The Church At Deerfield Beach

EMPOWERING COMMUNITIES, TRANSFORMING LIVES!

Thu, 16 May 2024 22:35:31 GMT

Wilber-Price Insurance is proud to announce NEST Community Learning Center as the chosen beneficiary of our latest Community Cause campaign. This inspiring local organization is dedicated to breaking the cycle of generational poverty by empowering children and families through education, nutrition, safety, and transformation.

NEST brings learning directly into neighborhoods through its innovative mobile classrooms, offering after-school tutoring, early learning programs, and summer “Lunch, Learn & Play” sessions. These programs ensure that children not only continue to grow academically but also receive the nourishment and support they need to thrive.

Beyond academics, NEST provides a caring, stable environment where children can build confidence and connections. Their team ensures that each student receives healthy meals, homework help, and access to essential community resources—creating a network of support that uplifts entire families.

At Wilber-Price Insurance, we believe in strengthening the communities we serve. For every referral we receive, we’ll donate $10 to NEST Community Learning Center to help continue their incredible work. You don’t need to buy anything! Simply refer someone you know for a no-obligation insurance quote, and you’ll be contributing to a brighter future for local children.

Together, we can help nurture minds, feed hearts, and build stronger foundations for the next generation. A small gesture can make a lasting impact—let’s make a difference, together!

3 Big Reasons to Buy Renters Insurance

Tue, 17 Oct 2023 16:43:00 GMT

It’s important to look at your policy to see what specifically is listed. Some policies have specific exclusions too, such as for floods and earthquakes.

#2: You’ll Appreciate the Liability Coverage

Renters insurance provides liability coverage to you. This includes instances when someone else is hurt as a result of your actions or inactions. These legal expenses can be very high otherwise. Many policies provide up to $100,000 (but this will range depending on your policy), plus more for medical payments coverage. You may also want to consider an umbrella policy that can further extend your coverage. If someone falls or trips on a cord and is seriously hurt, you’ll appreciate this component of your policy.

#3: It Can Help When You’re Traveling

Renters insurance is also helpful because it can help cover your personal belongings while you are traveling. This includes your belongings within your home or car. If you face a theft loss, for example, from your car, this policy can help cover it. Be sure to check exclusions for this specific need as well.

Renters insurance is sometimes required by landlords. Even when it is not, it can be a worthwhile investment for renters.

The Most Common Car Accident Scenarios

Wed, 04 Oct 2023 22:50:00 GMT

One never wishes for a car accident, but even the best driver can get distracted or find themselves unable to avoid another person’s poor decision. Note some of the most common accident scenarios so if you are ever in a similar situation, you can remind yourself to stay alert and watch out for other drivers. […]

EMPOWERING HOPE FOR KIDS WITH CANCER!

Sun, 01 Oct 2023 15:22:32 GMT

There is nothing more heart-wrenching than seeing the resilience of young souls battling against the cruel grip of cancer. Even in the midst of this heartache, there's a beacon of light.

In the face of childhood cancer, hope finds a home in the remarkable efforts of CancerFree Kids. At Wilber-Price Insurance, we're deeply inspired by their incredible effort as they strive to eradicate this devastating disease. Through groundbreaking research, compassionate support, and resources, they offer hope to the smallest fighters and their families, reminding us of the power of collective compassion and determination.

We invite you to stand with us and support CancerFree Kids. For every friend or family member you refer to us for an insurance quote, we will donate $10 in your name to this extraordinary organization. Your referral not only secures the future for your loved ones but also contributes to CancerFree Kids' tireless mission, helping create a world where every child can dream, play, and grow without the shadow of cancer. Let's be the light that guides these young souls toward a brighter, cancer-free tomorrow.

Auto Insurance for Your Teenage Driver

Fri, 15 Sep 2023 16:36:00 GMT

Your family has finally arrived at the time in your lives where you have a teenage driver in the home. Your teen has passed the tests, logged their practice hours and is now ready to drive solo. While you may be ready to panic at the thought, comprehensive auto insurance coverage can set your mind […]

Does Home Insurance Cover Sewage Backup?

Tue, 12 Sep 2023 22:54:00 GMT

Whether your home insurance covers sewage backup depends on your policy and whether you’ve added specific coverage. It’s essential to review your policy carefully, assess your risk factors and consider adding sewage backup coverage if you believe it’s necessary for your situation. Contact Wilber-Price Insurance Group to discuss your home insurance needs. We can help optimize coverage to ensure you are protected from the unexpected.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Getting the Right Auto Insurance For a Classic Car

Wed, 23 Aug 2023 19:30:00 GMT

You might have heard that the best way to insure your household’s vehicles is to buy a multi-vehicle policy. This allows you the convenience of being able to insure every vehicle you own within a single plan, which does have its cost benefits. However, is this really the best choice for you? Some vehicles are […]

Is Long-Term Care Insurance Right for You?

Wed, 23 Aug 2023 19:18:00 GMT

With rapid medical advancements, people are living longer than ever before—often well into their 80s or 90s. However, as people age, some will need more care than others. About 40 percent of retired adults are likely to spend time in a nursing home, or make use of another form of assisted living. It’s wonderful that […]

A Guide for First-Time Homebuyers

Wed, 19 Jul 2023 17:34:00 GMT

To-Do List While Home Hunting

To-Do List after Home Hunting

We’ll help you find great coverage. Call Wilber-Price Insurance Group at (800) 797-2016 for more information on home insurance.

What Insurance Do You Need When Starting a Farm?

Mon, 10 Jul 2023 17:31:00 GMT

Agriculture provides a huge source of opportunity to farmers and their employees. If you plan on starting an enterprise, you will need the right resources and a lot of hard work. One important resource is insurance. Insurance can help protect your investment in case of an accident or natural disaster, but not all farm insurance […]

When is the Best Time to Get Life Insurance?

Thu, 15 Jun 2023 20:22:00 GMT

Perhaps you’ve put off the purchase of life insurance for some time now. You’re young and you don’t plan to be at risk of death anytime soon. Many people make the same decision, but that does not mean it’s the smartest decision to make. It is essentially risky to live without life insurance if you […]

Types of Dental Insurance

Thu, 15 Jun 2023 19:58:00 GMT

According to the CDC, about 82% of children and about 61% of adults go to the dentist each year. Why the difference? Is it because adults don’t have problems with their teeth? Probably not. Maybe they are just busy or don’t like going to the dentist, or maybe they are afraid of the costs. If […]

Medicare Prescription Drug Formularies

Thu, 18 May 2023 16:50:00 GMT

How much you pay for your medication will vary, even if you have Medicare Part D coverage. That’s because every pill has a different value and use. How insurance companies pay for different drugs will likewise differ. This likely comes from the way Medicare’s prescription formulary pays. How does the formulary system work? Depending on […]

Can Personal Umbrella Insurance Cover Other Policy Exceptions

Thu, 18 May 2023 16:17:00 GMT

Fortunately, your umbrella plan doesn’t have to cover anything except excess liability. Your home insurance will cover your home, and your car insurance will cover your car. However, when it comes to a loss, the costs can spin out of control in liability damages and legal proceedings. The cost of a lawsuit may quickly balloon to a price that the average person wouldn’t be able to cover in several lifetimes. Umbrella insurance exists to bring you and your family peace of mind.

5 Ways to Save on Life Insurance

Wed, 19 Apr 2023 17:20:00 GMT

Life insurance is a topic some people don’t want to talk about, and a topic some just don’t think about. If you fall into one of those categories, maybe it’s because it seems you are paying for something you will never use. But, those you love can benefit greatly from it. Some people are worried […]

Life Insurance and Disability Insurance: What’s the Difference?

Wed, 19 Apr 2023 17:16:00 GMT

Life insurance provides financial support to a beneficiary after your death. By comparison, disability insurance helps you during your lifetime. Many people benefit from both forms. These types of protections often provide essential help in some of your most challenging times. But, getting the policies just right can be a challenge. How can you approach […]

Long-term Care Insurance: What Is It and Who Needs It?

Fri, 24 Mar 2023 22:31:00 GMT

Although many people have heard of long-term care insurance, they don’t really know what it is or if they need it. Long-term care insurance helps pay for custodial and non-medical care services for policyholders who cannot perform everyday activities on their own, such as bathing, dressing, eating, toileting and transferring (e.g., getting in and out […]

What Is Whole Life Insurance vs. Term Life Insurance?

Wed, 15 Mar 2023 22:27:00 GMT

At a glance, the difference between whole life insurance and term life insurance comes down to the cost and length of the policy, but there are some nuances to both types of coverage. The most important thing is that you have the coverage you need in place if the unexpected happens.

What Is Whole Life Insurance?

What Is Term Life Insurance?

Term life insurance is only in effect for a fixed period, commonly 10, 20 or 30 years. Short term insurance will only pay out if the policyholder dies during the term. If they outlive the term and the coverage ends, their beneficiaries will not receive any money. When the policy reaches its term, the policyholder must reapply for a new policy if they want coverage to continue.

Who Needs Term Life Insurance?

Term life insurance may be a good option if you meet any of the following criteria:

Life Insurance Quote in Loveland, OH

If you want to learn more about life insurance and which policy is right for you, contact Wilber-Price Insurance Group. We are committed to helping you find the coverage you need.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

5 Ways to Keep Your Home Claim Free While on Vacation

Mon, 20 Feb 2023 23:57:00 GMT

One of the biggest mistakes a homeowner can make when they are finalizing the details of a vacation is to let the excitement and anticipation of their journey overwhelm their better judgment, which can cause them to leave their home unprotected. If you’re planning a vacation, it’s best that you also be setting up measures […]

How General Liability Insurance Can Benefit Your Business

Thu, 09 Feb 2023 00:06:00 GMT

General liability insurance does not cover employees or people otherwise tied to the business. It is solely designed to protect customers, visitors, mail carriers and other people that are not associated with the business, yet experience a loss because of the business.

Because the costs related to a liability event can be unpredictable, you also have the option to add on umbrella coverage. This essentially adds on another layer of protection in the event that a claim surpasses policy limits.

How to Reduce Workers’ Comp Claims by Improving Ergonomics

Mon, 23 Jan 2023 17:07:00 GMT

Ergonomics is the science of optimizing an environment for maximum safety and efficiency. In the workplace, emphasizing ergonomics will not only improve your bottom line and boost employee satisfaction, but it will also reduce the number of workers’ compensation insurance claims made as a result of improving safety. Below, we outline several key tips for […]

6 Ways to Save on Auto Insurance

Wed, 18 Jan 2023 17:15:00 GMT

Everyone can benefit from saving a few bucks whenever possible. And, while car insurance is necessary—both to meet state requirements and for your own financial security—it would be helpful to pay less for it. Your auto insurance premium is calculated using a variety of factors, but, luckily, there are things you can do to reduce […]

Can You Be Denied Long Term Care Insurance?

