How To Help Your Home Recover From Winter

Erie Insurance recently published a blog post on ten maintenance-related things you can do to help your home recover from the winter months. With yesterday being the first day of spring, we thought we’d share the list with our readers.

SPRING HOME MAINTENANCE CHECKLIST:

  1. Have your roof inspected. (Particularly if you notice leaks, loose shingles, or metal.)

  2. Fix any ceiling stains, which usually indicate a roof leak. But, remember to fix the leak first!

  3. Inspect windows and doors. Look for bent or broken hinges, frames, or edges. Also look for holes in screens.

  4. Consider resealing your driveway. Particularly if you notice cracks.

  5. Seal your deck every few years.

  6. Check your fence(s). Repair or replace any loose slats or rot on your fences.

  7. Clean gutters and downspouts.

  8. Check for ice dams. You may want a professional to check and fix ice dams on the roof.

  9. Apply caulk to leak-prone areas.

  10. Inspect outside faucets and hoses. Turn them on to ensure water is still running as it should; if you can stop the flow with your thumb, the water pressure may be too low and a pipe inside your home may need to be fixed.

Check out the full article from Erie Insurance for more information and tips on maintaining your home after the winter season: www.erieinsurance.com/blog/home-recover-from-winter

Millenials Are Not Carrying Enough Life Insurance

Forbes recently published an article reporting that only 10% of Millenials have enough life insurance in place to cover self-reported needs should they die. That is a scary statistic. Not carrying the proper life insurance puts your family members at financial risk, in the event of your death.

The article reports:

  1. Millenials report a 78% shortfall in life insurance coverage.

  2. By contrast, Gen Xers report a 48% coverage shortfall.

  3. Baby Boomers have a 37% shortfall.

In terms of purchasing life insurance, the article says, "Get enough insurance to replace the lost income of the deceased, so the surviving spouse can carry on with paying the mortgage and saving for retirement."

The American Institute of CPAs has a life insurance needs calculator (link here) to help you determine how much you really need.

Check out the full article here: https://www.forbes.com/sites/ashleaebeling/2018/11/13/the-big-millennial-life-insurance-gap/#65995fea6ac4

And, if you have questions about your life insurance policy, or getting a quote, call your agent.

Erie Insurance Accolades Speak To Company's Strength

For the sixth consecutive year, Erie Insurance received the highest ranking in the J.D. Power 2018 U.S. Insurance Shopping Study for "Customer Satisfaction with the Auto Insurance Purchase Experience." The study measures auto insurance shopping purchase behavior and purchase experience satisfaction among customers who recently bought insurance, and Erie received the highest numerical score: 877 out of 1,000. 

This is huge for Erie because J.D. Power surveys real customers and no other carrier ranks higher.

Also on the trophy shelf, Erie earned A.M. Best's rating of A+ (Superior). While Erie Family Life Insurance earned A.M. Best's rating of A (Excellent). These accolades speak to Erie's financial strength. Customers can be sure Erie is financially sound and will be there for its customers.

For more information on Erie's awards and rankings, visit its website: erieinsurance.com/awards

Clearsurance Ranks Erie Among Top 10 Best Insurance Companies In 2018 For Home And Auto

Clearsurance, an independent community where insurance customers share their individual feedback on auto, homeowner’s and renter’s insurance, has recently ranked Erie among the top 10 best insurance companies in 2018 for both home and auto.

Erie ranked 5th out of 10 among auto insurers, and 2nd out of 10 among the home insurers included.

Check out the full articles here: https://clearsurance.com/best-car-insurance-2018https://clearsurance.com/best-home-insurance-2018.

And here are the results as displayed on Clearsurance:

Source: https://clearsurance.com/best-car-insuranc...

Erie Auto Insurance "Xtras"

By: Nicole Vattimo

Erie insurance is a terrific company that is constantly receiving industry recognition for its claims and customer satisfaction. But, we at Forbes Insurance wanted to take a minute to shout-out Erie for the ways it helps clients through superior coverage offerings. The following coverages are standard in Erie personal auto policies, while not all are automatically offered by other carriers.

Check out Erie's blog, "Understanding Auto Insurance: ERIE 'Xtras,'" for more on the below included coverages:

  1. Road Trip Coverage - Erie offers up to $75 per passenger in the vehicle for travel expenses if you don’t reach your destination and aren’t close to home.
     
  2. Pet Protection - If your pet is hurt in a covered accident while riding in your car, Erie will help cover the vet treatment costs up to $500 per pet (up to two pets, with a total limit of $1,000).
     
  3. Locksmith - If you lock your keys in your car and carry comprehensive or collision coverage, Erie will reimburse you up to $75 for the cost of locksmith services on your insured car.
     
  4. New Car Addition - Erie gives you 7 days to add a new vehicle to your policy, so if you forget initially, it's okay. Just be sure to contact your agent within 7 days so you have the proper coverage.
     
  5. Personal Items - If personal items are damaged in a car accident, Erie gives you up to $350 toward your personal items not covered by other insurance.

For any questions about your exact coverages, always feel free to contact your Erie agent.

Source: https://www.erieinsurance.com/blog/underst...

The Benefits Of Having An Insurance Agent

While purchasing insurance online can be convenient, there are true benefits to working with an agent, in-person for your insurance needs. Agents are required to have industry licenses and complete continuing education; meaning that when you need guidance and advice, they are equipped to give it. Their industry knowledge can help with everything from choosing the appropriate coverages, to navigating the claims process.

Technology is great, but sometimes having a real person to guide you is better.