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3 days ago

When Liability Coverage Only Makes Sense

You get a copy of your car insurance policy in the mail and you can’t believe the cost. For one six-month period, you may be paying several hundreds of dollars. While the coverage is required by law, the cost can hit your budget hard. To reduce the cost of premiums, you may think about dropping the most expensive portion of your policy – the comprehensive/collision coverage.

 

Things to Consider When Dropping Full Coverage

 

Also known as full coverage car insurance, comprehensive/collision insurance is usually an important part of your policy. Before you decide to drop it, realize that you will have no help in paying for repairs if the vehicle is damaged. It will be all out-of-pocket expenses.

 

Your lender may require full coverage if you have a loan on your vehicle. If you drop the coverage, they may terminate your loan or buy coverage for you and add it to your monthly payments. This protects their investment if your vehicle should be damaged.

 

If you own an expensive model or a classic, repairs may be more costly than what you can afford. Insurance coverage will pay for those repairs minus a deductible. It’s often a lot easier to budget in a $500 or even a $1000 deductible than to pay for a new vehicle or to repair your damaged one.

 

Other Options

 

Rather than cancelling your full coverage, you could raise your deductible so that your rates go down. This can save you enough money to ease the financial burden that often comes with having car insurance.

 

You can also shop around and try to find a provider for both your car and home insurance, which will often help you save money. There are several discounts that will help you reduce your monthly premiums and make the policy more affordable.

 

When Liability Is Best

 

There may be times when having liability only coverage does make sense. For instance, if you have an older vehicle that has very little value, it may not make sense to have full coverage. Chances are pretty good that it will be totaled out if you are involved in an accident, and you will have to replace it. In this case, liability coverage may be all you need. Just don’t forget to save money for another vehicle in case

you are in an accident.

 

Another time when you may only want liability is if you aren’t driving your vehicle. An example is when someone goes to college or works overseas for a period of time. They often think of cancelling their policy, but it may be more expensive when they go to get a new policy later on. Many providers charge more if you haven’t had coverage in the last six months even if you don’t have a car.

 

Instead of cancelling your policy when you won’t be driving for a while, get the lowest amount of coverage you can until you need more later. This can be a great way to save money and keep you insured.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

 

4 days ago

What You Should Know about Water Damage in a House

A pipe bursts and you come home to water all over the bathroom and surrounding rooms. Or maybe the ceiling starts leaking in a room you seldom use. A month goes by before you walk in and smell the distinct odor of mold and mildew in the room.

 

Water damage can wreak havoc in a home, and it doesn’t take long for damage to occur. If you notice standing water or the tell-tale stains from previous water damage, you need to take action immediately.

 

Contact Your Homeowner’s Insurance

 

First, contact your homeowner’s insurance provider. You may be covered for water damage in certain instances. If your policy does cover the damage, you’ll want to follow the steps as directed by the claims adjuster.

 

Some policies come with add-ons for flood insurance or hurricane insurance if you live in areas prone to these problems. If you haven’t had a problem yet, you may want to find out what coverage you do have.

Don’t assume that all water damage is the same. For instance, your policy may cover you for storm damage but not for a burst pipe. You’ll also need to deal with the damage right away or all the costs may not be covered.

 

Clean Up Quickly

 

If the water damage is recent, your first concern will be to dry out the area and everything in it. Items that don’t dry will be more likely to mold. Cloth items can be washed and plastic or metal will dry once it gets away from the damp area. Wood is probably the most serious issue because water seeps into the wood and warps it.

 

Once you have the room emptied of everything, you’ll want to get a wet/dry vacuum to remove the water. It can take up standing water or remove it from carpets. Turn on fans to help dry it up as soon as you can.

 

Make Repairs

 

Your next step is to repair whatever caused the leak in the first place. Otherwise, you will continue to battle the issue. You’ll also need to repair floors or walls that have been damaged from the water. You may need to replace the drywall or floor boards. If the water problem has been allowed to continue for a long time, you may even have structural damage.

 

Unless you have a background in carpentry or construction, you’ll probably not be able to make these repairs yourself. You will want to hire a professional who has a good reputation. You may even need to hire a water extraction company to remove the water from the home.

 

Buying a Home with Water Damage

 

If you’re buying a house, you’ll want to be aware of any potential problems that could cause water issues. You’ll also need to check for any previous damage that may include hidden problems.

Water damage is a serious problem. If you’ve had a leak anywhere in the house, address the issue right away and get it taken care of as soon as possible.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

3 months ago

Prepare Your Home for Summer

As winter gives way to spring, homeowners begin to think about warm weather and all of the things they would like to do. Caring for the home should be part of that list because there are certain tasks that need to be taken care of for summer. Some of these tasks will help reduce the cost of homeowners insurance while others just keep your home looking good.