Thu, 29 Dec 2022 19:11:00 GMT

A potential policyholder’s weight and height may also affect their eligibility for long term care insurance when paired with other medical conditions. For example, overweight individuals (in comparison with their height) that smoke may have trouble finding long term care insurance.

The above conditions are generally why insurance agents recommend that individuals purchase long term care insurance early, as many excluded diseases are brought on with age. However, being late to purchase insurance does not mean that you shouldn’t.

Keep in mind that if one of the above applies to you, this does not mean you cannot purchase long term care insurance. Every insurance provider is different and policies change from carrier to carrier and person to person. It is important to be honest and shop between multiple insurers (or find an independent insurer to do it for you) so that you can find a long term care insurance policy suited for your needs.

Speak with an insurance agent about your long term care insurance options. With or without pre-existing conditions, you should exhaust your resources until you find an insurer who will work with you on a policy. Also be sure to speak with your loved ones and keep track of your medical records to keep track of your medical needs so that you can tell your insurance agent and get the coverage needed for your care.

Farm Insurance and Crop Protection

Wed, 21 Dec 2022 19:08:00 GMT

We all know that the weather is fickle and can ruin a picnic or a vacation. Having those events ruined is no fun, plus it’s inconvenient. But for a farmer, the fickle weather can be much more than inconvenient; it can be devastating. Weather can ruin a crop or reduce the yield. So, what can […]

Prevent Flood Damage

Tue, 22 Nov 2022 19:20:00 GMT

A flood is one of those things that you can’t always avoid if you live in certain areas. But, there are some things we can all do to protect our homes from flooding, no matter where we live. 1. Next time it rains, go out and watch the water near your home. See how it […]

Specialized Coverage for Your Prized Antique Vehicles

Wed, 16 Nov 2022 19:24:00 GMT

While regular cars depreciate in value over time, antique and other collectible cars tend to appreciate in value. This is because owners of antique cars are known to spend hours restoring and preserving these vehicles, with custom parts and paint jobs. Since antique cars are valued and handled differently than regular cars, it should come […]

4 Questions to Ask Your Life Insurance Agent

Wed, 26 Oct 2022 17:54:00 GMT

Life insurance is an important policy that works to protect your family from financial hardship when you’re no longer able to do so. Picking the right policy is crucial, as not all life insurance policies are created the same. Before you settle on life insurance, it is important to ask your insurance agent the right […]

3 Tips for Understanding Home Insurance

Fri, 21 Oct 2022 17:48:00 GMT

After you first buy a home, the process of getting together all of your paperwork and funds is exhausting even without the need to consider home insurance. It’s why many people end up choosing a policy that’s based on little more than convenience and cost. They only learn more about their plan when they’re forced […]

4 Reasons Cyber Liability Insurance Is Necessary

Wed, 28 Sep 2022 22:00:00 GMT

Anthem, Ashley Madison and the United States Government are all recent entities that recently experienced a digital security breach. However, it’s a mistake to assume that hackers are only after large entities; in reality, they are after information. Since you house and process information at your place of business, it is possible that you can […]

Do You Need Builder’s Risk Insurance to Protect Your Worksite?

Wed, 14 Sep 2022 21:58:00 GMT

Think about the investment you have tied up in a project. If a particularly bad storm destroyed the property, would you be able to pay for the costs of replacement and the liabilities you have to the project owner? To protect your business’ interests, especially if your worksite is located in an areas that has a high crime rate or high risk of inclement weather, talk to your independent insurance agent about the benefits of builder’s risk insurance.

What Does General Liability Insurance Cover?

Tue, 23 Aug 2022 19:53:00 GMT

Even though your business takes safety precautions, accidents can happen at any time. And if a customer or other third party suffers an injury or property damage at the hands of your business, general liability insurance can provide the necessary financial support to get through the incident.

4 Types of Additions to Business Owner’s Policies

Tue, 16 Aug 2022 19:47:00 GMT

Business Owner Policy or BOP is a type of business insurance. It is a basic policy providing the most common types of coverage most businesses need. Purchasing a BOP plan makes sense for many companies because combining these commonly needed policies can significantly reduce costs. However, Business Owners Policy plans do not always cover all […]

Why Do Teenagers Pay So Much for Car Insurance?

Wed, 27 Jul 2022 23:31:00 GMT

It is a well known fact that teenagers pay the most for insurance compared to almost any other age group. Some people don’t know why they are paying so much for their child’s insurance, however, and knowing the reasons can help you save money on car insurance when insuring a teenage driver. Risk Car insurance […]

Is Long Term Care Insurance Worth the Cost?

Wed, 20 Jul 2022 15:40:00 GMT

Whether or not long term care insurance is right for you depends on your income and circumstances. Long term care insurance is geared to cover personal care that seniors may need in doing everyday tasks. If you are a loved one has trouble doing normal, everyday tasks, long term care may be the solution. Unfortunately, long term care can be expensive.

What Does Long Term Care Insurance Cover?

Long term care insurance helps cover expenses related to:

• At home care
• Adult day care
• Nursing home care
• Assisted living facilities
• Short-term hospice care (only on some policies)

Coverage options and premiums vary depending on your location, insurer and other factors. It also depends on your long term care needs. Long term care insurance unfortunately won’t cover every need, so be sure to speak with your insurance agent about your long term care needs and whether or not insurance will cover the expenses you need them to.

On average, the cost of long term care insurance may be around $283 a month. This is significantly less than many long term care services out of pocket per month. However, these costs vary heavily depending on your age, coverage limits, coverage time limit and more.

Ask your loved ones and insurance agent about finding the right policy if you decide that you need long term care insurance.

What Does Long Term Care Insurance Not Cover?
Unfortunately, these policies won’t cover everything or everyone. Individuals with pre-existing conditions may not qualify for long term care insurance, such as those who have been diagnosed with Alzheimer’s before purchasing long term care insurance. On the other hand, if you develop Alzheimer’s after purchasing long term care insurance, your care should still be covered.

Exclusions can also include in home care that is provided by a family member. This insurance does not cover medical bills such as hospital stays, doctor’s visits, etc. For medical coverage, make sure you have a reliable health insurance policy or Medicare plan.

When Should You Buy Long Term Care Insurance?
You should generally purchase long term care insurance long before you need it. As you grow older, speak with your insurance agent about finding a long term care insurance policy to cover your future care needs.

Is Livestock Property?

Wed, 29 Jun 2022 17:04:00 GMT

*Earthquake coverage must be purchased separately. You can also purchase additional coverage for accidental shootings, drowning, wild animal or dog attacks and building collapse.

Livestock insurance does not cover when animals day or old age or natural diseases. In order to expand this coverage, you can purchase full animal mortality coverage, which covers natural and unnatural deaths such as illnesses, injuries and sickness.

Livestock included in this insurance include:

Certain exotic animals may be excluded from this coverage. Livestock insurance also covers liability in case an animal or livestock causes bodily injury or property damage to someone else. This is crucial for farms and ranches that host events, allow tours or offer horseback riding.

How Much is Farm Livestock Insurance?

Farm insurance livestock insurance is calculated based on the value of the animal or animals. It also depends on the size of your farm and type of coverage. Most farms don’t purchase livestock insurance on its own, but as a package under a farm insurance policy. Farm insurance often includes livestock insurance as well as:

Benefits You Need Alongside Your BOP

Wed, 15 Jun 2022 17:16:00 GMT

You can choose the coverage limits and deductibles within your plan to reflect the comprehensive value of your policy. You also can adapt the terms of the BOP to address any special circumstances within your operation.

However, all BOPs have a stopping point, which is why you often must invest in other policies, too. Therefore, your BOP will be only one part of a comprehensive portfolio of commercial insurance options that your business carries.

How Can You Get Extra Coverage?

As you are enrolling in your BOP, your insurance agent will work with you to determine the precise terms of your plan. At that time, they can also help you figure out precisely which additional policies you will need.

In some cases, you can add extra coverage into your BOP as a policy endorsement that expands the package. However, in others, you have to buy separate policies. There are many stand-alone policies that are essential (and often required) for all small businesses.

Additional Policies

Just a few of the policies that you might purchase alongside your BOP include:

Talk to your agent about how you need to augment your business insurance beyond having a traditional BOP. They can help you deduce your coverage needs so you never have to select benefits arbitrarily.

How to Lower Your Home Insurance Rates without Raising the Deductible

Wed, 25 May 2022 21:44:00 GMT

When it comes to lowering home insurance rates, many people think about raising their deductible without giving much thought to other ways of achieving the same effect. One reason for this is that people often don’t consult with their independent insurance agents, who are more than happy to discuss methods of lowering premiums. Many of […]

3 Times to Review Your Life Insurance Coverage

Tue, 17 May 2022 21:42:00 GMT

When was the last time you reviewed your life insurance policy? Many people do not think twice about it. They purchase a policy, set it aside, and don’t think about it again. This can be a big mistake. If you have not taken the time to inspect your policy in the last year, do […]

4 Tips to That Help You Get Better Gas Mileage

Tue, 26 Apr 2022 17:45:00 GMT

If you are like many people, you want to reduce your monthly gas expense. Fortunately, you don’t have to wait for the price of gas to drop to reduce how much it costs you each month. Instead, improve your gas mileage with these easy tips. Change Your Air Filter Your air filter provides fresh air […]

Reasons for Investing in a Home Security System

Wed, 13 Apr 2022 17:48:00 GMT

If you’re like many homeowners, there’s probably been a break-in in your neighborhood at some point and it made you think about installing a security system. In the United States, there are over two million home burglaries reported every year, so it’s wise to consider some type of alarm. If you’re on the fence about […]

What a Business Owner’s Policy Does For You

Wed, 23 Mar 2022 17:54:00 GMT

Every business, large and small, needs to purchase commercial insurance to prevent against a variety of risks. However, procuring the right coverage can be a tedious and time consuming process, particularly for small and medium sized businesses. To help alleviate this issue, these businesses may be eligible to buy an all-in-one plan called a business owner’s policy, or a BOP. To qualify, a business must have no more than 100 employees and no more than $1 million in revenue. Bigger companies will likely have to buy insurance policies a la carte.

• Property insurance: Covers buildings, furniture, equipment and inventory owned (and sometimes leased or rented as well) by the business.
• Liability insurance: Covers any bodily injury or property damage suffered by a third party on the business’ property. This can also cover legal expenses.
• Medical payments insurance: Covers any third party medical expenses that result from a liability claim.
• Loss of income insurance: Covers lost income in the event that daily business operations are interrupted due to a covered loss. This can include financial obligations such as rent and payroll.
• Equipment breakdown insurance: Covers pieces of equipment — such as computers or break room appliances — that fail or become damaged due to a covered loss.
• Data breach insurance: Covers online resources, such as databases, from hackers and other covered losses.
• Employment Practices Liability Insurance: Covers a business in the event that an employment-related claim is made involving alleged acts of harassment, discrimination, wrongful termination, law violations etc.

