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Trampolines and Homeowner’s Insurance

trampolineYou may ask: What do homeowner’s insurance and trampolines have in common? Well they kind of go hand and hand.  If you have a trampoline on your property you should consider upping the coverage amounts on your homeowner’s insurance policy.

Trampolines are fun. The house that has a trampoline that bounces the highest is always the most popular house on the street. Many childhood memories are of summer days bouncing around or having sleepovers on the fun contraptions.  Unfortunately, with all that fun, a lot of accidents and injuries happen.

Trampolines have come a long way in terms of safety in the last 10 years.  Some are now “spring free” or caged in so children don’t go bouncing off of them.  Many homeowner’s install their trampolines below ground to reduce the chance of injury.  While all these improvements are great, injuries and accidents still happen and can end up costing homeowner’s thousands of dollars in medical bills.

boy_on_trampolineThe most common injuries caused by trampolines at home are sprains, bruises and soft tissue injuries but they can also cause major fractures and concussions.  Trips to the doctors can add up and our wallet can start feeling lighter.

If you have a trampoline on your property consider purchasing more liability coverage on your homeowner’s insurance policy.  It could help you pay for the inevitable medical bills that you’ll have to pay for your children, their friends or even yourself. We’re not saying get rid of your trampoline, because we’d love to come over and use it, but just think twice about how much those fun contraptions could end up costing you in the future.

Call a Vern Fonk homeowner’s insurance specialist today to learn more about increasing your coverage amounts on your hazard insurance policy.

Flood Insurance

imagesfloodFlooding can happen just about anywhere across the country, but a very small percent of homeowner’s have extra flood insurance. Many homeowner’s don’t know that flood damage isn’t covered by their basic homeowner’s insurance policy, and don’t find out until it’s too late.

What is Flood Insurance?

Flood insurance helps cover the cost of damages from floods.  So if you live on the coast, on the banks of a river, or in an especially rainy area, purchasing extra flood insurance is always a good idea!  Flooding is such a common problem Americans face, and protecting your home and valuables from damage seems like a no-brainer.

Who needs flood insurance?

Anyone who lives in a flood prone area should consider flood insurance, even if they are not required to get it.  Most lenders will require you to have flood insurance if you are in a moderate to high risk flood zone.

What does flood insurance cover?

Flood insurance will cover your home’s structure and your possessions in the event of a flood. Floods are usually caused by long periods of heavy rain and overloaded streams or rivers.  Water damage from other sources (like a pipe bursting) are typically not covered by regular flood insurance, but could possibly be covered in a homeowner’s insurance policy.

As you can see, flood insurance can help you out when you’re up the creek without a paddle, so to speak. Talk with a qualified Vern Fonk flood insurance representative today to see how you can save money on a policy and get all your questions answered.

Renter’s Insurance

for-rentIf you are renting a place, there area many reasons why getting a renter’s insurance policy is a good idea. Renter’s insurance can help you in so many different ways. Having a good policy can help you sleep better at night as your belongings are securely protected.

Renter’s insurance protects the cost of replacement or repair to your possessions if they are stolen or damaged. If your landlord says that their insurance will cover it, you may want to look a little deeper into their policy as it is very common for renter to have to purchase their own rental insurance policy to make sure everything is covered.

These policies can help you replace items if they were to be damaged in fire, natural disaster or stolen. One renter’s insurance policy can sometimes cover more than one renter. This is convenient if you have roommates or a spouse as it can help cover their belongings too.

Renter’s insurance is a fairly cheap insurance policy to get. Replacing large appliances, electronics, jewelry, and furniture can get really expensive while a typical renter’s insurance policy only costs about the same amount as a pizza each month.

If you are considering purchasing a renter’s insurance policy, talk to an insurance agent who knows what to do! Our Vern Fonk insurance agents in Washington and Oregon can help you find a renter’s insurance policy that meets all your needs. They can help you fill out a home inventory to help you get a value on all your belongings and they can show you how to fill out all the necessary documents and procedures.

Crazy Car Insurance Discounts

Everyone knows that the way to saving money on your car insurance policy is to have a clean driving record, be involved in barely any accidents, drive a “safe” and sensible car, and not be a teenager! Did you know there are many other ways to save too?

Every car insurance company offers different types of discounts. These discounts can save you hundreds of dollars every year on your insurance premiums. Every company has different criteria to qualify for these discounts and some even offer special ones. The best thing you can do is ASK you agent if you qualify.

Here are some of the not so common types of auto insurance discounts you may qualify for:

Married Discounts
Did you know that if you are married or engaged you could save money on your car insurance premium?  Not every insurance company offers this discount, but it is available in 16 states.  Even if you are engaged, you may qualify if you are scheduled to get married within the next 12 months.

Smarty Pants Discount
Many people know that if you get good grades in school you can get discounts on car insurance.  Did you know that if you belong to the group Mensa, some insurance companies can give you an even better discount?  This group (Mensa) is for people with very high IQ scores, and it is home to only the top 98th percentile of the smart guys.

Facebook Discounts
Did you know that some insurance companies will offer you a discount on their rates if you “Like” them on Facebook?  Check with your insurance agent to see if you can qualify for this extremely easy money saving discount.

Early Coverage Discounts
Some insurance companies will give you a discount if you sign up for new coverage earlier than 7 days before your existing policy expires. This makes sure there are no gaps or lapses in coverage, and it is seen as a “responsible” attribute to car insurance companies.

As you can see, some of these discounts are things you would have never thought of.  As always, it is important to go over your car insurance policy with a qualified insurance agent to make sure you are getting the most bang for your buck.  Our insurance agents at Vern Fonk are trained to find you the best possible deals on car, home, motorcycle, business, and SR22 insurance, so call today!

Motorcycle SR22

clipart-motorcycleWhen most people think about SR22 insurance they typically are looking to insure their car or truck, but what if you own a motorcycle? You’re in luck! Just as you can get a non-owner sr22 insurance policy, you can also get SR-22 for your motorcycle!

More and more people these days are switching to motorcycles or scooters as their primary mode of transportation. With high gas prices a motorcycle or scooter can save you a lot of money.

SR-22 policies for motorcycles are typically cheaper than other vehicles, depending on what type of motorcycle you own. The rules for motorcycle SR22 are very similar to regular car or truck sr22 certificates and if you have any questions about them, a qualified insurance agent can always help you work out the details.

A motorcycle, especially in the summer, is a great way to get to and from work or errands. They don’t use much gas to get around, and they are usually fairly cheap to purchase. If you need SR22 coverage and you own a motorcycle or are looking to buy one, give Vern Fonk a call today for easy and fast SR-22 coverage.