By Odom562 January 15, 2014
1/15/2014, I entered to cash a check, make a long story short the woman who had my information identification card refused to give me her name once i made a complaint. As she refused i snapped her photo with my cell phone and left the store. As I exited the store she spewed racial slurs at me never ever again will i go there. ...read more
By berrich1984 April 08, 2013
The Keir Jones State Farm Agency is not only the most knowledgeable insurance agency I've ever worked with, but also the easiest, friendliest and most caring agency. They not only take the time to truly understand your insurance needs, but they help you with other important life planning decisions. The office is by far the nicest office I've seen from any insurance agent and they've truly set a standard in every aspect of their business for every insurance agent out there. Thanks Keir and team! ...read more
By jimkamili February 01, 2013
You Guys Rock ...read more
Umbrella FAQs Q: What is a personal umbrella liability policy? A:A personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an "umbrella" over all of your other personal liability policies (home, auto, boat, RV, etc.) so you have a higher personal liability limit than what would otherwise be available. In certain circumstances, an umbrella policy may provide personal liability coverage that is otherwise excluded from your other policies. For example, an umbrella policy provides coverage anywhere in the world, whereas your auto policy usually provides coverage in the U.S. and Canada only. Q: How do I know if I need a personal umbrella liability policy? A:It used to be that the only people who needed personal umbrella liability policies were wealthy individuals who had sizable amounts of personal assets that would be at risk in a lawsuit. However, in our very litigious society, even individuals with modest incomes and assets are often subjects of large lawsuits. Since they are even less able than a wealthy individual to pay large damage awards, they recognize the need to have coverage limits greater than what can be obtained from their homeowner or auto policies. ...read more
By Integrity Now Insurance Brokers, Inc. February 06, 2010
Renters FAQs Q: Why would I want to buy renters insurance? A:If you live in an apartment or a rented house, renters insurance provides important coverage for both you and your possessions. A standard renter's policy protects your personal property in many cases of theft or damage and may pay for temporary living expenses if your rental is damaged. It can also shield you from personal liability. Anyone who leases a house or apartment should consider this type of coverage.Q: How does a renters policy protect my personal property? A:A renters policy provides "named perils coverage". This means that the policy only pays when your property is damaged or destroyed by any of the ways specifically described in the policy. These usually include: Fire or lightning Windstorm or hail Explosions Riots Aircraft Vehicles Smoke Vandalism or malicious mischief Theft Falling objects Weight of ice, snow, or sleet Accidental discharge or overflow of water or steam Freezing Sudden and accidental damage from artificially generated electrical current Volcanic eruptions (but this doesn't include earthquake or tremors) Renters coverage applies to your personal property, no matter where you are in the world. This means you're covered when you are on vacation as well as at home. Q: Why do some apartment complexes require tenants to have renters insurance? A:Owners of apartment complexes buy insurance policies for their liability and to cover their buildings and personal property. However, these policies do not cover any of the tenant's property or liability. By requiring their tenants to have renters insurance, the apartment owner is assured that the tenants will not mistakenly believe the apartment complex owner's policy will provide coverage for a tenant's property or personal liability. Although this type of requirement benefits that apartment complex owner, there are benefits to the renter as well. We recommend that you purchase renters insurance regardless of what your landlord requires. Q: What if I share my apartment with a roommate? Do we both need to have renters insurance? A:Standard renter's policies cover only you and relatives that live with you. If your roommate is not a relative, each of you will need your own renter's policy to cover your own property and to provide you liability coverage for your own actions. ...read more
By Integrity Now Insurance Brokers, Inc. February 06, 2010