Note that commercial auto insurance and worker’s compensation insurance will most likely need to be purchased separately from a BOP.

Make sure your clients have the business insurance coverage they need. Call Wilber-Price Insurance Group at (800) 797-2016 for more information on business insurance packages.

How to Determine How Much Long-Term Care Insurance to Get

Wed, 09 Mar 2022 18:48:00 GMT

You’ve worked hard to build your retirement savings. Perhaps you are in your 50s or 60s now and are wondering how you can protect your retirement savings from long-term care expenses. It’s a growing problem for many seniors. According to Kiplinger, long-term care expenses average about $85,000 a year for a private nursing home. With long-term care insurance , you may be able to reduce your out-of-pocket costs and safeguard your retirement savings from this expensive, yet necessary service.

How Much Do You Need?
The amount of insurance to purchase can be one of the hardest decisions you need to make. You’ll need to factor in the costs of long-term care in your area. Talk to local providers about this. You also need to consider double costs if both spouses live in this type of setting, or when paying for multiple residents otherwise. It’s a good idea to consider the waiting period on these policies. The longer this waiting period is, the more affordable your premium will be, but the longer you have to wait to use the plan. Factor in inflation, likely living expenses (based on your budget) and any medical conditions you may have.

The good news is you do not have to make these decisions on your own. Work with your financial advisor or independent insurance agent to determine if your retirement savings is enough to forgo this type of insurance or if your employer provided some coverage in your pension. In most cases, long-term care insurance remains an affordable way to pay for these needs later in life. The sooner you act, the more affordable the plan can be for you. That means you’ll also be able to purchase the value that you feel most comfortable with going forward.

Is your future covered? Call Wilber-Price Insurance Group at (800) 797-2016 for more information on long-term care insurance.

Why You Should Get Life Insurance Now

Thu, 24 Feb 2022 19:37:00 GMT

When you’re in your 20s or 30s, you’ve hardly had time to adjust to your independence and the responsibilities that go along with it. Life insurance is probably the last thing on your mind, and it might even seem unimportant to you if you aren’t married or if you don’t have children.

For the most part, the older you are when you start a policy, the more your monthly payments increase for the same amount of coverage. There is also the risk of health changes which could affect your rates. If you buy a policy when you’re younger, the payments are much more affordable and remain at that same rate throughout the payment period.

There are two basic categories of life insurance available: permanent life insurance and term life insurance. A permanent life insurance policy is designed to remain in place for your entire life and can be designed to provide living benefits as well. Term life insurance policies offer coverage for a certain number of years (the policy term), after which the coverage expires. There are usually no cash value or living benefits.

If you intend to investigate life insurance , remember:

There are different types of policies out there to fit each individual need and budget.

Rates can rise substantially for the same amount of coverage on life insurance if you wait until you’re older before you purchase a policy.

It makes sense to look into your options before you decide what the best age is for you to buy life insurance.

We’ll help you find the right coverage. Call Wilber-Price Insurance Group at (800) 797-2016 for more information on life insurance.

Farm and Crop Insurance Provide Peace of Mind

Tue, 15 Feb 2022 20:21:00 GMT

Most people make the wrongful assumption that when the harvest is over, a farmer or rancher is on vacation until the spring. If you farm your land, you know that nothing is further from the truth. This is the time to prepare for next year, including figuring out how to make things more efficient, more productive and better overall than this year — all while keeping an eye on the bottom line.

This kind of worry and concern is exactly why it’s a great idea to invest in some crop insurance. If you and your family depend on healthy crops for your livelihood, it’s a wise idea to have a backup plan. Because this is out of your control, crop insurance will cover you and provide for you if the worst happens and all that you’ve worked so hard to plant is destroyed.

Crops aren’t the only thing farmers or ranchers need to think about, though. Buildings, equipment and livestock are all part of a working farm — and while essential to its operation, they are extremely costly. Protecting these with an insurance policy will only add to the stability and health of your farm or ranch.

As you start making plans as to how to improve your farm business, contact your independent insurance agent to discuss farm and crop insurance. So much of farming is out of your control, and the right policy can give you peace of mind and protection for your business.

We’ll help protect your land and business. Call Wilber-Price Insurance Group at (800) 797-2016 for more information on farm insurance.

Auto Insurance Coverage Lapse: Why You Need to Avoid It

Wed, 19 Jan 2022 20:17:00 GMT

Can Your Home Insurance Provider Cancel Your Policy?

Wed, 12 Jan 2022 20:04:00 GMT

• Ask about discounts
• Add safety measures to your home (anti-theft systems, fire alarms, fences, etc.)
• Safeguard your home against weather
• Build your credit score
• Get rid of high-risk aspects of the home (such as trampolines)
• Raise your deductible (though this means you will pay more out of pocket if you have to file a claim)

Pets
Unfortunately, your furry best friends may influence your home insurance rates. Some insurance agencies exclude pets and dog breeds from liability coverage. While pets may not have you dropped from your home insurance policy, they can make you personally liable for damage or injury they cause. Insurance agencies are also reluctant to insure pets who have caused bodily injury or property damage in the past. Be sure to check with your insurance provider about their pet and breed exclusions. Common exclusions include exotic pets like snakes and dog breeds that are considered “aggressive.”

Carrier Changes
Sometimes, policyholders are dropped for reasons they have no control over. If an insurance carrier decides to stop offering insurance in your area, you will have to find a new insurance provider. A trusted independent insurance agent like Wilber-Price Insurance Group can help you with this process if the need arises.

Issues Insuring the Home
Lastly, there are some aspects of a home that an insurance company may refuse to insure. Homes that are too far from a fire station may have trouble finding coverage. Homes with poor roofing may be required to be fixed before an insurer will cover it. Failure to comply can result in no coverage or cancelled coverage.

Annual Home Audit Checklist

Tue, 14 Dec 2021 22:28:00 GMT

homeowner

Emergency Preparedness Considerations

Use this section to review the preparedness of your household for emergencies:

Indoor Safety Considerations

Use this section of the checklist to review indoor safety considerations:

Outdoor Safety Considerations

Use this section of the checklist to review outdoor safety considerations:

Summary

Conducting an annual home audit is a great way to ensure that you’re prepared for an emergency and that both indoor and outdoor safety considerations are addressed. By using this checklist, you’ll be well on your way to ensuring a safe home .

Keeping Your Commercial Auto Insurance Costs Affordable

Tue, 07 Dec 2021 22:25:00 GMT

commercial auto insurance

Below, we’ve outlined some of the simplest things that you might be able to save money on your auto policy. With the help of our agents, you’ll be able to get the best combination of coverage and price.

Compare Policy Options of Numerous Carriers

There are many commercial auto insurance policies on the market today, and each will supply different benefits, combinations of coverage and prices, each of which might prove more advantageous to the policyholder. After all, to receive optimized benefits, you must make your coverage unique.

By working with an independent insurance agent, you’ll be able to compare policy options offered by numerous insurance carriers. That way, you’ll be able to settle on the policy that offers you the best combination of coverage and price. Remember, even though two policies might look very similar, they might actually be priced quite differently.

Get Only the Coverage That Fits Your Needs

You might feel tempted to buy as much commercial auto insurance as possible. After all, the more you have, the better protected you will be, right?

Not quite. All commercial auto insurance policies will place limits on what they will pay for any given loss. Therefore, there is a potential to create a scenario where you are paying for certain coverage which, due to the limits of your policy will not cover you. The cost therefore will far outweigh the benefits.

For example, collision & comprehensive coverage will usually only pay a settlement based on a car’s actual cash value, which is its used value at the time of the crash. If you have this coverage on an older car that is not worth much money, then you could realistically be paying a premium on a plan that will supply very little financial support in case you file a claim.

Let Us Guide You Towards Savings Opportunities

No matter what commercial auto insurance policy that you choose to buy, you will often qualify for policy savings through discounts and other mechanisms. For example, you often can bundle your commercial auto coverage with other business insurance benefits like BOPS, general liability or commercial property insurance. Overall, your rates will usually be lower by taking this step.

Plus, commercial auto insurers are happy to work with their clients to set up payment plans for most policies, and usually offer automatic payment and online payment options. Their goal is to make it easier for you to get the most out of your coverage without having to worry about how you’re to pay for it.

Barn And Outbuilding Security For Farmers And Ranchers

Tue, 16 Nov 2021 17:39:00 GMT

farm or ranch

Outbuilding security usually involves a fair degree of physical reinforcement of the structure. Various systems can help beef up protection. This can reduce your chances of having to file an insurance claim on the building.

Why Security Matters

Often, the more reinforcements within your outbuildings, the better their security. If you can track access and exposure on the premises, the chances of theft or damage often drop. Thus, you’ll stand a lower chance of financial losses following a hazardous situation.

Also, if you can avoid incident in outbuildings, you likely won’t have to file a homeowners insurance claim. Though many policies will cover outbuildings, avoiding property damage altogether might have its perks as well. If you don’t suffer damage, you might not ever have to file a claim on your policy. Therefore, your ability to maintain lower average rates will likely remain stable. By taking security steps on the premises, you might even be able to save more through discounts.

Your Outbuilding Security Process

The most secure outbuildings are the ones you put ample thought into building. You want to construct these structures in appropriate manners so that they maintain their overall integrity.

With appropriate care, you can create better security for your ranch’s outbuildings. This means your entire property can have more financial protection down the road.

Estimating Your Long-Term Care Needs

Wed, 10 Nov 2021 17:42:00 GMT

long term care needs

What is Long-Term Care Health Insurance?

Long term care health insurance is something that many people can have the need for. Though it tends to be a type of health insurance for those that are older and unable to care for their health and medical needs, it can be used (in many cases) by those who are younger and become ill (and unable to care for their own needs). That’s why you should not put off getting it.

This type of health insurance aims to provide you with financial support during this period of time. It can step in to help you to obtain the care you or your covered loved ones need. It can be used in any cases of prolonged disability, cognitive impairment or illness that lasts for a long time. When these situations occur, it can be pay for your specific needs such as your medical needs, inpatient needs, and long term care facilities.

Why and How to Buy It

Estimating your long term care health insurance needs is a challenge because of the rising cost of medical care. Your age also plays a role in how much you need to purchase. Generally, the first step is to work closely with your insurance provider to learn more about the types of health insurance you need and how to secure it. You’ll pay less if you are still in your 50s when you secure this policy, but premiums do change over time. Never under estimate the importance of having a policy that actually meets your needs and lasts for five or more years.

