insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance. The following is a list of common auto insurance terms to keep in mind when talking with your insurance broker: Accident report form: Sometimes referred to as a[…]
Common Auto Insurance Terms
By John Scott Insurance Personal Apr 11, 2019
25 Most Commonly Stolen Passwords
By John Scott Insurance Tech Apr 04, 2019
How clever is your password? If it’s on the list below, your password is just as easily stolen as it is remembered. Protect yourself by making sure you’re not using one of the top 25 most commonly stolen passwords of 2017, as determined by IT security firm SplashData. To create a more secure password, make[…]
What To Do If Your Car Is Stolen
By John Scott Insurance Personal Mar 28, 2019
Because of their value, vehicles are popular targets for criminals. In fact, on lists of global vehicle theft statistics, you’ll find that the United States consistently ranks near the top. In the event that your vehicle is stolen, you will need to react quickly in order to have a smooth insurance claim process and recover[…]
Tips for Filing an Insurance Claim
By John Scott Insurance Personal Mar 21, 2019
Accidents and natural disasters can strike without warning, causing costly damage to your home, vehicles and personal belongings. When this happens, you will have to file an insurance claim in order for your policy to kick in and recoup your losses. In order to get the most out of the claims process, consider the following[…]
Managing Credit Card Debt
By John Scott Insurance Personal Mar 14, 2019
Credit cards can be incredibly helpful, particularly when you need to make a large purchase. However, if you don’t keep up with your payments, credit card debt can compound and create a serious source of stress. You need to be able to manage your credit card debt. To get the most out of your credit[…]
Good Posture for Spine Health
By John Scott Insurance Lifestyle Mar 07, 2019
Maintaining good posture is a simple yet effective way to keep your back and spine in good working order. Good posture and back support are essential in reducing back and neck pain. Even sitting at a desk all day can wreak havoc on the back and neck, resulting in pain. Good posture involved training the[…]
Defensive Driving Techniques
By John Scott Insurance Auto Insurance, Car Insurance Feb 28, 2019
ys to stay safe while you’re on the road is through defensive driving. The goal is to prevent accidents in spite of others actions or the presence of adverse driving conditions. To avoid accidents through the use of defensive driving, do the following: Remain on the lookout for hazards—Think about what may happen as far[…]
Are You Getting the Nutrition You Need?
By John Scott Insurance Life Insurance, Lifestyle, Personal Feb 21, 2019
The US Department of Agriculture (USDA) created MyPlate, which is a symbol to help with healthy food choices. Here are suggestions for fulfilling the food groups represented on the nutrition plate. Fruits—Any fruit or 100 percent fruit juice counts for this group. Vegetables—Any vegetable or 100 percent vegetable juice counts for this group. Grains—Examples of[…]
Child Safety Seats – Tips That Can Save Lives
By John Scott Insurance Personal Feb 14, 2019
The safety of children in our lives is super important to all of us. We drive just about everywhere in this day and age so safety in the car is of top importance in our lives. Child safety seats, when installed and used correctly, can prevent injuries and save lives. Young children who are properly[…]
Preventing Frozen Pipes
By John Scott Insurance Personal Feb 07, 2019
One of the messiest and most costly homeowner repairs is fixing a burst, frozen pipe. Water from a burst pipe can cause damage to carpeting, short out electrical appliances and ruin furniture. Luckily, there are several ways to protect your home and prevent frozen pipes. Keep the heat in your house at a minimum of[…]
Roadside Emergency Kit
By John Scott Insurance Auto Insurance, Car Insurance, Lifestyle Jan 31, 2019
Whether you are taking a casual drive or embarking on a long road trip, you never know when an emergency will arise. As such, it’s important to have a roadside emergency kit packed in your vehicle. Consider including the following 16 items in your kit: First Aid kit Crucial Medications Water and Nonperishable food items[…]
3 Snow Melt Protection Tips
By John Scott Insurance Homeowners Insurance, Lifestyle Jan 17, 2019
Accumulating water from melting snow and ice leaves your home susceptible to damage. Below are three action steps you can take to protect your home ahead of time to minimize your risk. 1). Clear Snow From Your Homes Foundation. Shovel snow away from your home, including stairwells, window wells, downspouts and doors to help prevent[…]
Life Events Can Impact Your Insurance Needs
By John Scott Insurance Life Insurance Jan 10, 2019
As we age and reach different milestones in our lives, our insurance needs change. In order to ensure adequate coverage, contact John Scott Insurance Agency. Are you affected by one of the following life events? New Home Ownership – purchasing a new home is a big investment – one that you will want to protect.[…]
Store Your Vehicles Correctly
By John Scott Insurance Lifestyle Jan 03, 2019
When winter comes and brings the snow and cold with it, how you store your vehicles is important to avoid damage from the harsh weather and roads and to ensure it’s in good working condition for spring. Here are tips on the best way to prepare your vehicle for storage. Clean your car – thoroughly[…]
Can You Carry More than One Life Insurance Policy at the Same Time?
