Pet Health Care Coverage
- Routine and emergency veterinarian office visits
- Pet hospitalization
- Prescription medications
- Diagnostic medical tests
- X-ray examinations
- Heartworm protection
- Spaying and neutering
- Laboratory fees
- Vaccines and immunizations
Pet Liability Insurance
- The tornadoes that hit Tuscaloosa and Hackenberg, Ala., April 22-28, 2011, caused $7.6 billion in insured losses and affected 13 states.
- On May 22, 2011, an EF-5 tornado struck Joplin, Mo., which at its peak was more than one mile wide with winds that registered at more than 200 mph. As the tornado traveled 22 miles across the state, it killed 158 people and injured more than one thousand more, according to a report from U.S. Tornadoes. The series of tornadoes that impacted 20 states resulted in $7.2 billion in insured losses.
- Tornadoes in Southeast Kansas and Missouri on May 2, 2013, affected residents in 18 states altogether, and created approximately $4 billion in insured losses.
- Tornado Watch â€• conditions are favorable for tornadoes in the area.
- Tornado Warning â€• issued from NOAA, thunderstorms with tornadoes are imminent or occurring.
- Provided it is safe to do so, residents should secure any items that could become projectiles such as umbrellas, outdoor furniture or trash cans; move vehicles inside a garage or carport; and check tie-downs for mobile homes before moving to a safe location.
- When it comes to tornado readiness, the new tornado guide offers several recommendations to keep residents safe when a tornado hits. People who get caught outside or in a mobile home should immediately seek shelter inside a solidly constructed structure or in the basement of a nearby building. If you can't get to a building in time, lie down in a ditch or other low-lying area and cover your head with your arms.
- Unlike the movie "Twister," drivers should not follow or try to outrun a tornado. If possible, drivers should seek shelter in a sturdy structure, but should not park under a highway overpass since it could collapse in the high winds.
- Residents inside a home or other building should go to an interior room in the basement. If there is no basement, go to an inside room, preferably one without windows such as an interior hallway, a closet or a bathroom on the lowest level possible.
- To protect against flying debris, use cushions, blankets, a mattress or other impermeable items as a cover.
- Creating a home inventory with photographs can be most valuable when it comes to reporting items lost in a tornado or other weather event. Many insurers have tools that can help capture a home's contents before a loss occurs. At the very least, take photos of each room in the home, paying particular attention to antiques, works of art, collections of any sort, firearms, rare books, jewelry, furs and other items that would be difficult to replace in the event of a loss. Make sure to check with an insurance agent to ensure the items have the proper coverage and limits.
- Save the photos to the cloud or store them someplace where they can be easily accessed in the event the home is damaged or destroyed.
- Policyholders should contact their insurance agents or other company representatives to report any damage. An agent should be able to provide information on additional living expenses that will be reimbursed and other payment information.
- Take photos of the damage and begin creating an inventory of what was lost or damaged. (This is where a home inventory can be particularly helpful.)
- Secure the property against further damage and theft, as best as possible.
- Keep a log of conversations with individuals involved with the claim. Save receipts for all expenses, such as food, clothing, lodging, medication, repairs.
- Business owners should keep records of any activities that have been affected by the tornado and extra expenses incurred. An agent can provide information on what is covered under business interruption coverage.
- Beware of fraudsters. Unfortunately, some individuals see disasters as an opportunity to take advantage of people who have already suffered tragic losses. Check out companies who solicit your business with the Better Business Bureau and other online rating services. Call previous customers to see if they were satisfied with the work performed. Don't pay for everything up front and remember that if what the company promises sounds too good to be true, it probably is.
[Portions of this blog article taken from a release on MAY 05, 2016 BY PATRICIA L. HARMAN with PROPERTYCASUALTY360.COM]
[Portions of this blog article taken from an article: "Snapchat at 107 M.P.H.? Lawsuit Blames Teenager (and Snapchat)" by Katie Rogers from www.nytimes.com, May 3rd, 2016]
1. Make a Medical Plan
2. Prepare a Disaster Kit
- Enough food, water and other supplies to last for at least 72 hours.
- Items necessary for your specific needs, such as eyeglasses, catheters, hearing aid batteries, oxygen or meal replacement shakes, for example.
