Family owned and operating: Newsletter

To our Valued Customers,

We want to personally thank you for your business and your referrals. We pride ourselves in providing you great service and are now celebrating our 49^thyear in business.

We want to highlight some of the changes we see that may impact your policy and also discuss some of the different products and discounts that are available. Always remember it is important to read your policy and let us know if you have any questions.

Automobile Insurance:

Premium: Companies will be reviewing driving records and claims as well as credit history to make sure the customer falls within their guidelines. They will make adjustments to rates if additional violations or claims should occur.

Discounts: Most of our companies are offering discounts for: Mature drivers, Good credit history, Claims free, Homeownership, College graduate, Alumni discount and Multi-policy discounts for home and auto policies. Some of our companies now offer from 2 to 5% discount if you have a Life insurance policy or an Annuity with them.

Homeowners:

Insurance to Value: The companies continue to review their property book of business. The Companies are verifying that the homes have current insurance to value. For older homes, some of the companies are giving options for: Replacement cost with original materials or Functional replacement cost with current construction materials. The companies give you the option to choose.

Losses: Companies watch loss frequency or the number of claims you have. If you have any questions, just give us a call and we can review that with you. Some of the companies have now started to apply loss surcharges after a claim occurs. This is another option they take instead of cancelling out the policy altogether.

Discounts: The companies offer discounts such as: a good credit history, no losses, smoke detectors, dead bolt locks, and a central alarm system. If you have done updates to your roof, electric system, plumbing or furnace let us know as your company may offer a reduction to your premium.

New Coverage Options: Identity Theft Protection, Equipment Breakdown Coverage. Various limits of protection are available.