Get the right coverage for your needs. Call Wilber-Price Insurance Group at (800) 797-2016 for more information on long-term care insurance.

5 Things You Need to Know About Flood Insurance

Fri, 08 Oct 2021 14:44:00 GMT

1. Flood insurance must be purchased separately. Contrary to popular belief, standard home insurance policies do not include flood coverage. This coverage must either be added to your home insurance or purchased separately. Your independent insurance agent can help you find great coverage for the right price.

2. Floods can happen anywhere. Though some areas are designated as flood zones, floods can occur anywhere and at any time. In fact, 25 percent of flood insurance claims come from homeowners located in low- to moderate-risk areas.

3. Flood insurance has limits. Like any policy, flood insurance comes with coverage limits. Standard policies typically include up to $250,000 for your home and up to $100,000 for your belongings. However, you can purchase additional coverage if your property is worth more.

4. Don’t wait to act. When you buy a flood insurance, it usually has a 30-day waiting period before your coverage becomes active. So if you’re interested in flood insurance, it’s best to go ahead and get it now. If you wait until a big storm is predicted before you get coverage, you may be out of luck.

5. The price is lower than you may think. Many people cite the expense as the primary reason for neglecting to get flood insurance. However, the average annual premium for a flood insurance policy is only $650. While still an expense you may have to budget for, the price tag is much less than that of an actual flood and the damage it causes.

Get a quote today. Call Wilber-Price Insurance Group at (800) 797-2016 for more information on flood insurance.

Finding Affordable Life Insurance

Fri, 24 Sep 2021 22:13:00 GMT

Comparing the rates offered by different insurance providers is one of the most efficient ways of finding a policy that corresponds to your budget, which you can easily do with the help of an independent insurance agent. Independent insurance agents specialize in researching and comparing policies for their clients. This is a good way to save time since you will not have to do any in-depth research about insurance providers yourself. You should also be able to save money by trusting a professional with the task of finding an affordable life insurance policy.

Assess your needs and your budget before you contact an independent insurance agent. Your agent will be able to find an ideal policy once they have a better idea of how much you can afford to spend and how much coverage you need. Keep in mind that you might not be able to afford the most comprehensive policy, but purchasing some kind of coverage is still ideal in the fact that you’re actively taking steps to protect your family.

Your insurance agent will also help you decide on the type of coverage that is adapted to your needs. A term life insurance policy might be best for you if your primary goal is to protect your family in case something unexpected happens to you. If you want to purchase a life insurance policy as part of an estate planning process, a whole life insurance policy is a better option.

Purchasing life insurance can be confusing. If you are not sure where to start or can’t seem to find the ideal policy, get some help from an experienced independent agent. You will benefit from their knowledge of the insurance market and can even save money on your policy.

We’ll help you find a good rate. Call Wilber-Price Insurance at 800-797-2016 for more information on Ohio life insurance .

How to Keep Your Home Safe from Burglars

Thu, 09 Sep 2021 17:48:00 GMT

your home

The best option when it comes to the possibility of burglary is prevention. You should safeguard your home before anyone even thinks about breaking in and stealing. There are many ways you can do this, and not all of them require expensive anti-burglary systems.

On average, a burglary only lasts between 8 and 12 minutes. It’s a quick affair but can leave your family feeling nervous and violated. If that wasn’t enough, only about 13% of reported burglaries are actually solved. This is because burglars wait until there are no witnesses to strike. Be sure to safeguard your home to the fullest extent. The majority of burglars enter through the front door or a first floor window, so it may be best to reinforce those areas first and foremost.

What is Ransomware? How Can You Protect Against It?

Wed, 18 Aug 2021 21:47:00 GMT

cyber theft

What Exactly Is Ransomware?

Thieves gain access to your business’s operations online. In most cases, they hack into your systems. This may range from your operational systems to your financial data or employee files. Most often, thieves aim specifically for valuable information that they might be able to use to commit identity theft.

Then, the thieves lock you out from this data. This immediately creates a situation in which your business cannot operate. The thieves make demands from you. They might demand money in exchange for your organizational data. That is their way of trying to control you.

The key here is not simply to pay the fees demanded. In many cases, the thieves won’t release your data, anyway. Rather, it is to work with authorities if such a situation occurs.

Preventing Ransomware

A ransomware event can happen to all companies. It is impossible for you to prevent it 100% of the time. Even the largest and most-secure companies can have some exposure. You have to do what you can to prevent these accidents, nevertheless.

It goes without saying that the average firewall and virus program is not enough. Today, companies are investing in high tech solutions to minimize risks substantially. This may mean having an in-house or third-party cybersecurity team. It may mean investing heavily in systems that have ample safeguards in place to minimize the risk of a ransomware invasion.

What to Do When It Happens

If you find yourself facing ransomware, contact the authorities as a first step. Then, work with them and your business insurance company.

If you have cyber liability insurance, it may apply here. Policies may help you to secure information again. And, the insurer’s services may also help to minimize any further threats from occurring. Your policy may also offer support for protecting customer security because of the personal risks they face.

Though it is important for you to have comprehensive coverage to protect your business, you also must stay on top of cybersecurity risks . Have a team of professionals you can depend on throughout this process. The more insight and support you have, the more likely you are to avoid these scenarios.

What is Builder’s Risk Insurance?

Wed, 11 Aug 2021 21:40:00 GMT

home insurance

What is the likelihood of you needing this coverage? Storms, wind, fire and other wonders of nature cause over $70 billion of property loss each year on worksites. The longer construction goes on, the longer your project is exposed to risks that can’t yet be covered under home insurance. Purchasing builder’s risk insurance is a smart move if you have a lot of money invested in a project and/or if the property is located in an area prone to inclement weather or theft.

Builder’s risk insurance policies typically last for three, six or twelve months, with the option to extend coverage at least once if the project is still underway. You can expect coverage to cost anywhere from one to three percent of the total anticipated construction budget.

Ask your independent agent about builder’s risk insurance and how it can help protect your next home or business venture.

Get the coverage you need. Call Wilber-Price Insurance Group at (800) 797-2016 for more information on Ohio builders risk insurance.

General Liability Insurance for Physicians

Tue, 27 Jul 2021 15:59:00 GMT

Doctors likely need medical malpractice insurance, a type of liability coverage, to pay their patients in case they cause them harm in the course of treatment. However, medical malpractice insurance is very specific, and relates to medical errors. All the same, there are a lot of liabilities throughout your business that might impact your patients and other third parties who don’t work there. In these cases, a general liability insurance policy is likely the coverage you need. Here’s how this coverage can help you.

General liability insurance is a type of business insurance that applies to common or frequent commercial risks. These are the risks that not only exist in medical facilities, but also in any other type of business. Therefore, your practice needs to carry this coverage to help it protect itself in case of accidents both on and off the premises.

For example, think about all the people who pass through your medical practice. They might be:

Indeed, even strangers on the street might venture into the practice from time to time.

No matter how innocent anyone’s errand, there is a chance that they could experience harm just by walking onto your property. This chance of an accident happening is a liability. Liabilities are constant, but fluid. Some become higher risks in special situations. Others are always there, no matter how well you work to make the property safe. So, in other words, you always face the risk of something happening to someone else.

Why You Need Insurance for Them

Whenever someone experiences harm because of a liability within your business, they could hold the business responsible for their losses. Even if you didn’t intentionally try to harm someone, then you might still bear responsibility for failing to prevent their losses. That’s called negligence. And, if your negligence leads to harm to someone else, then you might have a responsibility to pay them for their losses. They might even sue you because the accident happened.

In these cases, a general liability insurance policy might be able to kick in and help you out. Policies apply to the costs that others experience when they have an accident while working with your practice.

Usually, the third party will file the claim and receive the compensation from your insurer. However, a general liability policy will protect your business, because by having it, you won’t have to pay for someone’s losses out-of-pocket. That’s a bit of cost savings for the business, which can be critical when accidents get costly.

Common General Liability Coverage Options

General liability insurance is one of the most-essential types of business coverage for a medical practice. It will cover what you might call the most-common third-party risks on the premises. Usually, policies include:

Other Protection

Even with the protection of a general liability policy, you might need additional coverage:

These aren’t all the liability policies your practice might need. None of them will apply to allegations of medical malpractice, either. Therefore, when getting a general liability policy, just remember that you have an obligation to get more coverage. Our agents are more than happy to advise you both on your coverage needs and the appropriate risk management.

Liability Coverage Options Within BOPS

Mon, 12 Jul 2021 15:44:00 GMT

Small business owners frequently buy business owners policies (BOPs) as a way to jumpstart their insurance portfolios. Among the coverage within your BOP is likely liability coverage. However, BOPs vary in the liability coverage options they offer. What coverage do you need to buy to ensure you have appropriate protection? Here’s a bit more information.

Business insurance is a wide market of numerous policies. You need several to ensure your small business has appropriate protection in the face of its operating risks. BOPs are essentially packages of coverage that offer the most-common and essential types of business coverage in one package.

The way car insurance can offer you multiple types of coverage, so, too, can BOPs. This is a great incentive for small business owners. By having a BOP:

And what exactly do BOPs cover? Usually, they include three or four of the most-common insurance among different businesses. These often are:

It is liability coverage that every business needs. Coverage doesn’t exactly apply to your own business. Rather, it covers the harm your business activities cause to other parties.

Liability Coverage in General

A liability is a responsibility that one person or party has for another. To insurers, your responsibility to others equals a risk. These are risks they might offer to pay for on your behalf. It is liability coverage that can help you pay for the harm you cause others.

Even if you didn’t intend for an accident to happen in your business, the fact is, it still did. It might harm clients, vendors and others. Therefore, liability coverage acts as a way for your business to pay for that harm. That can reduce the chances that you or your business will suffer significant losses because of these mistakes.

Frequent BOP Liability Options

The liability insurance within your BOP usually is commercial general liability (CGL) coverage. CGL policies apply to the common liability claims most business face. They often provide:

Additional Policy Options

A standard CGL policy usually won’t cover every type of harm you might do to another party. Therefore, you might need to enhance your coverage with additional liability protection.

In some cases, you can add these policy options directly to your BOP as endorsements. In others, however, you will have to buy separate coverage.

Still other liability coverage, like commercial auto liability coverage, are altogether separate from your general liability coverage. That’s why, even with a BOP, you likely need multiple insurance policies. Your agent, will ensure that any separate coverage still works in conjunction with the existing BOP.

As a result, you shouldn’t hesitate to buy the appropriate balance of coverage for your small business. Keep in mind, in some cases, your coverage is even a mandatory requirement.

Antique and Classic Car Insurance

Wed, 30 Jun 2021 15:00:00 GMT

classic car insurance

Before Obtaining Coverage

Prior to seeking out coverage, there are some things that you need to sort out. Primarily, you’ll need to determine how you will be using the vehicle, as this information will guide what type of policy you need.

