Halloween is ‘Deadliest Day’ Of The Year For Child Pedestrian Fatalities
Wm. E. Morrell, Inc. encourage responsible driving every day of the year, and especially this Halloween as costumed children fill the streets. If you must drive, avoid all distractions, turn off the radio, put down the smart phone, and be alert for the unexpected. Fully engaged drivers can make 2012 the year of zero child pedestrian fatalities.
Kids have a greater chance of being fatally injured by a car on Halloween than any other day of the year, including the Fourth of July and New Year’s Day.
Crack Down on Mortgage Insurance
It’s Important to understand force placed mortgage insurance and how we can help you. We at Wm. E. Morrell, Inc. work hand in hand to provide insurance for property closings and have insight to what happens when you have a mortgage and let the insurance cancel. Do you have a mortgage and have let your insurance cancel? if so we can help.
The Importance Of Property Insurance
The basic goal behind buying insurance is to make you financially whole following a loss. You agree to pay a (relatively) small fee to an insurance company today, causing a small but certain loss to you now, in exchange for a guarantee from the insurance company that it will bear the burden of a large but uncertain loss in the future.
Don’t Guess – Know
You should know what your policy does and – more importantly – does not cover. Insurance companies don’t stay in business by charging a minimal amount to cover any and all things which could possibly happen to your property.
Should you say yes to rental car insurance? It depends
Renters should check whether their personal auto insurance policy and a credit card used for the rental provide sufficient coverage without buying additional insurance. We at Morrell can explain when getting the insurance through the car rental company is worth it to you or not. We also always provide the option of rental expense within your policy in case of an accident, Morrell Insurance total auto coverage at the best rates.
Hurricane Insurance: What You Need to Know
I live in an area that has lots of hurricanes — should I buy extra insurance?
“It’s more important to know what coverage you have before looking at adding more insurance.” notes Mike McCartin an independent insurance agent with Joseph W. McCartin Insurance in College Park, Maryland. Examine your plan and see if a “named storm deductible” is included. Is wind damage included? In Florida, for example, you must purchase a separate policy for wind coverage. Florida averages about 2-3 hurricanes per year.
As Home Prices Fall, Insurance Premiums Go Up
According to an article in The Wall Street Journal this week, housing prices are finally coming back down to earth. However, insurance premiums for homeowners insurance continue to rise. With our expertise, we can help with finding you a better price in this tough economy. Premium is based mostly from the dwelling coverage. Many companies do not use a replacement cost estimator and dwelling coverage is almost more than what it should be. With our tools we are able to accurately insure you for no more than what is necessary. Want to find out more? Contact us today.
We Get Quackalackin’ at Ducks Eatery
We recently helped new East Village hotspot Ducks Eatery get a quackalackin’ along with their business and insurance. When opening a restaurant, it’s important to make sure of the right coverage for employees and patrons. Learn more about getting your ducks in a row with our line of business insurance for restaurants and nightclubs.
Take a look at an early review for Ducks Eatery here.
Call Before You Dig
According to the Common Ground Alliance, underground utilities are damaged once every three minutes on average across the country. Call 811 before you dig to avoid utility lines when working on your projects at home! Learn more about 811 here.
12 Ways To Lower Your Homeowners Insurance Costs
Looking to save more on the cost of homeowner’s insurance? Here’s 12 steps to follow to keep some more of those hard earned pennies in your pocket.
