HVAC Vendor Program Makes Life Easy for my Clients

 HVAC Programs Makes Life Easy for My ClientsAlways wanting to serve my clients, I use an HVAC Vendor Program Makes Life Easy for my Clients…

Creating a great customer experience

Have you ever found yourself in the middle of a claim involving heating, ventilation and air conditioning (HVAC) and found yourself faced with major inconveniences, such as tracking down a contractor to assess the damage, slow turn times, delays and low-quality repairs?

That is why I am excited that one of the carriers I represent designed a program to make it easy to help you manage any HVAC-related claims – to ensure quick and accurate evaluations, an easy-to manage-process and diminishing your headache in getting your unit to its pre-loss condition?

What different choices in selecting your insurance carrier would you make if you knew your homeowner’s insurance was more than a policy? If you could be confident your agent was ready and available to guarantee you received a quick and seamless claim process – and an introduction to an approved local vendor?

Who Actually Pays for Auto Crashes

Vehicle CrashesReading a recent article from the National Directory of Insurance (NDOI), a few startling facts caused me to stop and note I need to share with you who actually does pay for auto crashes.

For example:

A vehicle crashes somewhere in the United States—every 16 minutes—costing almost a trillion dollars in loss of productivity and/or life.

According to the article, in a typical accident it is not uncommon for private insurers of life, auto and health to pick up roughly 50% of the vehicle crash costs; the victims pay about 26%, and the balance is incurred by uninvolved motorists—delayed in traffic charities—Federal revenues and state and local municipalities.

Although the greatest loss is, of course, that of the human lives involved in tragic auto crashes, unfortunately it is society that bears the brunt of myriad costs associated with motor vehicle crashes… represented by increased insurance premiums, taxes and delayed travel—collectively accounting for roughly 75% of the costs being absorbed by persons NOT involved in the actual crash.

 

Making MORE happen for my insurance clients…

Jan Vitale

Arizona Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years
http://www.lifetimeinvestmentsllc.com/
JanVitale@lifetimeinvestmentsllc.com

How Homeowners Insurance Protects You from Personal Injury Claims

Why do you have homeowners insurance? Most homeowners would respond that their homeowners insurance reimburses them for expenses if their home is damaged by an accident, fire or other event. In fact, home insurance also protects homeowners in many other ways. Whether you own an estate near The Lakes or a mobile home in Rancho Rio Vista or anywhere else in the Tempe, AZ area, your home insurance policy may shield you from a wide range of financial perils, from refrigerator outages to a personal injury claim resulting from an injury in your home.

Why Personal Injury Protection Is Important for Homeowners

Under Arizona law, if someone is injured on your property, the courts could force you to pay their medical bills and related expenses. In a worst case scenario, a personal injury judgment could put your home at risk. When faced with a serious personal injury claim, Tempe homeowners could find their savings wiped out or worse.

Homeowners Liability Insurance

Homeowners liability insurance protects your financial security by covering those expenses on your behalf. While specific coverage varies, homeowners liability policies may cover medical bills incurred after someone who doesn’t live in your home is injured on your property. If, for example, the cable repairman trips on a tree root in your yard and breaks his ankle, your insurance company may pay his hospital bills, ambulance charges, physical therapy bills and other expenses related to that injury. In addition, the insurance company may handle any litigation about the expenses and negotiate with the injured party’s lawyers so that you don’t have to deal with that headache.

Other Homeowners Insurance Benefits

As insurance agents in Tempe, we understand that protecting your home is about more than helping you recover after a fire or other event damages your home. . We’re proud to serve homeowners in the 85280 ZIP code. Call us to discuss your insurance needs and to get a quote on the best homeowners’ insurance policy to cover them.

Making MORE happen for my insurance clients…

Jan Vitale

Arizona Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years
http://www.lifetimeinvestmentsllc.com/
JanVitale@lifetimeinvestmentsllc.com

Homeowners Valuable Items Insurance Coverage

Homeowner's Valuable Items InsuranceHomeowners Valuable Items Insurance Coverage is an important policy about which you, as a homeowner, should be highly aware. Have you ever stopped to consider the potential loss you could experience if your home were burglarized?

Statistics tell me you should!

According to the latest numbers, somewhere across the nation, one of every six homes will experience this invasion and result in an average $1,675 in monetary loss… and immeasurable trauma caused by the event. Often, the emotional connection to our valuables is tremendous when it comes to potentially irreplaceable valuables.

Looking to the best benefit of my clients, I ensure I have carriers who provide unique coverage, competitive prices and great value. Not every homeowner senses the value of having flexible coverage options for valuable articles coverage, but if you want to avoid becoming a statistic – the coverage is there for you.

Are you unsure if the product is something you need? All you need to do is make an assessment of your valuable items such as heirloom silver; jewelry passed from generation to generation, art or other valuable personal belongings.

Note: Typical homeowners policies do not cover these separately classified precious items; however, there are multiple options available to protect your valuables. The following are suggested items for which you might want to provide more protection: jewelry, silverware, stamp and coin collections, musical instruments and electronic equipment.

You will want to secure a policy that offers an agreed-upon value for each item, with no deductible, and a claims experience that can be straightforward and simple. You might also want to inquire about “grouped insurance” alternatives where you don’t list each individual piece, but receive blanket coverage for items such as fine art, collectibles, breakable glass, cameras, furs, jewelry, and silverware.

Making MORE happen for my insurance clients…

Jan Vitale

Arizona Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years
http://www.lifetimeinvestmentsllc.com/
JanVitale@lifetimeinvestmentsllc.com

 

Insurance Customer Information Security

janv img inet security

As an Arizona Independent Insurance Agent, security is always at the top-of-mind concern in my professional responsibility for the safekeeping of client information. It is a high priority, and one of the underlying elements I review before I decide to represent any given insurance provider. It is the company who adds that layer of protection for a customer’s bank and personal information. The following criteria are included as part of my decision-making.

 

Improved Security

The company must provide a process whereby bank account information is entered in a secure data storage repository, and to ensure no client information is ever assessable, it is replaced with a unique identifier that allows no breach or identity loss.

I also look for a system where quote preparation is saved only as long as it takes for me to issue them, and is purged after a 24-hour period of time if the customer does not bind the policy.

Improved accuracy

I also look for a system that increases accuracy with an enhanced data entry validation process. When bank account information is set up correctly, a potential rejected payment issue is eliminated.

The policy reinstatement process and a better explanation of billing and discounts are also high on the list of my provider review and assessment.

If you have any ideas of what additional information I might look for during this assessment, I would like to hear them; I would like to be your voice to the insurance industry.

Jan Vitale

Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years
http://www.lifetimeinvestmentsllc.com/
JanVitale@lifetimeinvestmentsllc.com