Typical Coverage Inclusions

A typical classic car insurance policy includes the following:

Additional Coverage Options

Top Ways to Save On Your Premium

If you’re looking for ways to save money while still obtaining coverage, consider the following suggestions:

Understanding Life Insurance: A Lesson in Life Insurance

Fri, 11 Jun 2021 20:49:00 GMT

Click here to read the article ‘Understanding Life Insurance: A Lesson in Life Insurance’.

Need life insurance? Wilber-Price Insurance Group has you covered! Contact us today to learn more about life insurance policies.

Why People Buy Life Insurance

Fri, 11 Jun 2021 20:48:00 GMT

Wonder why to get life insurance? Click here to read the blog ‘Why People Buy Life Insurance”.

Need a life insurance policy? Click Here !

Are You Prepared? – Floods

Thu, 03 Jun 2021 15:54:00 GMT

Before a Flood
What would you do if your property were flooded? Are you prepared?

Even if you feel you live in a community with a low risk of flooding, remember that anywhere it rains, it can flood. Just because you haven’t experienced a flood in the past, does not mean you won’t in the future. Flood risk isn’t just based on history; it is also based on a number of factors including rainfall, topography, flood-control measures, river-flow and tidal-surge data, and changes due to new construction and development.

Flood-hazard maps have been created to show the flood risk for your community. This helps determine the type of flood insurance coverage you will need since standard homeowners insurance doesn’t cover flooding. The lower the degree of risk, the lower the flood insurance premium.

To prepare for a flood, you should:

During a Flood
If a flood is likely in your area, you should:

After a Flood
Your home has been flooded. Although floodwaters may be down in some areas, many dangers still exist. Here are some things to remember in the days ahead:

Staying Healthy
A flood can cause physical hazards and emotional stress. You need to look after yourself and your family as you focus on cleanup and repair.

Source: FEMA

When Does Farm Insurance Pay Out?

Thu, 20 May 2021 16:17:00 GMT

When Can a Farm Insurance Claim Be Denied?
There are a few reasons in which a farm insurance claim may be denied, such as if an accident is not covered by your policy. For example, there are a few exclusions in most farm insurance policies when it comes to death of cattle and livestock. If your livestock dies due to natural causes or old age, it may not be covered—meaning that a claim for compensation may be denied.

It is also important to remain consistent and available throughout the claims process. If there are any inconsistencies in the story you tell to your insurer and other relevant parties, you could have your farm insurance claim denied or extend the length of the process—which in turn draws out how long it can take to receive compensation.

Some states have laws mandating how long an insurance provider can take before approving and paying out a claim. In most states with these laws, the maximum is 30 days. Be sure to check with your state’s laws if you feel that the claims process with your insurer is taking longer than the maximum, reasonable limit.

Also remember that how compensation is calculated and paid out may vary depending on the area of farm insurance in which you have filed a claim. Compensation for liability, for example, will generally be paid directly to the victim rather than the farm unless expenses are related to defense costs and other lawsuit fees. Speak with your insurance agent if you have any questions about your farm insurance policy.

What Farm Insurance Coverage Do I Need?
Every venture is different, but a lot of farms face similar risks when it comes to operation. Recommended coverages under farm insurance include:

Farm Liability
Farm liability is a type of general liability insurance that covers claims against your farm concerning bodily injury, property damage and personal or advertising injury. If a visitor is injured on your farm by a piece of equipment or an animal, liability insurance can help pay for the medical bills and protect you from a related lawsuit.

Farm Dwelling Insurance
Farm dwelling insurance protects buildings you live in that may be on the farm’s property along with attached structures, such as a farmhouse and rental properties. This insurance covers you against loss or damage to your livable structures caused by fire, wind, hail, lightning, smoke, theft, vandalism and more.

Crop Insurance
Does your farm rely heavily on crops for income during certain months out of the year? Damage to or loss of these crops and cause significant financial damage to your farm’s income. Crop insurance offers compensation for crops that are lost or damaged due to floods, hail, drought and other extreme weather.

Farm Equipment Insurance
Farms operate primarily with the use of expensive equipment such as tractors and ploughs. Farm equipment insurance can step in and provide compensation for repairs or replacement if your expensive farm equipment stops working due to sudden breakdowns, fire, bad weather and more.

Livestock Insurance
If you have livestock on your farm, you will need to insure them, as well. Livestock such as pigs, cows and buffalo can be incredibly expensive. If your livestock passes away due to a collision with a vehicle or other accident, livestock insurance can provide compensation.

Farm Auto Insurance
The majority of farms use trucks and other vehicles to transport equipment and products. Farm auto insurance is a form of commercial auto insurance that provides coverage such as comprehensive, collision, liability, medical payments and uninsured/underinsured motorist.

Ask an insurance agent about your farm insurance options and be sure to keep your agent updated about changes in your coverage needs or if you need to file a claim.

Long-term Care Insurance

Mon, 10 May 2021 16:14:00 GMT

Long-term care (LTC)

What is long-term care insurance?
To combat the high costs of long-term care, LTC insurance protects individuals against incurring large out-of-pocket expenses in the future by paying affordable monthly premiums now. There are two different types of long-term care insurance policies available:

1. Individual long-term care insurance
2. Group long-term care insurance

Individual policies are generally purchased by people whose employers do not offer a group policy, or by those who feel that they need to supplement their employer’s policy to obtain the most coverage possible. If employers and associations offer long-term care insurance to employees in the form of a group long-term care insurance policy, the policy may not offer the same level of protection afforded by individual long-term care insurance policies. Prior to purchasing a group policy, it is wise to compare the level of protection offered and the level of protection guaranteed in comparable individual policies. Long-term care insurance policies should also clearly state if they are individual or group policies.

How does long-term care differ from disability insurance?
Although long-term care insurance evolved from income disability insurance, major medical insurance or disability insurance does not protect a policyholder in the same way. Unlike a health plan that may cover 30 days of recuperative time, a long-term plan will cover two years or more. Beyond that, disability insurance replaces only salary at the time of the injury, and does not cover the cost of care. The policyholder would then have to pay out-of-pocket for any ongoing long-term medical care due to his or her accident or injury.

Won’t Medicare cover the expenses of long-term care?
Medicare should not be considered as a resource for handling any substantial long-term care expenses. Medicare reimburses the qualified user for a maximum of 100 days, with the average period for repayment of expenses being a mere 28 days. This will not suffice, as long-term care can be extremely expensive.

How are long-term care insurance policies designed?
A long-term care insurance policy covers any or all of the following types of services:

Premiums are generally determined by the employee’s age at the time of enrollment and the benefits provided by the policy.

Most long-term care insurance policies pay a daily maximum benefit and a lifetime maximum benefit. Actual benefits are chosen at the time the policy is purchased. The daily maximum benefit for most long-term care insurance policies is usually less than the cost of one average day of long-term care service.

Most carriers offer two types of inflation protection:

1. Automatic inflation protection, in which benefits increase at a fixed percentage while the premium does not increase
2. Special offer inflation protection, in which the purchaser can choose to increase benefits periodically. The premium will increase if the benefits are increased.

Most states have adopted regulations that require companies to offer inflation protection. Policyholders may decide whether to buy the coverage.

What tax implications are associated with long-term care insurance?
The Health Insurance Portability and Accountability Act (HIPAA) provides some federal income tax advantages for tax-qualified long-term care policies. In general, some of these tax advantages include:

Some states have differing or additional laws in regards to taxes and long-term care policies. It is wise to check with a tax adviser or insurance agent for specific restrictions and rules that may apply before purchasing a policy or offering one to employees.

Where can I get more information about group long-term care insurance?
Group long-term care insurance may not be the right choice for all employers. Please contact your local insurance agent for more information. We welcome the opportunity to help your organization examine its plan design(s) and make recommendations for improvement.

Classic Car Insurance vs Normal Car Insurance

Fri, 30 Apr 2021 14:48:00 GMT

The key difference between classic car insurance and normal car insurance is the use. Most insurers place restrictions on the amount you can drive a classic vehicle. This is both to limit the risk of an accident for the classic car and can save you money.

Classic cars are generally used only for show, so traveling simply to car shows shouldn’t affect your classic car insurance premiums.

What is Considered a Classic Car?
Just because a car is old does not make it a classic car. Different elements determine if your car qualifies for classic car insurance.

Many insurance companies define classic cars as collectible cars. Being a collectible car generally means that the car is a vintage model that is desirable (well-maintained). The definition varies. Some insurance companies even place time limits on when a car is classic. A car built in 1970 may qualify as classic, but one built in 1980 may not.

What Type of Insurance Does My Classic Car Need?
Most classic car policies offer some of the same coverage as other auto policies, including state required liability.

In Ohio, for example, all drivers of any vehicle must carry at least:

Full coverage is recommended for most vehicles, however, especially you valuable classic car. Full coverage may include:

However, because your car is a classic car, you often use it in unique ways. You take it to auto shows, or only drive it seasonally.

Your auto insurance company may offer special coverage and certain discounts based on your habits. If you only use your car during certain times of the year, you may only need to buy a seasonal car insurance policy. You can often purchase additional coverage to protect your vehicle and liability claims that could exceed your vehicle’s minimum requirements.

You might also be able to add coverage riders to cover things like the replacement costs of classic parts.

How Much Does Classic Car Insurance Cost?
Keep in mind that car insurance rates are generally based on depreciating value. The less your car is worth, the lower insurance rate you will generally pay. Age depreciates the value of cars, but this is not necessarily true with classic cars. In fact, depending on the condition of the vehicle, you could see a rise in your vehicle’s value.

You may have spent a lot of money restoring your classic car. Your car may be worth much more because of your investments in it. You might wind up paying a higher insurance rate to protect the car based on its value.

Agencies might also set other parameters for the price of coverage. You might have to keep your car parked in a garage or service it regularly to keep your rates.

Other factors influencing the cost of your classic car may include your:

Connect with your insurance agent about ways you can save money on your classic car insurance. Ask about discounts you may qualify for as well as safety measures you may take to protect your classic car and lower your insurance rates.

Will Flood Insurance Cover Mold?

Tue, 20 Apr 2021 14:51:00 GMT

Mold isn’t just a nuisance for a property. It can also be exceptionally dangerous to the people in the home. While some varieties are harmless, the worst of the worst can be deadly. Flood insurance is available to property owners to stave off the damage from unexpected water, which makes it natural to ask whether such insurance will cover mold.

In certain cases, flood insurance can cover mold infestation. However, the homeowner is required to prove that the mold stemmed from a covered reason. In other words, if a sink pipe bursts from old age and you blame the resulting mold on a recent storm, this claim will be denied. Mold is generally seen as negligence, which means it grows overtime and can generally be prevented. You will have to make your case that you were unable to prevent or treat mold before it caused damaged.

