Category Archives: Grange

Don’t Get Burned By Insurance Claims This Summer

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Grange Insurance offers tips to have fun and stay safe

School is out for the summer, and for many, that means vacations, cookouts and pool parties. Summer is fun, but its activities can also lead to unnecessary and expensive claims if families do not take the right precautions.

Columbus, Ohio-based Grange Insurance offers tips to help families have fun, stay safe and avoid claims that could become financial inconveniences.

 

1. Prepare your house for ‘vacation mode.’   Security Alarm

Families should prepare their homes for ‘vacation mode’ if they’re planning to be gone for an extended period of time.

“Turn off the valve on the washing machine, check the back-up battery on the sump pump and put high-end electronics on a storm surge protector in case bad weather should occur that might lead to flooding or fires in the home while homeowners are away,” advises Ken Kozek, vice president of claims for Grange Insurance.

Kozek also advises families leaving town to have a trusted neighbor check the home periodically, alert the local police to increase neighbor check the home periodically, alert the local police to increase neighborhood watch, put lights on a timer, and stop mail and newspaper delivery.

 

2. Don’t be a target for theft.   Theft

Homes are a target for theft when homeowners are away, but thefts can occur just as easily when homeowners are home.

“Summer is open-window season for houses and cars and open-door season for the garage, so be mindful of your personal belongings,” adds Kozek. “If you’re going to leave windows or doors open, keep things like wallets, cell phones, golf clubs and jewelry out of sight.”

 

3. Be safe around water.   Swimming Pool

“Swimming is a great summer activity, but water can also be very dangerous if you’re not careful,” said Kozek. “Families should take precautions when it comes to activities that include water and keep an eye on kids at all times to avoid drowning.”

Kozek also advises families with pools to install a fence around the premise to prevent unwanted swimmers who, if injured, could become a liability for the homeowner.

“Homeowners should also consider installing motion-activated alarms around the pool that will sound an alert if someone falls in,” adds Kozek.

 

4. Don’t play with fire.   Fireworks

Fireworks are enjoyable and fun to watch, but they can also lead to serious injury, especially to children. They’re also a leading cause of summer house fires. Grange Insurance urges families to stay safe and leave fireworks to the professionals this summer.

 

5. Know your coverage options when you’re away from home.   summer_vacation

Grange Insurance encourages families to contact their independent agent before renting cars, boats or vacation homes this summer.

“Families should be aware of what their coverage options are before they leave for vacation,” said Kozek. “Additional coverage might be needed when renting cars, boats or homes, but in some cases, current auto and homeowner policies might provide all the coverage that is needed. Your independent agent is a great resource to help make sure you’re covered for any situation, and they can help you save money by avoiding potentially unnecessary rental charges too.”

 

For more information about staying safe and saving money this summer, visit www.grangeinsurance.com or call the Reno Agency today at 269.792.2232.

 

About Grange

Grange Insurance, with $2 billion in assets and more than $1 billion in annual revenue, is an insurance provider founded in 1935 and based in Columbus, Ohio. Through its network of independent agents, Grange offers auto, home, life and business insurance protection. The company and its affiliates serve policyholders in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin. For more information, visit www.grangeinsurance.com.

Hot Off the Grange Insurance Press: Putting Together the Pieces of your Insurance Policy Puzzle

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Grange Insurance shares steps to reading insurance policies

Columbus, Ohio – According to Punxsutawney Phil, spring is just around the corner. For those of you who live in colder climates, this might be a welcome change. However, this also means that the sometimes volatile weather is right around the corner, making now a good time to review your insurance policy to make sure you have the coverage you need as we approach storm season.

Similar to putting together a 1,000-piece puzzle, reading an insurance policy can seem daunting at first glance. This can make it hard to determine what you’re looking at and how much coverage you have. To cut through the clutter, Grange Insurance offers five tips to quickly understand the pieces of your insurance policy puzzle:

Start with the Declarations Page

The Declarations Page is typically the first page of an insurance policy, but policy holders might also receive this as a standalone document. “The Declarations Page is like the four corners of your puzzle, and it serves as a roadmap for your policy,” says Larry Tamasovich, manager of policy forms and compliance, Grange Insurance.

The Declarations Page includes a list of form numbers that apply to your policy, and it provides basic information such as name and address of the insurance agency, what is insured, for how much, under what circumstances, and for how long. It might also include additions to the policy beyond basic coverage.

Assemble your Policy

Once you’ve reviewed the Declarations Page, you can begin piecing it together. The first step is to identify the policy form numbers on your Declarations Page and match them up with the form numbers of your policy. You should also look for the edition dates of the policy forms shown on the Declarations Page and compare them to the edition dates of the forms received for your policy. This will help you determine if you have a complete, up-to-date policy. If you’re missing anything, contact your independent insurance agent or insurance company.

Identify your Coverage

With the Declarations Page and policy in-hand, you have the proper forms to start filling in the middle pieces of your policy puzzle. Each policy is typically broken out into broad coverage sections identified by titles that include an insuring agreement and an exclusions section. The policy itself should have an index page to make it easier to identify sections within the policy. To identify your coverage, follow these four steps:

1.  Turn to the section in your policy that you want to review, such as homeowners property protection.
2.  Refer to the insuring agreement section to see your broad coverage.
3.  Turn back to your Declarations Page to verify if that coverage applies to your specific policy, what your limit and/or premium is, and if you have a deductible.
4.  Once you’ve determined that this coverage applies to you, refer back to your policy and read the exclusions page for that section to get an understanding of what is not included.

