Tague Insurance congratulates this week's winner. Remember to tell all your FB Friends about our Tague Insurance Facebook page and ask them to become a Fan.
Fan of the Week Winner Week #5...watch the video to see if you are a winner! If you did win please email your mailing address to info@tagueins.com so we can send out your $25 Visa card. Have a great weekend and please tell your FB Friends to Fan our page.
Friday, August 27, 2010
Friday, August 20, 2010
Tague Insurance: Fan of the Week Drawing #4
Tague Insurance congratulates this week's winner. Remember to tell all your FB Friends about our Tague Insurance Facebook page and ask them to become a Fan.
Fan of the Week Winner Week#4...watch the video to see if you are a winner! If you did win please email your mailing address to info@tagueins.com so we can send out your $25 Visa card. Have a great weekend and please tell your FB Friends to Fan our page.
Become a Fan of Tague Insurance today and you could be a winner in our Fan of the Week drawing! Go to www.facebook.com/tagueinsurance
Fan of the Week Winner Week#4...watch the video to see if you are a winner! If you did win please email your mailing address to info@tagueins.com so we can send out your $25 Visa card. Have a great weekend and please tell your FB Friends to Fan our page.
Become a Fan of Tague Insurance today and you could be a winner in our Fan of the Week drawing! Go to www.facebook.com/tagueinsurance
Tague Insurance: Fan of the Week Drawing #3
Congratulations to the winner of our Week# 3 drawing! Please tell all your Facebook Friends about the Tague Insurance Fan page so they can have a chance to win as well. We want to get to 1000 Fans in the near future and we need your help to get there.
Check out Tague Insurance on Facebook at www.facebook.com/tagueinsurance
Check out Tague Insurance on Facebook at www.facebook.com/tagueinsurance
Tague Insurance Facebook Fan of the Week - Drawing #2
Tague Insurance congratulates our winners from the week two drawing! Please tell all your Facebook Friends to become a Fan of Tague Insurance on Facebook. We are trying to have a little fun with insurance. Check out the video below to see who won:
Check out Tague Insurance on Facebook at www.facebook.com/tagueinsurance
Check out Tague Insurance on Facebook at www.facebook.com/tagueinsurance
Tague Insurance launches Facebook Page With A Bang
Tague Insurance wanted to kick start our Facebook outreach to our clients and prospects by holding a 100 Fans in 10 Days incentive. We gave out $150 in prizes to five lucky winners. Go check out our Facebook page to see the video and details of this incentive.
Become a Fan of our Tague Insurance Facebook page for a chance to be one of the weekly winners!
Status Update:
The drawing is complete...the winners have been selected! Thank you to all our FB Fans. Watch the video below for the drawing and winners. If you are a winner please send an email to info@tagueins.com with your mailing address so we can send out your winnings. Reference: Facebook Winner http://www.youtube.com/watch?v=scHYzNv5lks
Check out Tague Insurance on Facebook at www.facebook.com/tagueinsurance
Become a Fan of our Tague Insurance Facebook page for a chance to be one of the weekly winners!
Status Update:
The drawing is complete...the winners have been selected! Thank you to all our FB Fans. Watch the video below for the drawing and winners. If you are a winner please send an email to info@tagueins.com with your mailing address so we can send out your winnings. Reference: Facebook Winner http://www.youtube.com/watch?v=scHYzNv5lks
Check out Tague Insurance on Facebook at www.facebook.com/tagueinsurance
Sunday, June 27, 2010
Tague Insurance - Homeowner Policy Coverage
When you own a home it is important to have a basic understanding of the coverage on your home insurance policy. Tague Insurance wants to make sure that you have an opportunity to get some understanding of the main coverage items. The article below is a very basic yet understandable overview of a few key coverages.
Homeowners Coverage – Part 1
Generally, a homeowners insurance policy includes at least six different coverage parts. The names of the parts may vary by insurance company, but they typically are referred to as Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverages. They are usually presented as policy sections and are often labeled Coverages A through F. This article discusses Coverage Parts A, B, and C, which protect property.
Coverage A, Dwelling
The homeowner policy's first coverage section protects your house and any attached structures, such as garages, decks or fences. The typical policy covers your home when it is damaged by many perils (also known as causes of loss) including fires or storms. However, the following causes of loss are usually excluded from coverage under the homeowners policy:
Earthquake
Flood
Faulty maintenance
Damage from insects or vermin
Wear and tear, gradual damage or deterioration
Coverage B, Other Structures
This coverage section protects structures that are not attached to the home, such as a detached (separate) garage, storage or utility shed, playground equipment and swimming pools.
Coverage C, Personal Property
This covers your possessions, whether they are at your home or away with you on vacation. Personal property is often covered on a named peril basis. This means that only the causes of loss listed in the policy section are covered. The coverage is also subject to limitations and exclusions. Types of property having significant value, such as jewelry, fine arts, collectibles, etc., may require special protection. Talk to your agent about scheduling (adding) coverage on a floater which broadens and extends coverage for high-valued possessions.