When it comes down to it, all insurance claims are evaluated on a case-by-case basis. However, this statement is particularly true for mold cases. Because mold can hide deep in the walls of a property, it’s not always easy to determine the source of it. It’s possible for an insurance policy to examine all the evidence of a claim and still come to the wrong conclusion.

Homeowners are also required to take action and eliminate as much mold as possible (preferably the moment they become aware of it). So, if a resident notices mold in the corner of the basement, they’re expected to take reasonable mitigation steps. This may include drying the basement out to ensure that no future mold forms or it may mean administering some sort of common mold killer to the area. This may not kill the mold entirely, but it can prevent it from spreading. Any expenses used for this are typically covered under a flood insurance policy, as are additional professional repairs needed after that.

Mold can be notoriously difficult to get rid of, and it’s not always safe for homeowners to attempt DIY removal. A professional will be able to not only test the type of mold you have, they can also test the home and grounds to ensure it’s not hiding anywhere else on the property. Flood insurance can be the key to taking care of mold as soon as possible. It can both preserve the home’s value and protect the people who live in it.

Is Flood Insurance Required?
Flood insurance isn’t generally required by any state or federal law. If you live in certain flood zones, you could be required or recommended to carry flood insurance by your lender or landlord as part of your property policy. If you have a home or renters insurance policy, be sure to ask your insurance agent about adding flood insurance coverage to your policy.

Not all insurers provide flood insurance, however, so it is important to find an insurance provider that offers flood insurance at the price and coverage limits you need.

How Much Does Flood Insurance Cost?
The cost of flood insurance varies depending on your location, credit score, value of the home and belongings being insured, history of claims, coverage limits and other factors. On average, you may pay around $700 a year for flood insurance. You can often save money on this coverage by bundling it with other property coverages such as home insurance or commercial property insurance.

Tips for Preventing Mold
Although a bad flood can make it difficult to prevent mold, there are steps you can take day to day in order to lower the risk of mold in your home. This includes:

Mold prevention is crucial, as it can be more difficult to treat it once it arrives before it causes severe damage. Make sure to protect your home from mold and flood damage as much as possible. If you have any questions about the coverage offered under your home insurance policy, be sure to speak with your insurance agent.

Why High-Value Homeowners Need Umbrella Insurance

Wed, 31 Mar 2021 07:00:00 GMT

Many people think that property and liability insurance coverage are separate benefits within the confines of homeowners insurance. While this is true, it does not mean that one benefit cannot influence the other. Often, if you have a high-value property, then you usually need more liability insurance. This is because of the effect this excess property value has on the risks present on your property. Sometimes, you should even consider investing in an umbrella liability insurance plan.

Let’s take a closer look at the liabilities associated with living in a high-value home, and how umbrella liability insurance will be there to assist you.

Understanding High-Value Homeowners Insurance
High-value homes don’t have to be thought of as fancy or large homes (I.e. mansions). They might simply be homes where there is significant value attached to both the land and dwelling due to certain features, including construction specifications and location. Under these conditions, it will require a lot of money to repair or replace the home following unexpected property damage.

Under these circumstances, the benefits provided by a standard homeowners insurance policy generally will not provide an appropriate amount of coverage for the high-value homeowner. Rather, a high-value homeowners policy will provide more expansive benefits, which can more effectively protect both the full value of and the unique features within the insured property.

Liability Insurance for High-Value Homeowners
High-value homeowners policies will include substantially higher dwelling coverage limits than the average plan, but they can also include higher liability insurance limits. This is the coverage that will compensate a third party if they sustain an injury while on your property, or if you are at fault for property damage to their belongings.

This is an important benefit to have because if something does go wrong in your home, and someone who was visiting the property does sustain harm, it will help you compensate that person appropriately. For example, if a neighbor falls on your pool deck and sustains a severe injury, they might expect you to pay for their medical bills, lost income and other hardships. Liability insurance will help you do so.

Even if you didn’t intend for an accident to occur in your home, the fact that it happened on your watch might still make you responsible for the injured party’s losses. It is often a question of negligence—whether you did your due diligence to prevent an accident as best you could—that will determine if you must compensate a third party using your liability insurance.

While high-value homeowners policies will have ample liability insurance limits attached, they are not a guarantee that you will have coverage for 100% of the compensation demanded of you in a claims scenario. It is at this point that an umbrella liability insurance plan will come in handy.

Umbrella Insurance for High-Value Homeowners
When someone files a liability claim against your homeowners insurance policy, it is your hope that the amount of their claim will fall below the limit of your benefits. However, if a claim ever does extend beyond the limits of your coverage, then you will face an additional cost burden that you might not be able to cover on your own.

Suppose, for example, that your homeowners policy includes a liability insurance limit of $1 million. However, a neighbor who gets hurt on your property decides to sue you for $1.5 million. At this point, your $1 million worth of liability insurance can assist you, but that still leaves an outstanding cost of $500,000 that you might have to pay on your own.

At this point, umbrella liability insurance can become a very helpful benefit. It will kick in once your policy exceeds the value of your standard plan. So, after your homeowners liability coverage pays its $1 million, your umbrella plan can provide the additional $500,000. Therefore, it will ensure that you aren’t faced with paying that astronomical sum out of your own pocket.

Plus, some umbrella policies can insure you under circumstances where your standard plan won’t. For example, you might find that your standard policy won’t cover accidents occurring in your swimming pool. However, if someone gets hurt in your pool, then you might still need to file a claim against a liability policy to assist them in their recovery. Under the circumstances, your umbrella policy might cover the entirety of this claim.

Regardless of the amount of liability insurance within your homeowners policy, there is always an added benefit to adding umbrella insurance to your personal insurance portfolio. It is generally cost-effective and easy to enroll, and your agent will be there to help you every step of the way.

How Do Life Insurance Payouts Work?

Mon, 22 Mar 2021 21:41:00 GMT

life insurance policy

There are many misconceptions when it comes to how your life insurance payments will work. However, with the help of your agent, you can ensure that you are well aware of the circumstances that govern the payment of benefits, and make any changes necessary to tailor these conditions to your advantage.

Naming Beneficiaries
The primary financial component of your life insurance policy is the death benefit. Upon your death, this money will be paid to a surviving party of your choosing, who you will be able to name at the time that you enroll in your policy. This is your policy’s beneficiary.

Beneficiaries are typically members of your family, though in reality, they typically can be anyone who has reached an age of legal majority. However, it is still important to choose someone whom you both know and trust. Usually, you should choose someone who will need to financial assistance upon your death. This might be a spouse, dependent relative or other person who will benefit from financial assistance because you are no longer alive to use your own income to support.

At this time, your financial advisor or estate planner can help guide you through the process of choosing the right beneficiary. They will be able to gain a clear picture of your long-term financial outlook, and help you determine in what ways life insurance could be beneficial no matter when you die.

Filing a Claim
The insured party under the life insurance policy does not file the claim for the death benefit; they will be dead when the process begins. At this time, the beneficiary will initiate the claim.

Usually, beneficiaries should begin the process of filing the death benefit claim as soon as possible after the insured’s death. There is no need to file on the date of death, nor at any time before final arrangements are made. However, as the process of settling the deceased’s estate and paying final expenses begins, it is at this time that the beneficiary will find a death benefit payout beneficial.

Circumstances differ on how insurers handle claims. The beneficiary will have to provide proof of death for the insured (I.e. a death certificate, etc.), and possibly other documentation to verify the deceased’s identity. At this time, the insurer might initiate an investigation to validate that the death did not occur due to an excluded condition.

For example, if someone dies in a murder or as a result of suicide, many policies will not pay benefits. There will also be an investigation if the cause of death is in any way ruled as an undetermined or suspicious event. Some policies also will not pay if the insured died within a certain time period (such as one year) of purchasing the policy. Claims will also be denied if the insurer finds that the policy was purchased under fraudulent pretenses.

What Life Insurance Covers

Upon payment of the death benefit, a beneficiary can use the funds in numerous ways. Plans can pay for costs like:

As discussed earlier, these benefits are tailored for beneficiaries that would suffer great financial loss after the policyholder’s death. In an obvious example of their perks, they can assist your spouse if they suddenly find themselves struggling to pay the mortgage on a single paycheck after your death. Keep in mind, it might take time after the filing of a claim for the beneficiary to receive the death benefit, so it helps a beneficiary to keep tabs on expenses arising as a result of the death.

How Much is a Life Insurance Benefit Payout?
The amount a beneficiary will receive depends on the policyholder and the life insurance policy. Most insurance professionals recommend that you purchase 10 to 12 times your annual income in life insurance. As such, the payout your beneficiaries receive can be directly linked to the financial assistance and income you would have provided them had you not passed away.

Every family’s situation is unique. Whenever you’re looking for a life insurance policy, be sure to speak with an insurance expert and a financial professional about how much coverage you and your beneficiaries will need.

Why and When You Need Cyber Liability Insurance

Wed, 24 Feb 2021 22:31:00 GMT

Nearly every American business uses technology in some form or other, and your company’s data network might be your primary storage space for countless sensitive items. Today, it’s possible to store anything from company materials to customer data on your servers, but these data networks have to function properly in order to provide optimal results. Unfortunately, they are not […]

Do Independent Contractors Need Expansive Insurance?

Tue, 16 Feb 2021 20:08:00 GMT

Still, though you might be a smaller contractor, you still need most of the same types of coverage as any business in the same industry. Because you are independent, you bear the brunt of a lot of liabilities that come with working on projects for clients. Bodily injuries, property damage and advertising injuries (among countless other issues), are all dangers that you face in your line of work. Damaging incidents could challenge not only your clients, but also your own assets and sustainability.

It’s imperative that you have far-reaching commercial insurance as a contractor, no matter how big or small your operation. The more expansive your benefits, the better you will be able to withstand the challenges that often come from unexpected problems, no matter how big or small.

What Insurance Do You Need as an Independent Contractor?
Independent contractors often function as businesses within themselves. Therefore, it’s up to the owner to acquire appropriate property & casualty insurance benefits that they can use to their advantages. While the precise coverage that a contractor might need can vary considerably, among the most purchased are:

How To Get The Right Coverage
As an independent contractor, you probably have relatively limited financial resources available to support your commercial insurance options. The good news is that in many cases, you will qualify to combine several essential benefits through a business owners policy (BOP). BOPs allow small business owners to package foundational benefits (usually property, liability and business interruption coverage) in one place and at one price.

Still, you can and should carry additional benefits alongside your BOP. Besides builder’s risk and commercial auto coverage, consider investing in:

Of course, the cost of a commercial insurance portfolio will vary considerably based on factors like your claims history, credit history, the location of your business and the types and amounts of coverage that you buy. However, by working with your insurance agent to precisely note where your coverage needs lie, you will be able to customize your plan to your advantage. We are here to help you do so.

