Tag: collision

Halloween Horrors Covered by Your Homeowners Insurance

Posted on by butlervetinsurance

Your homeowners insurance will protect you from Halloween home mishaps.

Halloween is one of the best nights of the year for children! Unfortunately, this playful, mischievous manner could turn into mayhem when a trick-or-treater trips or your jack-o’-lantern is knocked over.

Fortunately, you can cackle your way through this night as most homeowners insurance policies cover these nightmare situations!

  • Tricksters damage your home: Standard homeowners policies cover vandalism when repair costs exceed your deductible.
  • Candles cause a fire: Fires caused by a jack-o’-lantern candle or a string of ghost lights will be covered. If you are unable to live in your home because of damages, your homeowners insurance will also pay for your additional living expenses.
  • Trick-or-treating trauma: Injuries caused to children or their parents are covered by the homeowner liability portion of your policy.
  • Car crash: If you crash your car by to avoid hitting a trick-or-treater (it happens more than you think!), the accident would be covered by the collision portion of your auto insurance. If anyone is hurt, your liability protection will take care of that.

Luckily, with proper insurance, you will have coverage throughout all Halloween misfortunes! That being said, you can reduce the likelihood of an accident by ensuring all paths to the house are clear, double-checking that there is sufficient lighting, and not lighting any open flames.

Visit Stromsoe Insurance Agency to put the necessary insurance in California in place before Halloween night. We promise no tricks in our insurance policies!

How To Lower The Cost Of Insuring Your Teen Driver

Posted on by butlervetinsurance

If you have a teenage driver on your hands, you know that your auto insurance premium is highly affected by adding them to your coverage. However, you don’t have to be emptying the bank account to insure your teen driver. Back to school time is the perfect opportunity to think about how you can save on your auto insurance.

As you watch your teen driver pull out of the driveway, you have a magnitude of worries crossing your mind. On top of worrying about their safety, you have to think about the costs associated with their new found freedom. The costs continue to build up as you purchase a car for them to drive, driving school, a driver’s license, and of course, their auto insurance. Many parents of new teen drivers fail to realize that they still have options to keep the costs low.

When choosing your teen driver’s first car, think about the insurance implications. Vehicles that require comprehensive and collision coverage will be more expensive to insure. If you purchase an older, yet reliable vehicle for your teen driver, you may only need to purchase liability insurance, keeping the costs down.

Additionally, you must take advantage of the discounts available to you. If your child takes additional driver’s education courses, they may be eligible to receive a discount. Is your child tired of hearing you encourage them to keep their grades up? You now have the luxury of saying that they will not be allowed to drive unless they maintain a B average. That way, they will be receiving the good student discount and your auto insurance premium will not be as high.

The insurance experts at Stromsoe Insurance Agency can answer any remaining questions you may have regarding insuring your teen driver. We can help you review your current policy and help you manage the cost of insuring your teen. Contact us today!