- Important documents, such as health insurance cards, Medicare cards, family records, power of attorney, copies of your Homeowners' and Auto insurance policies and contact information for your insurance professional.
- Cash to purchase emergency supplies in the event that power outages prevent the use of credit cards or ATMs.
- For a full list of disaster supply items, see Ready.gov.
3. Plan for an Evacuation
- Contact your county government or local municipality to find out whether you are in an evacuation zone.
- Locate the nearest official shelter - the American Red Cross or your local government will have this information.
- If you have a pet, be sure to research shelter pet friendly shelter options.
- If you are physically unable to drive, identify someone who can provide transportation. And, if you have any disabilities, are wheelchair bound or use a walker or cane, build more time into your evacuation plan.
- Create a network of neighbors, relatives, friends and co-workers you can rely on in an emergency.
- Share your plans with the group and make sure you know how to communicate with each other if a disaster strikes.
4. Take Steps to Prepare Your Home
5. Make Sure Your Homeowners' Insurance is Up-To-Date
- Do I have enough coverage to completely rebuild my home?
- Is my Additional Living Expenses limit sufficient to cover the extra costs involved in living away from home if my house is being repaired after a disaster?
- What is my deductible? And do I have a separate deductible for hurricanes, hail or earthquakes?
- Keep an up-to-date home inventory - it will make it easier to both purchase the right amount of insurance for your belongings and file a claim. Most carriers have information on how to create a home inventory, and some have inventory software that lives "in the cloud" so you can access it from anywhere after a disaster.
6. Consider Other Coverages
7. Take Advantage of Resources Available to Seniors
Consider this: milder days offer a prime opportunity for spring cleaning and home maintenance. After a long winter, it's highly advisable that you consider spending some time on preventive measures that will help maintain your home and property all year long. From cleaning out your gutters and checking for dead trees and branches, to cleaning and inspecting your home mechanical systems such as your heating and air conditioning equipment, there are many ways to make spring a season of safety. Insurance premiums can be saved and claims can be prevented with just a little maintenance work around your home. Here are some examples:
Inside Your Home
- Check your electrical outlets for potential fire hazards, such as frayed wires or loose-fitting plugs. Make sure outlets, fuse boxes and extension cords are not overloaded.
- Move your multi-purpose fire extinguisher to an accessible place, and make sure it is filled and ready for operation.
- Have your air-conditioning system inspected by a professional as recommended by the manufacturer.
- Check your water heater for leaks and corrosion.
- Clean or replace your furnace filter.
- Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material.
- Inspect your smoke detectors. Make sure there is one on each floor of your home. Test them monthly, and change the batteries annually or as needed.
- Check the light bulbs in all your fixtures. Be sure they are the correct wattage as recommended by the manufacturer.
- Replace all high-intensity bulbs with fluorescent bulbs. Other types of bulbs, like incandescent, produce more heat than fluorescent bulbs.
Outside Your Home
- Check for damage to your roof.
- Clean gutters and downspouts to keep debris from accumulating.
- Remove dead trees in your yard.
- Keep healthy trees and bushes trimmed and away from utility wires.
- Safely store oil and gas for lawn equipment and tools in a vented, locked area.
- Repair cracked, broken or uneven driveways and walkways to provide a level walking surface.
- "Do you have insurance as a UBER driver?" "Yes ... my auto is insured...." he answered. "But do you have an endorsement that covers this type of ride." "I think so..." he answers....
- What happens if you wreck this car while I am in it? Are my injuries covered and will your car be repaired using your vehicle this way? "I think so ..." he answers.....
If you're texting while driving, you're not driving! Watch!
A public service announcement from the insurance agency that wants you to have the right insurance so that you'll be safe rather than sorry!
Let us know if we can help by emailing us at info@BentonWhite.com or contact any of our staff at 615.377.1212. We're strong proponents of "DO NOT TEXT - WHEN YOU DRIVE!" It's the safest way to travel for you and others!
1. The Roof
- The average cost to repair roof leaks on a 10 foot by 10 foot area of asphalt shingles is around $650.
- The total costs range from $500 for simply replacing the shingles to $1,750 to repair and apply a sealant.
- The costs to repair a tile roof are around $,1500 for damaged steel tiles.