When is General Liability Insurance Required?

Fri, 29 Jan 2021 19:29:00 GMT

General liability insurance

This could include real estate agents, retail stores, restaurants, independent contractors and more.

If you deal with people on a daily basis throughout your business’ operations, you will likely need general liability insurance. In relation, you may also need general liability insurance to obtain certain licenses to operate. Be sure to check your industry’s requirements when looking to start a business or get a license in a certain field, as you may need general liability and other insurance policies such as professional liability and liquor liability.

Who Needs General Liability Insurance?
Even without a requirement, essentially every business needs general liability insurance. Practically every business faces claims with it comes to general liability accidents. This includes businesses such as:

Many of these are due to having a physical location or physically interacting with clients. If you invite customers into your restaurant and someone is injured, for example, general liability insurance can help with their medical bills as well as cover you in case of a lawsuit.

What Does General Liability Insurance Cover?
General liability insurance is designed to cover liability accidents your business may face day to day. This includes:

General liability insurance can help protect you against lawsuit costs such as defense costs, court fees and settlement expenses.

What Does General Liability Insurance Not Cover?
Unfortunately, a basic general liability insurance policy will not cover everything. General liability only covers non-professional negligent accidents. This means liability issues that occur unrelated to a professional service.

Be sure to ask your insurance agent about additional liability coverage your business could use, such as:

How Much is General Liability Insurance?
The cost of general liability insurance varies depending on several factors including your location, industry, claims history, coverage limits, deductible and other factors.

Ask an insurance agent today about insuring your business with the most reliable general liability insurance policy possible. No two businesses are the same and you will need a policy tailored for your business.

How Much Liability Insurance is in a Business Owners Policy?

Tue, 12 Jan 2021 21:49:00 GMT

Any small business in a low risk industry should consider a business owners policy (BOP) when it comes to insurance. This type of policy includes various types of insurance coverages built specifically for small businesses in low risk industries, including liability insurance.

Liability insurance protects you, your employees and your business as a whole from various incidents that could result in a lawsuit. If a claim is filed against your business, you should be able to file a claim on your liability policy. Your BOP may not automatically come with all of the liability coverage you need, however.

A basic BOP covers two main parts:

General Liability
General liability insurance provides compensation for claims concerning bodily injury, property damage and personal and advertising injury. If someone is injured on your business’ property, for example, this insurance can help cover the victim’s medical bills as well as cover the business’ legal expenses in the face of a related lawsuit.

Personal and advertising injury coverage, on the other hand, covers less physical accusations such as those concerning libel, slander, copyright infringement, theft of an advertising idea and more.

Commercial Property Insurance
Commercial property insurance covers the physical property owned by your business, such as a store or restaurant, as well as its contents and some equipment. This insurance can cover loss or damage incurred by fire, wind, hail, lightning, explosions, smoke, theft, vandalism and more. It also may come with Business Interruption Insurance, which can help cover your business’ income if it is no longer able to operate due to a disaster or government mandate.

How Much General Liability Does My Business Owners Policy Cover?
Every business and every insurance policy is different. Your BOP should be geared to cover your specific needs. Most BOPs may include general liability limits of $1 million or $2 million per year, but you should speak with your insurance agent if you believe that your business needs higher amounts of coverage.

General liability insurance also isn’t the only type of liability your business may need. There are some accidents and lawsuits that are not covered by general liability insurance, leaving potential gaps in your business’ coverage.

What Liability Insurance Do I Need for My Business Owners Policy?
Since your business is unique, the type of coverage you should have is also unique. Does your company offer specialized services that, if gone wrong, could cost a client money? Does your business use vehicles that could cause accidents on the road?

Carefully consider your business’ needs when looking for coverage. Some common and useful liability insurance coverages you may add to a bop include:

Professional Liability
Professional liability insurance covers incidents of professional negligence, meaning mistakes made during a professional service that may cause a client to lose money. If you run an accounting firm and an accountant miscalculates and causes a client to lose money, for example, professional liability insurance can step in to help pay for the damages and potential fallout. This insurance is known by different names depending on your industry, as well, such as Errors and Omissions insurance or medical malpractice insurance. Medical malpractice may occur when a healthcare provider makes a mistake that further injures a patient, such as conducting an unnecessary surgery or failing to follow up after a major procedure.

Cyber Liability
Cyber liability insurance covers claims against your business if you suffer a cyber attack or data breach on your electronically stored information. This is especially important for businesses that carry a lot of important client information, such as medical history, credit card information and addresses. This insurance can help pay for repairs as well as some recovery expenses.

Directors and Officers Liability
Directors and officers liability insurance covers the key employees of your business in case of claims regarding their work for the board or business, such as fraud and misrepresentation. This insurance may also come with Employment Practices Liability (EPLI), which covers claims regarding discrimination, sexual harassment, failure to promote, mismanagement of employee benefits and more.

Commercial Auto Liability
Commercial auto insurance covers vehicles owned or used by a business for work purposes. If your company uses company cars or trucks to transport equipment, for example, you may need commercial auto insurance. Part of these policies cover bodily injury and property damage liability, which covers property damage and injury your driver may cause someone else while operating a business vehicle.

Umbrella Liability
Umbrella liability is a catch-all type of insurance policy that steps in to fill the gaps of any of your other liability insurance policies. If the liability on your commercial auto insurance policy reaches its limit for a claim, for example, umbrella liability insurance can step in to pay the remaining expenses.

How Many People Can I Add to My Car Insurance Policy?

Tue, 29 Dec 2020 17:09:00 GMT

Maximum Drivers

The maximum number of drivers you may add to a single car insurance policy is generally 4 or 5, although this can vary depending on your insurance provider. It may also depend on how many vehicles you have on your policy, the limits of which can also vary.

Who Can You Add to a Car Insurance Policy?

In general, the only people you may add to your car insurance policy are those who live at your same address, including family members. You can add non-family members to an auto insurance policy such as unmarried partners and roommates, but this is generally advised against.

There are some individuals that may not be covered under your auto insurance policy even if they live in the same household, however. These are called excluded drivers. Excluded drivers are typically high risk drivers that an insurance provider excludes from a policy. For example, say your roommate is a high risk driver, meaning they have a poor driving record or significantly low credit score. An insurance provider may insure your vehicle on the promise that you will not let your roommate operate the vehicle. If you do give permission to your roommate to drive the vehicle, they will not be covered for any accidents that occur. The incident can also lead to your policy being cancelled.

Insurance agents may recommend you keep the amount of people on your car insurance policy to a minimum.

Why Should You Not Add People to Your Car Insurance Policy?

Adding other drivers to your policy can be the best decision in a lot of cases, but it is a decision that should not be taken lightly for a variety of reasons. In part, it is because you will not share the risk level of the other driver when it comes to your car insurance premiums.

Excluded drivers, for example, are seen by the insurance provider as too risky to insure, meaning they are likely to file a claim and cost the insurer money. When you add another driver to your policy, their risk transfers to your policy. The more likely they are to file a claim, the more an insurer may charge to cover them, you and your vehicle. This is why parents often see a significant rise in their auto insurance premiums after adding their teenage driver to a policy, as teenagers are the age group considered at the highest risk of an accident.

The other driver’s credit score can also influence your car insurance rates.

This isn’t to say that you should never add another driver to your policy, however. In fact, adding someone with a better driving record or credit score can actually help save you money on car insurance, especially if you’re struggling to file a policy. First, be sure to speak with your insurance agent and ask what the best course of action is. Also keep in mind that coverage on policies may change if someone within your household moves out (such as if you break up with your partner while they are on your car insurance policy).

How Much Does It Cost to Add Someone Else to Your Car Insurance Policy?

In general, you could see a rise by 100% or more in your annual premiums after adding another driver to your car insurance policy. This depends on several factors, however, such as:

Adding another vehicle to your policy along with another driver may cost more than simply adding another driver to your single vehicle policy depending on different aspects of the vehicle. More expensive vehicles as well as those built for speed (such as sports cars) typically cost more to insure while vehicles with high safety ratings can cost less to insure.

No matter who you plan on adding to your policy, speak with an insurance agent about how it will affect your credit and insurance rates. Limitations and rules by differ state by state.

Do I Need Endorsements on My Home Insurance Policy?

Wed, 16 Dec 2020 22:53:00 GMT

Your home is an important staple and your life, which is why it is so important to keep it—and everything in it—protected with the right home insurance policy. Unfortunately, not all home insurance policies are created equal, and many homeowners end up paying too much for policies that aren’t tailored to fit their home.

There are different ways to adjust your home insurance policy to match your specific needs and prevent an uncovered accident leading to a denied claim.

First, it is important to note what your home insurance policy covers and what you can add to cover your unique insurance needs.

5 Main Reasons For Financial Devastation

Mon, 14 Sep 2020 21:52:00 GMT

Can you guess 5 main reasons we see families needlessly suffer financial devastation? Watch and find out!

Call Wilber-Price Insurance Group in Loveland OH at (513) 239-8610

An Intro To Wilber-Price Insurance Group

Thu, 13 Aug 2020 21:55:00 GMT

At Wilber-Price Insurance Group, we believe you deserve top quality service… Period. That’s why we’re committed to giving you the best of us. We’ll always make sure you have the right coverage, the right discounts, and can take comfort in knowing the things that matter most to you are protected. We also believe in giving back! As Agents of Change in our community, we’re dedicated to helping others live well and thrive!

Call Wilber-Price Insurance Group in Loveland OH at (513) 239-8610

Sump Pump Failure and Insurance Claims

Sat, 04 Jul 2020 22:04:00 GMT

Don: Hello, this is Don Shrout with the Wilber Price Insurance Group in Loveland, Ohio. I’m here today to talk about sump pumps. Sump pump failure is probably one of our biggest claims in the insurance industry, so just want to give you a little information on that subject. Thanks.
This is the sump pump in my basement. I do have a battery backup, so you can see there’s a battery there and if you go up, I mounted the controller that keeps track of the battery charge and trickled charges as needed. And also, you can see that I have a cover on the sump pump and if you have kids or something that are throwing things around the basement, it’s a good idea to have a cover on it so it doesn’t interfere with the pump or get stuck in there and cause a problem with the some pump.
This is looking down inside my sump pump. As you can see, I have two pumps. One is the electric pump and one is the battery backup pump. The floats are set at different heights so that the electric one is the primary one, and then the battery backup will only kick in if the primary fails and needs to pump water.
As I said, the water backup is probably one of the most frequent claims in the insurance industry, and I do have a finished basement. So what I did is I set up a second sump pump. It’s never been used. It’s brand new, sitting next to my sump pump. If for some reason both of those failed, which would be very unlikely, I can drop this down in. I have a screwdriver sitting there to loosen the clamps and tighten the new ones, and so I can be up and running in probably less than five minutes if the whole thing happens to fail.
As I mentioned, the average sump pump lasts about 10 years and a battery lasts about five years. So a good rule of thumb is when you replace the battery the second time, it’s probably also a good idea to replace the palm. Now I date the top of my batteries so that I can keep track of when I put them in. And that’s a good way to keep track of when the sump pump and a battery need to be replaced.
One other thing you can do is after heavy rains, you might want to go down and check your basement. Even though I have alarms and stuff, I still occasionally go down in the basement and make sure that there is no water or the carpet’s not wet in any areas. And again, just to be a little bit proactive from that standpoint. So I appreciate you watching the video. Thanks. And have a great day.

