I just added my child to my auto policy.
I am one of your neighbors. I wanted to tell you about something that helped me out recently.When I added my child to my auto policy and when the bill came in …The increased cost went through the roof!!!
i called Florey Insurance Agency and because of their knowledge and expert dealings with this type of situation
My day was saved !
And guess what….I now can afford to let my children drive
1.Swap out regular tires for winter tires. Snow or not, if you live in an area where temperatures regularly fall below 45 degrees, winter tires are recommended. They’re made to give you better traction while turning or stopping on cold pavement.
2.Check tire pressure weekly. Driving on underinflated tires can cause them to wear down prematurely and lose traction on icy or slippery surfaces. Your tires lose a pound of pressure with every 10-degree drop in temperature.
3.Keep your fuel tank half full. During winter weather, it’s a good idea to keep at least half a tank of fuel in the vehicle in the event of an emergency or if you get stuck in the snow and need to wait for rescue. For longer road trips, plan stops for gas in advance.
4.Add a protective layer. A coat of polymer wax can create a barrier against road salt, grime, snow, sleet and more. Couple that with high-pressure car washes after winter storms to rinse away buildup in hard-to-reach areas such as wheels, wheel wells and underbody.
5.Protect your windshield wipers. If you park outdoors, leave the wipers in the raised position to prevent them from freezing to the windshield. Never use your wiper blades to remove ice, snow or frost from the windshield; use an ice scraper instead.
PAY YOURSELF FIRST !
Don’t end up without anything….. As low as $5.00 a week
All of us at Florey Insurance Agency would like to thank all of our clients, who we consider part of the Florey team and family. Because of your trust and loyalty in us, we have grown through the past 48 years to over 10,000 people. We are a local agency with over 20 companies to share with you. We are the guy next door that gives you personal service not an “unknown” on the phone or internet.
Please consider sharing your Florey Insurance Agency experience with your family, friends and neighbors.
We appreciate the confidence you have in our agency. We promise to give you quick and accurate response to all your insurance needs.
Follow the link to read about a life insurance policy
Car insurance covers a car. Homeowners insurance covers a home. Life insurance covers your life (more or less). So, one would assume renters insurance covers the apartment you are renting …
1. Wait … renters insurance doesn’t cover my actual apartment? Nope, it covers the stuff in your apartment …
2. Why? Umm, well, accidents happen. And stuff is expensive. So, say, a pipe bursts and the leak destroys your furniture or a thief breaks in and steals your laptop. If you have renters insurance, you won’t have to replace all that stuff out of pocket. You can file a claim and get reimbursed for damaged or stolen possessions.
3. You mean my landlord’s insurance doesn’t cover me? No, your landlord’s homeowners insurance protects the building. It covers, say, structural damage to the apartment itself. But your stuff is … your stuff. It’s up to you to insure it.
4. You mean items over a certain dollar amount?More like categories of stuff. So jewelry, collectibles, furs, musical equipment, firearms, art, gift cards, checks, electronics — insurance companies generally set limits for those items. You might only get up to $1,000 back on, say, a $5,000 ring — though you can purchase a rider for extra coverage. Oh! — and there’s usually a deductible. That’s insurance-speak for how much you’ll pay before your policy kicks in.
5. OK, but then the policy pays full-price for the covered items? That depends. There are two types of renters insurance policies. If you have an actual cash value policy, your insurer covers the actual cash value of your stuff, but — and it’s a big but — that’s the actual cash value of the item today, not how much you threw down for it originally. Now, if you have a replacement cost value policy, the insurer covers the cost of repairing or replacing the item at its current price. No depreciation to worry about.
6. So a replacement cost value policy is better than an actual cash value policy? Well, it pays out more, for sure, but it also costs more (in the form of higher premiums), so you’ll need to assess the value of your things, decipher how much coverage you need and, ultimately, consider the trade-off
7. How do I figure out how much my stuff is worth? That’s actually easier than it sounds, thanks to technology. There are quite a few websites and home inventory apps out there that help you log, price and track the value of your possessions. You can also go ahead and take inventory via an old-school Excel spreadsheet. The method doesn’t matter as much as you actually going through the process.
8. Why do I need to inventory my stuff? Well, so you know how much coverage to buy. (To give you some context, people commonly opt for $25,000 in personal property coverage and $300,000 in personal liability coverage with a $250 deductible.
9. Is that all renters insurance covers? Stuff? No, actually! Some policies also tout additional living expenses, like hotel stays and even meals if you can’t stay at your apartment as a result of a peril.
10. Renters insurance covers injuries? We meant to mention that earlier: Most renters insurance policies also cover certain personal liabilities in addition to property. For instance, if someone has an accident at your place, your policy pays for their medical bills or your legal expenses in the event said person sues. Renters insurance can also cover damage you accidentally do to someone else’s apartment. Like, say, you overfill your bathtub and water leaks into the unit directly below. (Whoops.)
11. Will renters insurance reimburse whatever my landlord takes from my security deposit? No. Your security deposit is the insurance against any damage you do to your apartment.
12.My landlord is requiring renters insurance because I have a dog. Isn’t that to cover damages to the apartment? So most renters insurance policies cover pets under the personal liability portion of your policy — meaning if you disclosed Fido’s existence to your insurer and he bites someone, you’re covered when it comes to medical expenses and legal fees.There’s also something called a pet damage rider offered alongside some renters insurance policies. And while it will pay for carpet Fluffy ripped up or the blinds Socks destroyed, that coverage only kicks in once you’ve exceeded your security deposit (or pet deposit or deductible — whichever is the greatest).
So call FLOREY INSURANCE AGENCY 570-587-2615
1. Ride with people who know how to ride and that you trust. 2. Be Seen. Brown and black apparel is not our friend on the road. If you blend in, others cannot see you. Wear something bright, or safety neon apparel that is offered by many motorcycle companies. One of my favorite equipment pieces is a nylon mesh vest with neon reflective taping.3. Wear the right gloves. 4. Never ride tired. 5. Always keep at least a 20-foot cushion between you and fellow riders.6. When riding in a group and there is oncoming traffic, be sure and let them know how many riders are behind you. 7. Feather your clutch on slower tighter turns. 8. Use the “outside, inside, outside” path of travel. 9. Leave room for an escape route.
10. Always look where you want to go. 11. Ride your own ride. 12. Be wary of semi trucks.
Come to Florey Insurance Agency (570-587-2615) for your motorcycle insurance.The choices are here.
WE RIDE THEM TOO!
Do you have a student going to college?
CHECK YOUR INSURANCE POLICIES!
How far will they be away from home? Will they have a car ? Look into your auto insurance .
What about property and electronics protection in the dorm or apartment ? Check into your homeowners policy.
Orientation has already started for many schools…check all your policies before they leave for that big step in your student’s life.
Call us today!
Florey Insurance Agency 570-587-2615