“For example, maybe you’re concerned your basement might flood during the upcoming rainy season,” said Tamasovich. “The insuring agreement will tell you what is covered in your house, but the exclusions section might tell you that floods are not covered unless you have a separate flood policy. If flooding is truly a concern, this would be a red flag to contact your agent about a flood policy to make sure that you have the proper coverage in place to fully protect your home.”

Refer to the Definitions Section

Insurance policies can be loaded with legal language and industry jargon, and that can make the meat of your policy hard to digest at times. Every policy should include a Definitions Section. If ay any time you are unsure of what the policy is stating, refer to the Definitions Section to see if you can find an explanation.

Call your Agent

Even after these steps, your insurance policy may still be overwhelming, says Tamasovich. At that point, it may be time to call your independent agent.

“We’re coming up on the most volatile time of the year in terms of weather, making now a good time to get your ducks in a row before bad weather hits,” said Tamasovich. “If ay any time you’re unsure of what you’re reading or what your coverage is, call your agent. He or she can help explain what’s in your policy, and more importantly, help make sure that you’re appropriately protected for the future.”

For more information about insurance policies and the types of insurance available to you, visit www.GrangeInsurance.com or call your independent agent today.

 

About Grange

Grange Insurance, with $2 billion in assets and in excess of $1 billion in annual revenue, is an insurance provider based in Columbus, Ohio. Through its network of independent agents, Grange offers auto, home, life, and business insurance protection. Established in 1935, the company and its affiliates serve policyholders in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin. For more information, visit www.GrangeInsurance.com.

 

New Home Inventory Documenting Service to Reno Agency Homeowners Insurance Customers

Based on the photos of what we’ve seen on the news of the aftermath of Superstorm Sandy, the late season hurricane that affected numerous residents along the east coast, it has been made very clear how devastating a major homeowners claim can be. As a result, The Reno Agency is stepping up by offering a free service to all of our new and existing Homeowners Insurance customers. This service includes visiting your home to video tape the inside of your entire house, which we will then save that video on our cloud-based servers.

“Cloud-based” technology is a term that refers to applications, services or resources that are made available to users on demand via the Internet from a cloud computing provider’s servers. (Source: webopedia.com)

By The Reno Agency utilizing this technology, it will ensure that when you are in shock about how your home looks after a disaster, we will have a video to send to your claims representative of what your home looked like prior to any damage.

To our existing clients, please call us at 269.792.2232 to schedule your appointment.

To those of you who are not currently with The Reno Agency for your insurance, but would like a proposal comparing your company to our companies, please call us at 269.792.2232 (toll free at 877.774.7366), or email a copy of your current declarations page to mike@renoagency.com.

Fire Protection Tips for Businesses and Residents

As the weather gets colder, it’s likely that we’ll turn up our heat and brace ourselves for the winter ahead. But because the use of heating systems increases during the cold weather months, so does the frequency of residential and business fires. In fact, more than 50,000 heating fires in residential buildings occur each year in the United States, a majority of which happen from November through March, according to the U.S. Fire Administration.

It is important that business owners and homeowners alike prepare their employees and families for potential fires, and practice important prevention habits. Grange Insurance, a Columbus, Ohio-based insurance company, offers advice on how to play it safe when it comes to fire.

1. Make sure you’re covered.

Homeowners, renters and business owners should ensure they have the proper insurance coverage in place in case of a fire. Most policies cover fire damage to residences or businesses, as well as personal belongings, but may have some limitations. In addition, most commercial insurance will protect business owners from liability if an employee is injured or loss of life occurs during a fire.

“Review your policy to ensure your personal property is covered, especially expensive items such as machinery or jewelry. It’s also important to understand whether or not your policy provides additional living expense coverage, which can help pay for you to stay in a hotel or temporary housing while your home is rebuilt or repaired,” said Ken Kozek, Vice President of Claims at Grange Insurance. “If you do not already have a homeowner, condo or renter’s policy in place, consider investing in one. As a business owner, it is imperative that you have a proper policy to protect against liability and property damage or loss.”

2. Practice makes perfect.

It only takes minutes for a house or business to become engulfed in flames, making a planned escape route a necessity. Plan an escape route and post it where everyone can easily find it. Practice your route at least twice per year at different times during the day, especially with children or people with disabilities.

Designate a meeting spot a safe distance from your home or business, such as a tree across the street, so you can assure everyone made it out safely. Alert the fire

department if someone is missing or if pets are trapped so they can perform a rescue safely.

3. Fire-proof your home or business.

Stop the fire before it starts by eliminating potential hazards in your home or business. Equip yourself with fire extinguishers, regularly tested smoke alarms and sprinklers. Keep curtains, towels or any items that can easily catch fire at least three feet from heaters. Business owners should also consider posting “No Smoking” signs around machinery and flammable materials to alert employees of potential danger.

It is also important to protect important papers including birth certificates, property inventory and proof of its value, such as receipts, titles and appraisals.

“In the case of a fire, business owners may be required to show proof of property value to ensure full coverage from their insurance policy,” said Kozek. “Make copies of all your important documents, and keep the originals in a bank safe deposit box outside of your business.”

4. Memorize emergency contact information.

Make sure that everyone in your home knows how to dial 9-1-1. Business owners and families should also post emergency phone numbers in a central place such as on the refrigerator or in the break room so they are easily accessible.

Grange Homeowner rates adjusted

Effective February 1st, Grange Insurance Pin-Point Homeowner policies:  Rates will likely increase slightly but will vary by each policy.  With this revision however, Grange is also introducting an automated rate-capping program to prevent rate changes from significantly affecting a policy’s premium.  If a policy’s renewal premium reaches the capping threshold due to a rate change, a note will print on the Declarations Page indicating a rate cap applies.

Effective December 15th, Grange Goldstar or Preferred homeowner policies will be increased due to loss experience.  Rate adjustments will vary by policy.