- The total costs for this type of repair range from $450 for repairing metal flashing to $8,000 if the underlayment needs replacing.
- Money-saving tips
- Minimize the damage to the roof by tacking a tarp over the damaged area until it can get repaired.
- Remove ice dams as soon as possible to prevent water from backing up beneath the shingles and causing more damage.
- Remove the snow on the roof as soon as possible to prevent new ice dams from forming and causing future problems.
- Look into getting better attic insulation, as this will help to prevent ice dams in the future as well.
- Gutter screens are easy - and cheaper - to install yourself. (Photo: iStock)
- The costs of gutter repair range from new downspouts to a complete gutter replacement.
- The average cost of installing new downspouts is $160, with a total range of $4 for a do-it-yourself job to $160 for a medium-size house.
- The average cost of installing new gutter guards to help prevent damage is $200 for do-it-yourself on 200 feet, with a range up to $3,600 for 200 feet of luxury product installed.
- The average cost of replacing your gutters is between $1,050 and $2,400 for 200 feet, with total costs ranging from $625 for a do-it-yourself job to $2,400 for professional installation. Money-saving tips
- You can help lower costs by cleaning the gutters before winter begins and removing ice dams in a timely way.
- PVC gutters and downspouts cost less than aluminum or copper, but you should choose what best fits your house's aesthetic.
- Heating elements are available that can help melt ice in your gutters all winter long; you may want to invest in these while having repairs done to help prevent problems.
- Gutter screens are the easiest thing to install do-it-yourself, which can save installation costs in the future as well.
- The average cost to paint a home's exterior is between $2,500 to $3,000 for a 1,500-square-foot home.The total costs range from $500 for a do-it-yourself paint job to $4,000 for homes that have a lot of trim and woodwork to paint.
- Money-saving tips
- Using multiple colors on your home can increase its aesthetic, but can also increase the total cost, as can having a lot of different architectural features or trim to paint.
- Do-it-yourself jobs can save a lot of money. Be sure to scrape the existing surfaces well, then apply a primer and two coats of paint to avoid having to repaint again soon.
- Aluminum siding and fiber cement can be painted to freshen up their colors and give a home a new look without replacing the siding.
- The average costs to repair siding range from $300 to $1,000, depending on the type of the siding being damaged, and the extent. Vinyl is the least expensive material to repair, as well as one of the easiest to do yourself, while aluminum is among the most expensive to repair with costs ranging from $500 to $900.
- Money-saving tips
- The cost to hire a carpenter to repair siding is around $40 to $50 an hour. If you are able to repair it yourself, you can usually save a considerable amount of money.
- Both aluminum and vinyl are often replaced during repair jobs. Shop around to get a good color match so you don't need to replace as large a section.
- Repairing wood siding almost always will require the new section to be painted as well. Painting it yourself can help save on labor costs.
- The average cost to pave a driveway in either gravel or asphalt ranges from $800 to $1,990 for a 38-foot by 16-foot driveway.
- The total costs range from about $300 for a gravel do-it-yourself job to $14,880 for a driveway laid with brick pavers.
- Money-saving tips
- If you have a lot of curves or grades in your driveway, this can increase costs.
- Sealing an existing driveway with tar can help prevent potholes and major cracks by filling up the smaller cracks before they have a chance to expand.
- Gravel is a less expensive way to fill a driveway, but the small stones frequently get scraped away by plows, allowing rainwater to form potholes. Therefore, paving a driveway with asphalt may be a longer term solution, saving money in the long run.
- Repair cracks in the foundation to avoid major structural problems later on. (Photo: iStock)
- The average cost to repair a foundation that has been badly damaged ranges from $5,000 to $7,000.
- Costs can be affected by the need for an inspection, how widespread the damage is and what types of repairs that may needed. Small cracks that only require sealing can cost as little as a few hundred dollars, while major cracks will require more extensive work.
- Money-saving tips
- If you need extensive work done on the foundation, you may want to get at least three estimates from different repair companies to try to find the best pricing for the job.
- Remember that landscaping may be affected by foundation work. Nearby shrubs or plants may need to be replaced after the work has been done.
- Having a trench dug for a well pump at the same the foundation work is done can help prevent problems such as flooding.
