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Insurance: When Cheap Isn’t Always Best

by Patrick Ramsay

While shopping for home or automotive insurance, it’s easy to become overwhelmed by the waves of insurance companies all vying for your business. The word “cheap” is used so often in the insurance market, it’s hard to recall its meaning as you peruse the various options online and hear commercials boasting about the newest, cheapest rates being offered.

There’s a psychological phenomenon known as semantic satiation, in which a person repeats a word or phrase so many times that it temporarily loses its meaning and begins sounding like repeated meaningless sounds. It could be argued that’s what has happened in the insurance market with the word “cheap.” We hear more about cheap insurance than about quality insurance, so naturally we tend to believe the cheaper the deal on the insurance, the more desirable it is. However, what we forget to realize is that cheaper isn’t always better. In fact, when we’re talking about insurance, cheaper is hardly ever better.

Less coverage means less protection. When it comes to insurance, you’re going to get what you pay for. Are lower monthly payments worth potentially being hung out to dry when you need quality coverage most?

Raising your deductible means more out-of-pocket. While you may see a decrease in the cost of a monthly payment by raising your deductibles, when the time comes to use your policy you will have to pay a large sum of money out-of-pocket to cover your repair.

Low cost oftentimes means low quality. When it comes to insurance, it’s tempting to choose the cheapest option. After buying a home or a car, it’s only natural to seek out ways to save, but your insurance coverage is not the place. A quality insurance company will offer attentive customer service and go the extra mile to take care of their customers and help them save money without cutting corners.

    insureCAL offers combined Home and Auto Insurance packages to utilize your insurance policies for the best coverage possible. By combining your home and auto insurance policies, you may be eligible for various discounts, a guaranteed full-year policy term for your car, On Your Side® insurance protection, 24-hour Customer and Claim service, and more. You deserve insurance that brings you peace of mind. Contact insureCAL to find out more about our Home and Auto Insurance packages.

3 Simple Reasons You Need Proper Livestock Coverage On You Ranch Insurance

It is not uncommon for livestock to be found wandering outside of their fenced pasture and onto a public road. It happens and unfortunately sometimes motorists can come into contact with the livestock, causing injury to the livestock, the motorist, and the motorists vehicle. This is why it is so important that ranchers ensure they have the proper livestock coverage. Livestock liability is the most important to protect the rancher in the event that they are liable for damage being caused to someone else. But what about the damage that has been done to the rancher and his way of living? Property coverage can be just an important to indemnify the policyholder. After all that is what Ranch Insurance is for.

Here are 3 other coverage’s that are important to consider, especially for a small premium:

  • Accidental Death – coverage for loss by death resulting from a hunting accident, collision with a train, or collision with a vehicle on a public road
  • Care, Custody, and Control – coverage for livestock that you do not own but is in your care, custody or control.
  • Livestock Suffocation – extends coverage to cover death by suffocation resulting from ventilation failure or change in temperature caused by electrical or mechanical breakdown of the ventilation system.

If more coverage is needed, like health insurance for the livestock, Livestock Mortality Insurance is available as well.

Find out what is best for your ranching operations!

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Would you like a fresh start and the opportunity to work with a new, fast growing, young, and energetic team?

Our team can provide you with the tools, opportunity, and independence for you to take your growth to the next level.

For a confidential conversation, give me a call or send me an email.

Direct line: (209) 765-0819

Email: colbie@insureCAL.com

– Colbie McRae

DIY Tricks: Save Time Hanging Up Curtains (with pictures)

Putting up your curtain rod can be a pain. Measuring to make sure you have it all in the right spot. Here’s a trick I came up with to speed things along. This is especially helpful if you’ll be doing the same task repeatedly. 

Tools needed:

  • Piece of cardboard (or paper if not available)
  • Pen 
  • Curtain rod and hardware 
  • Curtains 
  • Screwdriver or screw gun 

Step 1 – Cut out a piece of cardboard 

Step 2 – cut a square out of one of the corners of the cardboard 

  
Step 3 – place the cut in the card board along the window sill 

  
Step 4 – figure out exactly where you want the holes to be for mounting the hardware to hold your curtain rod. Once determined mark them in the cardboard and to the wall

   
 

Step 5 – flip the cardboard over and repeat on the otherwise of the window. It will match up the same. 

  
Now all you have to do is mount the hardware and hang the curtains! 

   
 

30,000 Drones Flying in 5 years

According to the Federal Aviation Administration (FAA), an estimated 30,000 drones could be in the sky in the U.S. by 2020. This number includes both commercial and civil drones being used. Aside from getting your amazon purchase to you  faster, what are these drones going to be used for?

“Businesses have set their sights on new applications for drones that could speed product delivery, monitor crops or capture claims data among dozens of others uses,” said Gerry Finley, senior vice president, Casualty Underwriting, Munich Reinsurance America.

Insurance carriers is one industry that has already begun testing for commercial use. This could be very useful for insurers in 3 key areas; Before, During, After

Before Insuring – Gathering Risk Information

If an insurer is interested in offering coverage in an area they don’t currently, they could use drones for gathering risk information. This could be expanding into different commercial risks or even expanding into different territories in the state or country.

While Insuring – Risk Management

Carriers spend millions and millions of dollars a year doing inspections on properties after they write the business. Drones would offer a major cost reduction for these property inspections. Especially when you take into account paying a person for the time and the gas to drive all over the state and country to take pictures of the said risks.

After a claim – Claim Inspection

Drones being involved in claim inspections would offer the same cost reduction benefits. Instead of sending a claims adjuster to drive a few hours for one inspection, the drone would be able to do this at a lower cost. The drone would be able to take the same pictures and video the claims adjuster was going there to take.

With all of this said there would still need to be human interaction between the insured and the insurer. However, it would make things much more cost effective and efficient for the insurer.

Does that mean these cost savings could be passed onto us, their insured’s?