Uncategorized | Boizelle Insurance Partnership

6 Insurance Questions for Newlyweds or Those Soon-to-Be

Whether you’re getting married, planning to have children, or if you have anyone in your family that depends on you, it’s important to do the best you can to anticipate what is going to happen in the future. While no one can have an absolute certainty on what the future holds for them, there are a number of important steps you can take the make your future–and the future of those you care about most a secure one. Here is a short list of questions you should ask yourself if you are recently married or plan to be soon.

  1. We’re getting married. Should we join our auto insurance?

 

If one of you has a long list of at-fault accidents on your driving record or auto insurance claims, it may be a better idea to keep your auto insurance policies separate. If you both have a good driving record and no recent gaps in your insurance, you may be able to save some money by combining your policies.

 

  1. We’re searching for our first home. Should homeowners insurance factor into what we decide to buy?

Did you know that there are various factors that can determine how much you are required to pay for your homeowners insurance? Factors such as distance from a fire department, proximity to areas more prone to storms, the age of your home and your claims history can all have an effect on the overall cost of your insurance.

  1. We’re having a baby? Should we get life insurance?

Adding a new baby to the family means added responsibilities and added costs. A life insurance policy can assist you with fulfilling those responsibilities and covering those added costs in the event of an untimely death. A life insurance policy can also help you cover the costs for a funeral. Even more, it can help to pay off your mortgage and help to fund your child’s education.

  1. Term or whole life?

 

Term life insurance provides coverage for a specific amount of time. For example, a 30-year policy can help cover the costs of a 30-year home mortgage. For young people, a term policy is often the better option because it tends to be the most affordable. The good news is that you do have the option of converting your term policy to a whole life policy later on.

 

Whole life insurance offers coverage for the duration of the policyholder’s life. It is sometimes referred to as a permanent life plan.

 

  1. What do you offer beyond the basics for homeowners insurance?

Call us to discuss options to expand your coverages beyond the standard homeowners insurance policy. We can help you to protect your underground service lines, appliances, and more.

  1. We’re used to making purchases online. Why do we need a human insurance agent?

In today’s day and age, with so many parts of life now involving automated messaging and assistance, it can be difficult to navigate the process of getting the best insurance for you. That’s why speaking with a real person is so beneficial. One of our experienced insurance professionals can help answer any and all questions you have, so that you can be sure you are getting the best coverage for you.

Read more

Tips to Keep Your Tailgate Event Safe

  1. Make a plan.

Before you have any type of gathering with family or friends, it’s best to come up with a solid plan. How many guests will you be having? How much food will you need? Do you need snacks or do you think it’s a better idea to grill for a larger group? What kinds of drinks will you be having? Will alcohol be made available for consumption? Always remember that, depending on the time of year, the weather conditions will be different. Always dress appropriately for the weather. Finally, don’t forget that emergency first-aid kit and jumper cables in case your vehicle won’t start.

  1. Food Prep and Storage.

Storing your food items properly is essential in order to prevent food-born illness. If you plan to grill, foods such as burgers and hot dogs need to be cooked at at least 160 Fahrenheit. Foods that are meant to be served cold such as deli meats and bread for sandwiches and subs should be kept in a separate cooler. Do your best to not keep food out for longer than two hours to avoid food poisoning or upset stomachs.

  1. Safety and Sanitation.

If you’re planning to grill, be sure to bring an apron (you’ll thank yourself later as cooking and food prep can become messy at times). Another essential item to have nearby is a functioning fire extinguisher in case of an emergency. For easy clean-up, elect to use plasticware instead of metal forks, knives, or spoons.

  1. Don’t forget to have a designated driver.

 

We understand that it is a common practice to consume alcohol at sporting events, especially tailgates. Speak with your group before your event to see who will be your designated driver. Doing so eliminates concern over the possibility of someone getting behind the wheel while impaired. Additionally, if you choose to drink alcohol, be sure to have plenty of food and time between the time you are spending at the game and the time you choose to leave. We all want everyone to get home happily and safely.