- Always inspect the foundation each spring and seal any minor cracks you find to help prevent more extensive work.
- Trim your trees to keep them from damaging your home during a storm. (Photo: iStock)
- The average cost of tree trimming is around $591 per tree, assuming a total of five trees to be trimmed at once.
- Costs range from about $227 per tree for a do-it-yourself job to $709 per tree for large trees during peak trimming seasons. All costs should include the equipment necessary to do the job and hauling away the cut limbs.
- Money-saving tips
- If you have a large number of trees on your property, and are considering having some of them removed, you can sometimes get your trimming done for free by allowing the company to remove a certain number of trees for their own use.
- To ensure that the work is done properly, always hire a company that is registered with the Tree Care Industry Association. Do not allow workers on your property that wear spike-soled shoes, as these can damage the trees.
- Check with your utility company before hiring someone to do the job, as some companies will trim trees located near power lines at no cost to you.
Our website has become a major contact source for our agency. We never want to put aside the importance of one to one communication with those that need us, but if you can't reach us at times, the website is ALWAYS there! We have spent much time and money to develop the most user-friendly site we have seen from an independent insurance agency. The site - BentonWhite.com is designed so that when you are at your desktop, laptop, tablet or phone, you will see the site that best fits your chosen internet instrument. With such mobility available these days, we know how important it is you have the information at your fingertips any time you want it. BentonWhite.com gives that to you.
- We have had some customers at the scene of an accident, open up the website and file a claim in real time from their phone while they wait on the police. At the top of the front page in two different places, you can click on FILE A CLAIM.
- Someone at a coffee shop had a question about a billing circumstance, clicked on our website and saw at the top right corner - CLICK TO CHAT NOW! That feature is available 24/7 where you actually CHAT with one of our staff during normal business hours or leave a message after hours. We're glad to see that section is being used. We stop what we're doing and are ready to help when a CHAT comes in.
- We have had many visitors who need insurance click on the box on the front page - NEED INSURANCE? They visit that section of the site and actually can get a quote from us for insurance. In some sections, the rates will appear immediately. In other sections, you can input the data for us and we'll quote the rate for you within 24 hours.
- One of the most visited pages on our site is the CONTACT US page! Instead of looking up our numbers or calling for information about how to reach us or find our office location, there is the CONTACT US box also on the front page. Just click and go!
- Customer Care Center (so many forms you need where you can change a bank payment, change an address and a host of others right on the Customer Care Center page.
- Glossary of insurance terms. No Google needed - just click and go!
- Videos to explain all things insurance including what to collect at the scene of an accident so you'll have what you need to file the claim plus many, many more!
- FAQ - questions we get all the time ANSWERED on our Frequently Asked Questions section.
- Myth #1: Homeowners' policy will cover a stolen bike, and separate bicycle insurance is not necessary.
- Though a homeowners' policy can sometimes provide coverage for bicycle theft, some homeowners' policies have low coverage limits for things like sporting equipment. "There is a lack of awareness on the need for this coverage. Most people just assume they are fully covered under their homeowners or renters' policies (as most people don't read the actual policy documents they receive to know exactly what is and isn't covered). In the unfortunate event of an accident, they are shocked to find out there may be exclusions on their homeowner or renters' coverage and possible other limitations, so the cyclist may not receive the full value of the bicycle," said marketing coordinator of Markel American Insurance Co. Lauren Hernandez. Bicycle owners who fall victim to theft may be faced with much of the replacement cost for their bikes because of low coverage limits and high deductibles. What's more is that a bicycle claim could cause a person's homeowners' rates to go up. With a separate bicycle insurance policy, cyclists can protect their homeowners' rates and protect their bike from worst-case scenarios.
- Myth #2: If my homeowners' insurance company writes special coverage (an insurance rider) for the value of my bike, a stand-alone policy is not necessary.
- Many clients are unaware that even if special coverage is provided in the policy, a stolen or damage bike can still cause a cyclist to fall victim to the homeowners' policy restrictions as there may be exclusions on coverage or other limitations. Bicycle policies can ensure spare parts and apparel are covered and can provide coverage while racing. Policies can often be customized to fit a cyclist's needs. Roadside assistance, including emergency transportation, is an option offered by some providers.