 

Inspect the Roof

 

One of the first things to do is to inspect your roof. Make sure the weight of snow and ice hasn’t caused any damage. Look for broken, missing or bent shingles. Replace these shingles so your roof doesn’t start leaking. Check around the eaves, windows and other areas to make sure the area is tight and there are no leaks. You’ll also want to look in the attic for dampness or other signs of leaks.

 

Clean Out Gutters

 

Make sure your gutters are clean from any tree limbs, leaves or other debris that may have accumulated over winter. Check that the runoff is far away from the foundation so that the walls of your home don’t start leaking.

 

Have AC Maintained

 

Contact an HVAC professional to inspect your air conditioning system. You want to make sure it is in working order before the temperatures begin to warm up. Have the filter replaced and all parts cleaned. A professional will check for Freon leaks to ensure everything is ready for the summer heat.

 

You’ll also want to make sure your attic fan works if you have one and that windows open and close with no problems for those days when you want fresh air but don’t need the AC yet. Repair or replace window screens and patio screen doors to keep bugs out.

 

Check the Landscaping

 

Now is the time to plan for your summer landscaping. If you hire a lawn care service for lawn treatments, you may want to book early. Otherwise, you may want to start cleaning up your lawn and cleaning out flower beds for spring planting.

 

Restain the Deck

 

If your deck needs care, late spring is the time to do it. Have it stained to protect it from summer rains. You’ll need to plan a time when it isn’t supposed to rain for a day or two so the stain has time to dry.

 

Power-wash Your House

 

Power-washing a home’s exterior not only makes it look nicer, it keeps it in better shape. Dirt and debris can get in between cracks and cause your vinyl, wood or other exterior covering to break and wear down. By keeping your exterior looking good, you can see any issues that need to be repaired.

 

Taking care of your home is a year-round job. Certain tasks need to be done in the spring to ensure your home is ready for the lazy, warm days of summer. Schedule these tasks on your calendar, and you’ll be ready to relax and enjoy your home with your friends and family.

 

ASA Insurance provides excellent coverage for  car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

4 months ago

How to Cash in on Great Deals for a New Car

End of the year is a great time to buy a new car. Dealerships are looking to reduce inventory and maximize their annual sales numbers, so they are willing to offer fabulous incentives. If you’re looking to buy yourself a set of wheels for your Christmas present, here’s how to do it right.

 

Know What You Want

 

The first step is to have a good idea about what you want. You should even talk to your car insurance provider to find out which models will give you the best rates. Most people only think about their car insurance policy after they have made the purchase, but you don’t want to be hit with unexpected rate increases.

 

Know what type of vehicle you want, such as SUV, sports car, sedan or truck. From there, you can narrow it down. At the same time, you want to be flexible to take advantage of the best deals available.

 

Consider the Previous Model Year

 

With the latest models coming in now, dealers will be ready to offer deep discounts to move last year’s model. There’s nothing wrong with it, and it’s still a brand new car. However, it isn’t the “latest” and that will deter some people. Don’t be one of those people and you can walk away with thousands of

dollars in savings.

 

Have Financing in Place

 

Whether you are paying cash or getting a loan, have the finance part of the deal taken care of. Know what you can afford, and you’ll have more room to negotiate. Otherwise, sales staff often find the car you want and then work to make the financing happen. You may feel at a disadvantage and take whatever terms are offered.

 

Avoid Showing Your Emotions

 

This is good advice any time you want to buy a new vehicle. Don’t let the sales personnel see how excited you are over a car, or they’ll figure you will buy it regardless of the price. Show interest, but not like you’re already sold on the car. It’s even a good idea to tell them you want to think about it or talk to your car insurance company before making a decision. Don’t be surprised to get a phone call offering an even better deal.

 

Let the Dealer Make an Offer

 

When the sales person asks how much you want to spend, tell them it depends on the car. Never quote your top price. Otherwise, they will find a car to fit that budget even if they would have sold it for less. When you let the sales person show the price, you’ll know where you have to negotiate or if it’s worth your time. Just realize you’ll have more room for negotiation if you’re interested in last year’s model rather than the brand new inventory.

 

You can have a brand new car for your own Christmas present, but you have to know how to shop wisely and get the best deal. Never be in a hurry, and always know what you’re willing to pay before you walk in.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

4 months ago

Can You Get Car Insurance after a DUI?

Even smart people make stupid mistakes, like driving after having one too many drinks. A few hours later, and you have a DUI/DWI charge to deal with. If you know you’re guilty, you may plan to plead guilty and pay the fine. But your concern is what will happen with your car insurance policy. Here are a few answers to questions about car insurance and DUI offenses.

 

If you live in Utah and get a DUI, it will stay on your record for ten years. Now, this doesn’t mean it will be included as a factor in your car insurance rates or even that it will impact your driving record. But it is considered when it comes to determining how many offenses you’ve had. Even if you had a DUI nine years ago and you get another one now, it will be penalized as your second offense.