Wilber-Price Insurance Group Concierge Program

Tue, 23 Jun 2020 21:56:00 GMT

Finding the best service providers in town can be frustrating. That no longer needs to be the case, because Wilber-Price Insurance Group has a listing of other local businesses that have been highly recommended by our valued customers!

Call Wilber-Price Insurance Group in Loveland OH at (513) 239-8610

Do I need renters insurance?

Mon, 01 Jun 2020 21:58:00 GMT

Number one, it’s affordable. The average policy costs $187 a year. Number two, it covers losses to personal belongings. This could include furniture, clothes, jewelry or electronics. In essence, anything you own under your roof, you are renting, having protected against theft, vandalism, fire, lightning, and many other perils.

Number three, your landlord might require it. In fact, their insurance company might require them to have all their tenants have a policy. This helps take some of the risks off of them. Number four, it provides liability coverage. This provides protection if someone is injured while in your house, or if you accidentally injure someone. Number five, it covers your belongings when you travel, it covers your personal belongings, whether they’re in your home, your car, or with you when you travel. And number six, it may cover additional living expense. If you’re home becomes unlivable due to a covered loss, this helps cover the additional living expense or a cost to living somewhere else.

If you need help in purchasing this important protection, please give us a call at +1 800-797-2016. We will be happy to assist you in a no-obligation quote.

Call Wilber-Price Insurance Group in Loveland OH at (513) 239-8610

Will Auto Insurance Cover Medical Expenses?

Tue, 19 May 2020 21:59:00 GMT

Hi everybody. This is Zac Messer with Wilber-Price Insurance Group, and I’m going to answer one of the more commonly asked questions that we see online. That question is: Does car insurance cover medical payments? The very short answer is: Yes it can. There is an optional coverage, meaning not required by the state, called medical payments or Med Pay for short. Med Pay is going to cover the medical costs resulting from an auto accident, regardless of who is at fault and it also extends to passengers.

So whether or not you are at fault, the medical payments can cover things like ambulance rides or X-rays, things that are done at the hospital. Even if you have health insurance, it’s a good thing to consider because it can cover things like chiropractic services or dental services that your health insurance might not cover. It can also work in conjunction with your health insurance because Med Pay can often pay deductibles or copays. So medical payments, even though they’re not 100% required, are definitely a good coverage to add to your policy, to protect you and anyone you’re driving with.

If you have any questions about this or any other issues, please give us a call at Wilber-Price. Again, my name is Zac Messer, and I hope this helped inform you.

Call Wilber-Price Insurance Group in Loveland OH at (513) 239-8610

Are You Over Insured?

Fri, 15 May 2020 22:01:00 GMT

Hello, I’m David Doyle at Wilber-Price Insurance Group. We’d like to take a moment today and talk about a question we get quite a bit revolving around homeowners insurance and that’s, “David, I think I’m over insured.” And where’s that question coming from? And there’s really three numbers that we want to look at. The first number is the number that the county uses for your taxes. Every county uses a different formula and they put together a taxable value of your home. You honestly want that number to be as low as it can be because that’s what you pay taxes on.
The second number would be you call your realtor and I’m going to pull some numbers out of the air. Let’s say that taxable value was $100,000. So you call your realtor and say, “Hey, what can I sell my home for?” And the realtor says, “Well, based on the age of your home, based on your carpet and how old your kitchen cabinets are and things of that nature, you know what, I think I can get $150,000 for that home.” That’s called the market value. What will the market pay for my home?
You then open your insurance policy from Wilber-Price, and it says you’re insured for $200,000. And you think, “Why am I doing that?” Well, it’s really pretty simple. That $200,000 is what’s called replacement cost. What’s it going to cost to build my home back with today’s materials, today’s labor, everything new? So it’d be easy to understand why that number is going to be $200,000. And that’s really, again, the amount of coverage that you want because you want your home put back.
Just about every insurance company uses the Marshall Swift/Boeckh construction cost estimator. It takes your square footage, number of bedrooms, number of bathrooms, how big your kitchen is, how many car garage, all of that together and puts it on a chart and says, “This is what it’s going to cost to build it back.” And they’re pretty accurate.
Most insurance companies also offer a buffer, 25% or 50%, and where that’s important would be that tornado comes through and hits your house and the neighbor’s house, and three other houses on the street, down the street, next block, et cetera. A lot of homes damaged. What’s going to happen in that situation is now lumber, the cost of lumber, just went out the ceiling, as well as the labor. So with a 50% buffer, your $200,000 policy will actually go all the way up to $300,000, 200 plus 50%, to put your home back, put it back at full replacement costs like you want.
I hope that answers your questions. Call the office, we’d be more than happy to go through it some more with you, answer any other questions that you’ve got. The ultimate thing is for you to have the right amount of coverage and enough coverage to put you back in a new home. Thank you for your time and Wilber-Price thanks you for your business. Have a good day.

Call Wilber-Price Insurance Group in Loveland at (513) 239-8610

What is Umbrella Insurance?

Fri, 15 May 2020 22:00:00 GMT

Hello. I’m David Doyle at Wilber-Price Insurance Group. Today, we’d like to talk about something that maybe you’ve heard of, and maybe you haven’t and that’s called a liability umbrella. Now, what does that mean? Your automobile insurance policy has liability in it. In other words, if you get involved in an accident and you damage somebody else’s property, their car or they’re hurt, they have to go to the hospital, your liability is what steps in to take care of those expenses. Your homeowner’s policy also has liability. Somebody could fall down and get hurt. Myriad of different things can happen in a home that would cause somebody to need to seek medical attention from being in the home or on the property. So your liability from your homeowners policy would step in to take care of those expenses.
But let’s say it’s really a bad situation. Somebody is really hurt. Maybe that’s more likely on the auto policy than the home, but it can happen either way. So an umbrella sits on top of both the auto and the home policy so that in that event, there’s plenty of money to take care of that liability exposure. So, for example, for a relatively small amount of premium, you could have a $1 million checkbook that would be open to you for the company to take care of those costs and those expenses, because somebody really got hurt and that can go to 2 million, it could even go 3 million. It really depends on your assets because a judge could come in and say, “Hey, we’re going to seize your 401k. We’re going to seize your pension. We’re going to seize your savings accounts or the equity in your home because this person is really hurt.” And that’s where that liability umbrella steps in and takes care of all of that.
It really is an important piece of your protection that you need to look at. So we ask you to call our office and just have that conversation. Let us go through the situation and just see if an umbrella looks good for you. That’s what we do at Wilber-Price. We thank you for your time and we thank you for your business. Give us a call. We want to help you in any way that we can. Have a good day.

Call Wilber-Price Insurance Group in Loveland at (513) 239-8610

Introducing SmartMiles by Nationwide

Wed, 13 May 2020 22:03:00 GMT

Hey everyone. My name is Jody from Wilber-Price, and I wanted to introduce to you Smart Miles from Nationwide Insurance. I am super excited about this program because we have had so many people ask us if there is a better car insurance option out there for people who actually drive less. And now there is, thanks to the Smart Miles Pay Per Mile Program. Smart Miles provides the same coverage as your traditional auto policy, but with the flexibility of a monthly rate, that varies based on the number of miles you drive, the fewer miles you drive, the lower your monthly bill. So if you live and work downtown or you use public transportation quite a bit, you work from home, or say you have a vehicle that you really just don’t drive anymore, I think Smart Miles would be great for you. Here’s how it works.

Your personalized rate is going to be divided into two parts. You’ll have a base rate and a variable cost per mile. To calculate your monthly payment, what we do is we add the base rate to the cost per mile rate multiplied by the number of miles you drive in that month. Your rate’s going to vary from month to month based on the number of miles you drive, so the less miles you drive, the more you actually save. Once you sign up for the program, you will get a small device that plugs into your car, which is super easy to install. This device is what actually continues to measure the number of miles that you actually drive. It’s super simple. There’s nothing else you need to do, just plug that in. You also have a personalized dashboard online that you can go to at any time to track your mileage and see what your monthly payments are going to be.

The dashboard is also going to show you how far your actual mileage is from your estimated mileage. You’ll also receive monthly emails, keeping you up to date on the number of miles that you drive. If you’re concerned about maybe a road trip that you have coming up, don’t worry about that because Smart Miles actually has a road trip exception where only the first 250 miles driven will count in a single day. And they also offer a safe driving behavior discount through Smart Miles. That can be up to 10%. And I think that is awesome to reward people who actually have safe driving habits. So go ahead and give us a call at the office here. One 800-797-2016 and you can go ahead and switch to pay per mile insurance that fits your lifestyle. Also, if you have any questions, you can drop a comment on the video below, or give us a call at the office as well. We look forward to hearing from everyone today and hope that you can really benefit from this new program. Thanks everyone. Have a great day.

Call Wilber-Price Insurance Group in Loveland OH at (513) 239-8610

Why is it important to have insurance in place?

Wed, 13 May 2020 22:02:00 GMT

Hello everyone. My name is Pearl DeLuca with the Wilber-Price Insurance Group. People often ask, “Why is it important to have insurance in place?” First and foremost, buying insurance is the most important thing you can do to ensure that you are financially secure to face any type of problem in life. An example, an unexpected auto accident or a catastrophic event like a tornado. This is why insurance is a very important part of financial planning when protecting your assets. Here at Wilber-Price, we can help you with that. Our seasoned sales professionals are skilled enough to design a customized insurance package to cover your home, auto, motorcycle, farm, commercial, and any other needs that you have, especially life insurance. So please give us a call today at 800-797-2016 for a customized quote today. Thank you and make it a great day.

Call Wilber-Price Insurance Group in Loveland OH at (513) 239-8610

Homeowners Insurance From Wilber-Price Insurance Group

Tue, 25 Dec 2018 23:05:00 GMT

Do you have any questions about homeowners insurance coverages? We’d be happy to help!

The Advantages of Our Workplace Supplemental Benefits Offerings

Fri, 02 Nov 2018 22:08:00 GMT

Did you know that there is a solution to rising healthcare costs that can save both employees and employers money?