- Myth #3: If I buy the best bike lock on the market and I'm smart about storing my bike, it won't get stolen.
- According to FBI Crime Statistics, a bicycle is reported stolen every 2.8 minutes. While bike locks do deter thieves, it does not mean that a bike will not be stolen. Expert thieves can easily spot high-value bikes, and even with the best bike lock on the market, they know how to make a bike disappear. Bicycle insurance can cover a bike anywhere at any time, giving cyclists peace of mind concerning the protection of their bike, but owners still need to be aware of their bicycles in order to keep them safe. "One tip for avoiding theft is out of sight, out of mind.' Keeping your cycle hidden from view is a great way to keep it from rolling away. Of course, always lock your bike to an immovable object with quality cables or U-Locks thru the frame and tires. Remember to remove anything that is easily removable, like lights or your GPS. Also something to keep in mind is storing your bicycle in an area that is dry and out of direct sunlight for prolonged periods. No one wants rotting tires or rusting component, and the sun can do damage that, over time, weakens the performance of some plastic or rubber materials."
- Myth #4: Bicycle insurance is expensive.
- Bicycle insurance does not need to be expensive. Markel's bicycle insurance policies, for example, start at $100, and the average policy costs between $250 and $300 a year. For a bike that is worth thousands of dollars, insurance expenses are nothing compared to bike replacement or repair if the worst should happen. In addition, some carriers provide discounts for members of USA Cycling, USA Triathlon and other bicycling associations, lowering the cost for avid cyclists.
- Myth #5: Only professional cyclists need insurance.
- Amateur cyclists, triathletes, and anyone else with a love of biking could use bicycle insurance. Protecting against liability, damage or losses can further enhance the biking experience by providing a cyclist with the satisfaction of knowing their bicycle is protected.
And from all of us at Benton White Insurance we wish you a Happy Easter !
- They offer BROAD acceptability meaning that their specialized policies cover 99% of all motorcycles, ATVs, Segways and golf carts!
- They have specialized coverage that you won't find on a homeowners or auto policy supplement.
- Their coverage options exceed other specialized carriers
- Carried Contents® coverage - pays to replace insureds' owned personal property (such as hunting, camping, touring, or similar gear) that is damaged, destroyed or stolen from the vehicle.
- Enhanced Injury Protection - covers a portion of income loss or death benefit as the result of a covered accident.
- Disappearing Deductibles - 25% reduction in Comprehensive and Collision deductible for each claim-free policy period. The fourth consecutive claim-free policy period deductible is $0. That's right - you can EARN no deductible!
- Total Loss Coverage (TLC) available for all motorcycles and ATVs that pays the MSRP of a current model year vehicle of the same make/model for a total loss protecting against depreciation and inflation.
- Off-road vehicles covered off-road and on-road
- No deduction for depreciation or betterment on partial losses
- Discounts or lower rates are there for customers who:
- Initiate a quote at least one day before their policy begins
- Make prompt payments
- Own a home and/or multiple vehicles
- Have multiple Progressive policies
We have been writing insurance policies with TRAVELERS Insurance Company for several years now. They’re one of our premier companies who we quote daily to our prospects & insureds who want competitive pricing and enhanced coverage’s. I attended a regional meeting a few days ago where we learned many front-edge initiatives that Travelers will be implementing over the next 12 to 24 months. They are innovative and consumer favorable on many levels. These A+ rated Top 10 carriers are ramping...
Boating season is literally upon us. Whether you fish, ski, or just take the boat out to relax, you HAVE to ask the question - "Am I covered for what might happen out on the water!?" What we find is that many boat owners just purchase a policy by making sure the price is affordable, and they sometimes miss the small print about what IS and what IS NOT covered. We write insurance on boats and have several policies in force for happy customers. But as I've mentioned, we always want to make sure...
03/01/2018Introducing Our New Texting Service!
At Benton White Insurance we are always trying to make our service as streamlined and as simple for our wonderful customers! We want you to be able to contact us and get answers to your questions as quickly and easily as you can. That is why we are introducing TEXTING as an option to those who would like to use it! Question about billing? Text or Call us! Claim question or confusion? Text or Call us! Want to make a policy change? Text or Call us! Got an insurance question? ...