Actual Cash Value vs. Replacement Cost
Commonly, protection under sections A and B is provided on either an actual cash value or a replacement cost basis. Actual cash value is defined as replacement cost minus depreciation. Replacement cost is the actual cost to replace the structure, regardless of depreciation. Check your policy to see which type of coverage you have. Coverage under section C is usually provided on an actual cash basis. However, your agent may be able to add replacement cost to your possessions just like that found in Coverage A.
Please be sure to read Part two, which briefly discusses other coverage.
COPYRIGHT: Insurance Publishing Plus, Inc., 1996, 2003, 2010
Homeowners Coverage – Part 1
Generally, a homeowners insurance policy includes at least six different coverage parts. The names of the parts may vary by insurance company, but they typically are referred to as Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverages. They are usually presented as policy sections and are often labeled Coverages A through F. This article discusses Coverage Parts A, B, and C, which protect property.
Coverage A, Dwelling
The homeowner policy's first coverage section protects your house and any attached structures, such as garages, decks or fences. The typical policy covers your home when it is damaged by many perils (also known as causes of loss) including fires or storms. However, the following causes of loss are usually excluded from coverage under the homeowners policy:
Earthquake
Flood
Faulty maintenance
Damage from insects or vermin
Wear and tear, gradual damage or deterioration
Coverage B, Other Structures
This coverage section protects structures that are not attached to the home, such as a detached (separate) garage, storage or utility shed, playground equipment and swimming pools.
Coverage C, Personal Property
This covers your possessions, whether they are at your home or away with you on vacation. Personal property is often covered on a named peril basis. This means that only the causes of loss listed in the policy section are covered. The coverage is also subject to limitations and exclusions. Types of property having significant value, such as jewelry, fine arts, collectibles, etc., may require special protection. Talk to your agent about scheduling (adding) coverage on a floater which broadens and extends coverage for high-valued possessions.
Actual Cash Value vs. Replacement Cost
Commonly, protection under sections A and B is provided on either an actual cash value or a replacement cost basis. Actual cash value is defined as replacement cost minus depreciation. Replacement cost is the actual cost to replace the structure, regardless of depreciation. Check your policy to see which type of coverage you have. Coverage under section C is usually provided on an actual cash basis. However, your agent may be able to add replacement cost to your possessions just like that found in Coverage A.
Please be sure to read Part two, which briefly discusses other coverage.
COPYRIGHT: Insurance Publishing Plus, Inc., 1996, 2003, 2010
Wednesday, May 19, 2010
Tague Insurance - Insuring A Safe Summer
The article below has some great information on things you should consider as Summer approaches. Tague Insurance is here to help our clients obtain the insurance coverage they need to protect their families and businesses. San Diego County is a wonderful area with tons of fun Summer activities to do so make sure that you "insure" a safe Summer!
Are You Liable For Summer Fun?
Ready, Set, Summer!
Summer generally arrives with a huge surge in personal activities. School ends and parents start searching for leisure and recreational activities for themselves and their children. The activities range from elaborate vacations or summer-long camps to simply buying play and sports equipment (or getting it out of storage) and renewing park and pool passes.
Summer Fun's Dark Side
It is important to remember that good, clean fun can also have consequences when things go wrong. Using sports equipment such as tennis racquets, baseballs, baseball bats, Frisbees, lawn darts, or horseshoes has the potential to harm others. Danger accompanies the operation of skateboards, bikes, mopeds, go-karts, and radio-controlled cars, helicopters and planes. An even larger area of concern may involve inviting friends over to use your driveway, play equipment or swimming pool. The potential liability comes from either you having fun at the expense of other persons or their property, or failing to take precautions that persons you've invited to your residence (or other places) are safe to enjoy themselves.
How To Preserve Your Fun
The easiest way to prepare for your summer liability is to ask yourself some questions:
What can I do to keep other persons safe from my activities?
Am I prepared to be responsible for people I hurt or property I damage?
How do I make my home and yard safe for fun-seeking visitors?
Am I keeping my guests to various events safe?
While accidents happen, many can be prevented by making sure that you and your children enjoy your activities responsibly. Operating bikes safely and in low traffic areas reduces the chance that others will be hurt. The proper use of games and equipment also make the likelihood of having someone injured more remote. In other words, it's important that your family uses sports and game equipment safely and appropriately. Adult supervision is critical for potentially dangerous activities such as the use of motorized recreational equipment, trampolines, and swimming pools (including small wading pools). It's also important to make certain that guests you invite for camping or hiking trips are watched after carefully. In many instances, you are responsible for the safety of your guests when you invite them to enjoy outdoor activities, particularly boating or other activities involving water-related equipment.