 

  1. Heading home.

Before leaving your tailgate area, clean up all forks, knives, spoons, plates and drinks around your area. Examine the area around your vehicle. Look out for glass bottles or any debris that could potentially cause damage to your car. Also, anticipate long lines when leaving. Cars may be bumper to bumper as they move toward the exit. Stay alert and don’t get distracted.

Read more

Driving on Black Ice: What You Should Know

What is Black Ice?

Black Ice is a very thin layer of ice that can form on road surfaces in cold weather conditions. It is extremely dangerous because it is difficult to spot on the road.

How Does Black Ice Form?

When snow or moisture from the air freezes rapidly, thus attaching itself to the frozen pavement. Freezing rain can appear white or translucent due to air bubbles being trapped. Black ice is far more dangerous because it is perfectly clear, making it that much mor difficult to see at night.

Where Can You Commonly Find Black Ice?

Whenever you have little to no sunlight, these areas are especially at risk of having black ice form. Back roads that are not used frequently, as well as in tunnels, underpasses and bridges are also common areas where black ice forms.

How Do You Know if You Are Driving on Black Ice?

You can’t see black ice, so if you’re driving along and your car begins to slide or lose traction, you’ve probably come across some black ice. You should never make drastic shifts with your steering wheel or your brakes when driving in harsh weather conditions whether it be in rain or heavy snow. If even a small shift in your steering seems to generate an exaggerated response from your vehicle, you may be driving on black ice.

To stay safe, drive slowly in conditions where black ice can form. Reduced speeds lessens the likelihood of you skidding or losing control of your vehicle. Do not use cruise control in these conditions.

Do not make jerky, reactive movements that could cause skidding or an accident. Slow and steady is the best approach to navigating through black ice.

How Can You Recover from Skidding on Black Ice?

If you are operating either a front-wheel or all-wheel drive vehicle, turn your steering into the skid. Change the direction of your steering if the skid takes you in a different direction. Be sure to maintain your speed and do not apply any pressure to your brakes or gas pedal. If you have a manual transmission, push in your clutch.

Never slam on your brakes when you encounter black ice.

While driving, be gentle with your steering wheel movements. You don’t want your vehicle’s back end to start sliding in the opposite direction. Straighten your steering wheel and gently apply pressure to your accelerator.

How to Stay Safe in Winter Weather Driving Conditions

One of your best defenses against winter weather conditions and slippery road surfaces are good tires. All-season tires with good traction and tread depth are ideal. If you live in an area where it snows consistently, go with a set of snow tires.

Read more

6 Fun Ideas for Your Next Family Game Night

When weather conditions are not safe to drive in and you are in a situation where you don’t necessarily need to be behind the wheel, isn’t it nice to stay in with family and have a family game night? Here are six ideas for your next family game night!

  1. Classic board games – Games like Monopoly have been around for years! There are many games you can play with your loved ones that are sure to make you feel nostalgic. See who has the steadiest hand with Operation. Or, if you’re feeling up to the challenge, see which one of you can conquer the world with RISK.

2. Dice games – Dice games are easy to play and come in plenty of variations. Try to roll all five of the same numbers to score a Yahtzee! Be the first to score 10,000 points in Farkle. Roll as many 2s as you can in Bunco. Or see who can match all of their dice the fastest in Tenzi.

3. Card games – If you have young ones in your family, matching colors is a fun way to introduce them to card games. You can do this with UNO. If your crowd is filled with adults, Cards Against Humanity is sure to muster up at least a few laughs.

4.Guessing games – If you have enough guests at your home to form at least two teams, Charades is a fun game that is sure to get everyone involved. You can have one team members acting out a favorite activity, or, if you’re a movie buff, a scene from one of your favorite movies. Remember, though, it’s against the rules to talk!

5. Singing competitions – When was the last time you belted out your favorite song at the top of your lungs? Maybe in the car? Well, get together with your family or friends and see who has the best vocals with a karaoke night. A karaoke machine only adds to the fun!

6. Puzzles – Puzzles are a great way to involve the whole group.

Make the evening even more fun by ordering some pizzas or having an ice cream sundae station! This is a great way to build lasting memories for your children.

Read more