By John Scott Insurance Archive, Personal Dec 27, 2018
Can a single person have multiple life insurance policies? If you do not have experience with life insurance policies, you are bound to have several questions. For instance, many people raise the question, “Can I carry more than one life insurance policy?” These people are surprised to learn that yes, it is possible to have multiple[…]
Is It a Good Idea to File a Home Insurance Claim?
By John Scott Insurance Archive, Personal Dec 20, 2018
As a responsible homeowner who is carrying the right homeowners insurance, you may not think twice about filing a homeowners insurance claim whenever an issue arises. However, there are some cases in which it does not pay to file a claim. Here’s what you need to know about the effects of filing a home insurance[…]
Steps to Take After a Home Break-In
By John Scott Insurance Archive, Lifestyle, Personal Dec 14, 2018
Dealing with a home break-in is every homeowners worst nightmare. Not only does a home burglary result in physical losses, but it can also result in a lost sense of security and emotional trauma. Oftentimes, victims of home invasions are so overwhelmed that they don’t know how to react. Here are the steps you should[…]
Learning the Difference Between Liability Insurance and Full Coverage
By John Scott Insurance Archive, Personal Dec 06, 2018
Shopping around for auto insurance can get confusing. Determining the right coverage can be difficult with all the industry jargon. One of the first decisions you will have to make is whether to go with liability insurance or full coverage. Here’s what differentiates liability insurance from full coverage. Liability Insurance Liability insurance offers coverage for[…]
3 Reasons to Secure Business Insurance from an Independent Agency
By John Scott Insurance Archive, Business Nov 29, 2018
As a business owner, you know how important it is to secure business insurance to protect your company against risks. Here are three reasons to secure business insurance through an independent insurance agency. 1) Increased Selection Independent agencies are not limited to a single company’s insurance options. Independent agencies actually represent several insurance carries. They can[…]
Considerations to Make When Choosing a Life Insurance Beneficiary
By John Scott Insurance Archive, Personal Nov 20, 2018
When you secure life insurance coverage, part of the process is deciding who will receive a payout in the event of your death. While this might seem like an easy decision, there are some things you need to consider before making your choice. Here are some of the things that you need to take into[…]
Why Should I Invest in Cyber Liability Insurance?
By John Scott Insurance Archive, Business Nov 15, 2018
Today, businesses are more connected than ever before. That is why cyber liability insurance is so important. While these connnections open brand new doors and possibilities, they also open your business up to considerable online risk. With data breach and cyber attack more common than ever, criminal can easily take advantage of cyber security weaknesses.[…]
Avoid These 3 Things After Being Involved in a Car Accident
By John Scott Insurance Archive, Personal Nov 08, 2018
Getting into a car accident is jarring, and your judgment may be compromised. This is why it’s so important to calm yourself down and remember that there are certain protocols you should follow. No matter how the other involved parties pressure you, here are some of the things you should avoid doing after an auto[…]
New Teen Driver? Here are 4 Ways to Save on Their Insurance
By John Scott Insurance Archive, Personal Oct 25, 2018
Now that you have a teen driver, it’s important that they have the right auto insurance to keep them safe on the road. For most parents, this means adding their teen to their family’s car insurance policy. If your teen has their own car, you will have to add their vehicle to your policy as[…]
Is Life Insurance Through Your Job Enough?
