling property.  For these reasons, Errors and Omissions Liability coverage for these professionals is fundamental to their security and well-being.
Real estate is bought or sold everywhere.  AmeriAgency offers Title Agents Errors and Omissions Liability Insurance.

Call AmeriAgency for all your business insurance needs at

615-209-9362. 

Fireworks in Our Area

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Where are the fireworks this year? 

Brentwood                                                                                                                                         The Kadillacs Concert-July 4th Celebration
Date: 7/4/2017 7:00 PM & followed by Fireworks at Dark.

Crockett Park-Eddie Arnold Amphitheater

Volunteer Pkwy

37027 Brentwood , TN

Hendersonville

Freedom Festival is held annually on July 3rd from 5:00 PM 10:00 PM
fireworks will begin at 9:00 PM

Drakes Creek Park

130 Cherokee Road North

37076 Hendersonville , TN

Smyrna

Monday July 3, 2017 Music, Fun and Games begin at 5:00pm at Lee Victory Rec Park in Smyrna The Annual Fireworks Show begins at 9:00pm

Lee Victory Recreation Park

110 Sam Ridley Parkway

37167 Smyrna , TN

Phone:(615) 459-9773

Franklin

2017 This year’s 4th of July Celebration will focus on family fun and include great music, quality crafts, tasty food, antique cars, and a large k

Downtown Franklin

Main Street

Franklin , TN

Phone:615-791-7554
Nolensville

The Town of Nolensville is gearing up for another fantastic 4th of July event this year. Festivities will begin at 5 p.m.

Nolensville Park

2310 Nolensville Park Rd
Murfreesboro

“Celebration Under the Stars”- Fireworks in Murfreesboro Tennessee.
Saturday, July 4

McKnight Park

120 DeJarnette Lane

37129 Murfreesboro , TN

Phone: 615-890-5333

37135 Nolensville , TN

Nashville
CHRIS YOUNG, NITTY GRITTY DIRT BAND, JONNY P, THE SISTERHOOD, AND THE NASHVILLE SYMPHONY WILL PLAY THE FREE MUSIC CITY JULY 4TH PARTY!

Riverfront Park

100 1st Avenue North

37201 Nashville , TN