Home Inspection
Another way to reduce the chance of others being hurt is to do an inspection of your home and yard. Do you have an adequate fence (with secure or self-locking gate) to protect young children from a pool when you're not around? Is your playground equipment well-maintained and strong enough to support the weight of the children using it? Is your yard and driveway free of tripping hazards? Are dangerous items such as tools, chemicals and lawn equipment kept out of reach of children? If you can answer "no" to any of these questions, you're inviting trouble.
Insurance Plays A Role
When accidents happen, they may be followed by medical expenses and, more seriously, lawsuits. You must be protected against such financial consequences. Don't assume you have coverage, especially when an activity involves motorized or powered equipment. You may have to add coverage to your homeowner policy or even buy special coverage for mini-bikes, mopeds, boats, all-terrain vehicles, etc.
So make safety a part of getting ready for summer fun. It's also smart to include a visit or call to your insurance professional to make sure you have the right coverage to support a fun summer.
COPYRIGHT: Insurance Publishing Plus, Inc. 2000, 2005
If you need to review your auto insurance, home insurance, or business insurance please contact Tague Insurance today. We are a local independent Carlsbad CA Insurance agent who has been writing insurance in Carlsbad and San Diego County for over 32 years! We love helping our clients get the protection they need by insuring the things that are most important to them.
Tague Insurance Agency
2801 Jefferson Street
PO Box 429
Carlsbad, CA 92018
Phone (760) 729-1143
Fax (760) 729-8617
info@tagueins.com
www.tagueins.com
Are You Liable For Summer Fun?
Ready, Set, Summer!
Summer generally arrives with a huge surge in personal activities. School ends and parents start searching for leisure and recreational activities for themselves and their children. The activities range from elaborate vacations or summer-long camps to simply buying play and sports equipment (or getting it out of storage) and renewing park and pool passes.
Summer Fun's Dark Side
It is important to remember that good, clean fun can also have consequences when things go wrong. Using sports equipment such as tennis racquets, baseballs, baseball bats, Frisbees, lawn darts, or horseshoes has the potential to harm others. Danger accompanies the operation of skateboards, bikes, mopeds, go-karts, and radio-controlled cars, helicopters and planes. An even larger area of concern may involve inviting friends over to use your driveway, play equipment or swimming pool. The potential liability comes from either you having fun at the expense of other persons or their property, or failing to take precautions that persons you've invited to your residence (or other places) are safe to enjoy themselves.
How To Preserve Your Fun
The easiest way to prepare for your summer liability is to ask yourself some questions:
What can I do to keep other persons safe from my activities?
Am I prepared to be responsible for people I hurt or property I damage?
How do I make my home and yard safe for fun-seeking visitors?
Am I keeping my guests to various events safe?
While accidents happen, many can be prevented by making sure that you and your children enjoy your activities responsibly. Operating bikes safely and in low traffic areas reduces the chance that others will be hurt. The proper use of games and equipment also make the likelihood of having someone injured more remote. In other words, it's important that your family uses sports and game equipment safely and appropriately. Adult supervision is critical for potentially dangerous activities such as the use of motorized recreational equipment, trampolines, and swimming pools (including small wading pools). It's also important to make certain that guests you invite for camping or hiking trips are watched after carefully. In many instances, you are responsible for the safety of your guests when you invite them to enjoy outdoor activities, particularly boating or other activities involving water-related equipment.
Home Inspection
Another way to reduce the chance of others being hurt is to do an inspection of your home and yard. Do you have an adequate fence (with secure or self-locking gate) to protect young children from a pool when you're not around? Is your playground equipment well-maintained and strong enough to support the weight of the children using it? Is your yard and driveway free of tripping hazards? Are dangerous items such as tools, chemicals and lawn equipment kept out of reach of children? If you can answer "no" to any of these questions, you're inviting trouble.
Insurance Plays A Role
When accidents happen, they may be followed by medical expenses and, more seriously, lawsuits. You must be protected against such financial consequences. Don't assume you have coverage, especially when an activity involves motorized or powered equipment. You may have to add coverage to your homeowner policy or even buy special coverage for mini-bikes, mopeds, boats, all-terrain vehicles, etc.
So make safety a part of getting ready for summer fun. It's also smart to include a visit or call to your insurance professional to make sure you have the right coverage to support a fun summer.
COPYRIGHT: Insurance Publishing Plus, Inc. 2000, 2005
If you need to review your auto insurance, home insurance, or business insurance please contact Tague Insurance today. We are a local independent Carlsbad CA Insurance agent who has been writing insurance in Carlsbad and San Diego County for over 32 years! We love helping our clients get the protection they need by insuring the things that are most important to them.
Tague Insurance Agency
2801 Jefferson Street
PO Box 429
Carlsbad, CA 92018
Phone (760) 729-1143
Fax (760) 729-8617
info@tagueins.com
www.tagueins.com
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