 

Penalties for DUI

 

In Utah, the penalty for your first DUI is at least a $700 find, a 120-day license suspension and a minimum of 48 hours in jail. For a second offense, it increases and a third offense or more can impact you even more. You’ll also have to get an ignition interlock device installed on your vehicle to get your license back before the suspension is up.

 

Utah is harsh on DUI charges, but your car insurance can be even tougher. The company can drop you because of an offense or at least raise the rates.

 

How to Get Car Insurance after a DUI

 

You’ll want to find out if you are still covered by your current provider. You’ll also want to find out if you can get a discount by taking a saf

5 months ago

Buyer’s Guide for Homeowner’s Insurance

If you’re shopping for homeowners’ insurance, you need to know what to look for, what coverage you can expect and how to ensure you’re getting the best deal. Here is some information you can use like a buyer’s guide on this product.

 

Know Your Coverage Options

 

The two major types of coverage with any homeowner’s insurance is liability and repairs/replacement. With liability, you are covered if someone is injured on your property or their personal property damaged. The provider pays out for medical expenses and other damages up to a maximum amount.

Replacement and repair coverage pays for damages done to your home and other buildings on the property. It can range from minor repairs to rebuilding if the home is destroyed. The coverage is limited to specific conditions based on the policy. Some policies are quite limited while other pay for many types of damage.

 

You’ll also want to know what other coverage is available. For instance, flood insurance is often purchased separately.

 

Understand the Claims Process

 

You should find out about the process for filing a claim even before you purchase a policy. In most cases, there will be a separate claims department that will handle the issue. An appraiser may come out and look at the damage and come up with an amount for repairs. In other cases, the company may work with certain companies that will handle the repairs.

 

You may want to read reviews to find out what other policyholders have to say about claims with different companies. You’ll want to choose a company with a good reputation and positive reviews.

 

Consider Deductibles

 

The deductible is the amount you must pay for repairs before the insurance company begins paying. For many providers, the minimum amount is $1000 with a maximum of $2000. However, this can vary, and some companies will go even higher on the deductible so you can save money on premiums.

While it’s a good idea to carry as much risk as you can afford to reduce your monthly premiums, you also want to make sure you can pay the deductible if damage should occur to your dwelling. You can always change the deductible at renewal to fit your budget and needs.

 

Get Quotes

 

It’s important to compare prices and shop around for your homeowners’ insurance. While prices may not vary as much as with car insurance or other products, it is possible to save several hundreds of dollars over a year.

 

Get quotes from multiple providers using the exact same information. Keep the deductibles the same to see which provider is the least expensive. Just remember to use the quotes as only part of the information to make the decision of which company to choose. You must also consider customer service, claims history and reviews from other customers to help you make an informed decision.

 

Homeowners’ insurance is an important and necessary part of life for anyone who owns their own home. Just make sure you get the best coverage possible.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

5 months ago

Benefits of Homeowners’ Insurance

If you’re buying a home, the lender will likely require you to get homeowners’ insurance. At that point, your focus may be on getting a policy with the lowest price. However, you want to make sure you get the coverage you need in case you ever have to use it. A homeowners’ insurance policy covers a lot. Here are some of the benefits that may come with your policy.

 

Replacement of Personal Property

 

When your home is damaged in a natural catastrophe or other event, your personal items may also be damaged or destroyed. An insurance policy will include provisions to pay for replacement of your items. With this coverage, you want to make sure to get a policy that pays for replacement value and not just the cash value.

 

In most cases, you select the amount of coverage you want. Your coverage will pay up to the maximum amount you choose. You can also purchase additional coverage for more expensive items, such as jewelry and electronics.

 

Additional Living Expenses

 

If a situation leaves your home uninhabitable, your insurance policy will pay for your living expenses in a hotel or other costs associated being displaced. The policy may pay directly or reimburse you for your expenses.

 

There may be a limit of time for how long you can receive this benefit, but it is usually for as long as work is being done on your home. You may also notice a limit in the amount for your living expenses. For example, most policies won’t pay for a five-star hotel with room service and other features.

 

Home Repair Service

 

If damage has occurred to your home, you may need to hire a professional service to prevent further damage. For example, a company may need to come in and board up windows and doors to prevent entry after a fire. A mold remediation company may need to clean up after a flood.

 

These services are often covered by your insurance policy because they are related to a covered incident. You may have to go through specific companies, or there may be a limit to the cost which the policy will pay. If the situation is an emergency, it’s important to make sure you know the limited and rules of the policy before you hire a company.

 

When choosing a policy for your homeowners’ insurance, you want to know what coverage you have and for how much. It’s important to ask questions and understand your policy to ensure it covers your needs.

 

Homeowners commonly choose a policy based on cost without stopping to determine what coverage they have and understanding what it means. The time to learn about your insurance is before you need to file a claim. Take the time to read through the information you’re given and find out how and when to make use of your benefits if that time should come. Homeowners’ insurance is an important part of home ownership, and it should be taken seriously.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.