Homeowner FAQs Q: What are some practical things I can do to lower the cost of my homeowners insurance? A:There are a number of things you can do to lower the cost of your homeowners insurance. The easiest thing to do is get a comprehensive review of your policy and needs from your local agent. It's not surprising to find quotes on homeowners insurance that vary by hundreds of dollars for the same coverage on the same home. When you shop, be careful to make sure each insurer is offering the same coverage. Another way to lower the cost of your homeowners insurance is to look for any discounts that you may qualify for. For example, many insurers will offer a discount when you place both your automobile and homeowners insurance with them. Other times, insurers offer discounts if there are deadbolt exterior locks on all your doors, or if your home has a security system. Be sure to ask us to look into these discounts for you.Another easy way to lower the cost of your homeowners insurance is to raise your deductible. Increasing your deductible from $250 to $500 will lower your premium, sometimes by as much as five or ten percent.Q: What does homeowners insurance cover? A:The typical homeowners policy has two main sections: Section I covers the property of the insured, and Section II provides personal liability coverage for the insured. Almost anyone who owns or leases property has a need for this type of insurance. Usually, homeowners insurance is required by the lender to obtain a mortgage.Q: What is the difference between "actual cash value" and "replacement cost"? A:Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Under the "replacement cost" coverage, the policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.Q: What factors should I consider when purchasing homeowners insurance? A:Here's a checklist of things you should consider when you purchase homeowners insurance: Determine the amount and type of insurance that you need. The coverage limit of your house should equal 100% of its replacement cost. If your policy limit is less than 80% of the replacement cost of your home, any payment from your insurance company will be less than the full cost to replace your home. You'll have to pay the rest out of your own pocket. Also, decide if the personal property and personal liability limits are adequate for your needs. Determine which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement, an earthquake endorsement, or a jewelry endorsement? Once you've decided on the coverage you want in your homeowners insurance policy, Integrity Now Insurance Brokers. We'll be able to help you determine if there are any gaps in coverage you might not have been aware of and explain the details of the policy's exclusions and limitations, as well as recommend an insurance company that will live up to your expectations. Q: What are the policy limits (i.e., coverage limits) in the standard homeowners policy? *Note: this answer is based on the Insurance Services Office's HO-3 policy. A:The dwelling and other structures on the premises are protected on an "all risks" basis up to the policy limits. "All risks" means that unless the policy specifically excludes the manner in which your home is damaged or destroyed, there is coverage. The policy limit for the dwelling is set by the policy owner at the time the insurance is purchased. The policy limit for the other structure is usually equal to 10% of the policy limit for the dwelling. Losses to your personal property are covered on a "named perils" basis. "Named perils" means that you have coverage only when your property is damaged or destroyed in the manner specifically described in the policy. The policy limit on the coverage is equal to 50% of the policy limit on the dwelling. Limits for the coverage for the additional expenses that the policy owner may incur when the residence cannot be used because of an insured loss is equal to 20% of the policy limit on the dwelling. The coverage limit on personal liability is determined by the policy owner at the time the policy is issued. The coverage limit on medical payments to others is usually set at $1000 per injured person. Q: Where and when is my personal property covered? A:Personal property (except property that is specifically excluded) is covered anywhere in the world. For example, suppose that while traveling, you purchased a dresser and you want to ship it home. Your homeowners policy would provide coverage for the named perils while the dresser is in transit, even though the dresser has never been in your home before. Q: Do I need earthquake coverage, and how can I get it? A:The standard insurance policy does not pay for direct damages caused by earth movement. "Earth movement" is a much broader term than "earthquake". It includes earthquakes, volcanic activity, and other earth movement. This coverage may be available by endorsement for an additional charge. If you live in an area that is more likely to have an earthquake, you'll pay more than if you live in an area that is unlikely to have one. We can help you weigh the costs and benefits of this coverage before you decide to purchase. ...read more
By Integrity Now Insurance Brokers, Inc. February 06, 2010
As the cost of owning and operating a vehicle increases with time and the rising gas prices, rising repair costs and other factors, cutting costs wherever possible is especially important. This can be done by monitoring your automobile insurance rates. Situations change and it's important to keep a cl... ...read more
Car collision insurance provides coverage in the event of physical damage to the policyholder’s own auto. The damage must be caused by colliding with another vehicle or inanimate object. It doesn’t matter if you are at fault or not. The insurance company pays for losses that are over the d... ...read more