Monday, November 22, 2010
Tague Insurance Holiday Hoodie & Toy Drive!
North County Solutions for Change has a driving commitment to ensure that every child has a home. They help homeless families get back on their feet by providing support and permanent solutions to those that need help.
If you would like to support our Holiday cause this year, please bring a new, unwrapped hoodie sweatshirt (any size), or a new unwrapped toy for a child or teen to our office in Carlsbad (2801 Jefferson St). Your donation will help bring a smile to a child's face during this holiday season!
For more info on North County Solutions for Change, please visit their website at http://solutionsforchange.org/index.htm
Saturday, November 20, 2010
Fan Pop - Tague Insurance Featured Fan Picks This Week's Winner
We mention in the video a charity that we are supporting this holiday called North County Solutions for Change. Our staff is collecting small unwrapped toys and sweatshirts for the children that this organization helps. If you are interested in donating you can drop your donations off at our office located at 2801 Jefferson Street in Carlsbad, CA. Or contact NCSC directly by going to their website at www.solutionsforchange.org to find out more information.
Friday, November 12, 2010
Random - Tague Insurance Fan of the Week #16
Monday, November 8, 2010
Tague Insurance - Renter's Insurance Needs
Renters’ Insurance Needs
Persons who live in apartments or rent a residence are fortunate. Most insurance companies can protect their assets and belongings by using a policy that is designed especially for tenants. Typical policies cover your possessions for common causes of loss, additional living expenses related to making other living arrangements, medical expenses for treating people injured on your premises and, of course, lawsuits.
Property Coverage
Protection under a standard renters policy is on an actual cash value basis (item’s replacement cost less depreciation).
Example: Stewart’s kitchen catches fire and his five year old refrigerator is destroyed. A new model of the refrigerator costs $750. His insurance company pays him $162, explaining that it’s the effect of five years of deteriorating value. Most companies offer coverage on a replacement cost basis if you purchase a separate endorsement.
Theft Limitations
Certain types of property are quite vulnerable to being stolen, therefore very limited coverage is available for items such as jewelry, furs, gems, gold, silverware, pewterware, money, securities, guns and accessories. Protection can be increased by adding additional coverage to the tenant policy or by purchasing a personal article floater policy.
Additional Living Expenses
A typical tenant policy provides a limit equal to 20% of your contents insurance limit. If your contents limit is $15,000, then your additional living expenses limit will be $3,000.
Liability Coverage
Liability insurance covers you for injury you cause to others and for damage to property that belongs to others. The policy also provides for the cost of a lawyer (if necessary) and most court costs. Examples of liability claims include: slips and falls; beaning a neighbor’s child with a baseball; hitting a golfer with your errant hook shot; or a friend breaking her hip when she trips on a skateboard your child left on the stairs.
COPYRIGHT: Insurance Publishing Plus, Inc. 1998, 2001, 2009