By John Scott Insurance Archive, Business, Personal Oct 18, 2018
Many employers offer their workers life insurance coverage as part of their employee benefits package. However, is buying this coverage actually worth it for you? Here are some of the advantages and disadvantages of employer-offered life insurance to consider. Pros Main advantages of purchasing life insurance coverage from your employer are convenience, price, and acceptance.[…]
What Perils Does My Homeowners Insurance Protect Against?
By John Scott Insurance Archive, Personal Oct 11, 2018
When you secure homeowners insurance, you will have several coverage options to choose from. One of the decisions that you will have to make involves the type of peril coverage you secure. What exactly are ‘perils’ and what can your policy do to protect against them? What is a Peril? A peril is anything that[…]
3 Ways that Your Personal Liability Insurance Has You Covered
By John Scott Insurance Archive, Personal Oct 04, 2018
When you get homeowners insurance, your policy will offer you and the members of your household personal liability coverage. Here are three ways that your personal liability insurance will protect you. Asset Protection Your personal liability coverage is for both current and future assets. For instance, if you accidentally cause injury or damages to another[…]
Should You Get Life Insurance for Your Children?
By John Scott Insurance Archive, Personal Sep 27, 2018
Do you need a children’s life insurance policy? Most financial advisors prioritize having an emergency fund and saving for your child’s education over a children’s life insurance policy. Here are some of the things you should consider before choosing to invest in children’s life insurance. It Pays for Funeral Costs If your child were to die unexpectedly,[…]
What is High Value Home Insurance?
By John Scott Insurance Archive, Personal Sep 20, 2018
As a homeowner, you know how important it is to have comprehensive homeowners insurance protections in place but what about high value home insurance. If the value of your home exceeds a certain amount, relying on a standard home insurance policy could leave you with gaps in your coverage. This is where high-value home insurance[…]
Learn About the Different Life Insurance Options You Have
By John Scott Insurance Archive, Personal Sep 13, 2018
If you are looking to secure the right life insurance to fit your needs and lifestyle, you actually have several options that you can choose from. Here are the different life insurance options you should consider. Term Life Insurance Term life insurance is the most affordable option because these policies offer coverage for a set[…]
The Dangers of Distracted Driving for Teens
By John Scott Insurance Archive, Lifestyle, Personal Sep 06, 2018
Distracted driving is when a driver engages in an activity unrelated to the actual operation of their vehicle. While distracted driving is a problem for all drivers, studies have shown that teens are particularly susceptible to becoming distracted while they are behind the wheel. With around 60% of teen accidents caused by distracted driving, it’s[…]
Is Insurance More Expensive When Leasing a Vehicle?
By John Scott Insurance Archive, Personal Aug 30, 2018
In America, leasing vehicles is more popular than ever. If you are considering leasing a vehicle you might be curious about how it will affect your auto insurance rates. In general, drivers leasing a vehicle pay more for their insurance than drivers who own their vehicle. Here’s what you need to know about insuring a[…]
Tips to Protect Yourself from a Natural Disaster
By John Scott Insurance Archive, Personal Aug 23, 2018
When a natural disaster hits, there are many things outside your control. However, there are some things you can do to prepare yourself and ensure that your loved ones stay safe. Here are some of the precautionary steps to protect yourself when disaster strikes. Understand the Risks that You Face Certain areas are prone to[…]
Decoding Confusing Car Insurance Terms
By John Scott Insurance Archive, Personal Aug 16, 2018
As a car owner, it is your responsibility to secure the proper auto insurance coverage to fit your needs. However, this is difficult to do when you do not have a clear understanding of the various types of insurance coverage available to you. Many drivers have trouble figuring out exactly what certain types of insurance[…]
Factors that Increase Life Insurance Costs
By John Scott Insurance Archive, Personal Aug 09, 2018
While people recognize the importance of having life insurance in place, many forgo it thinking they cannot afford it. In actuality, most term life insurance policies are actually quite affordable. However, there are some personal factors that could drive up your life insurance costs. Here are some of the things that influence your insurance rates. Tobacco[…]
Here’s What You Need to Understand About Comprehensive Car Insurance
By John Scott Insurance Archive, Personal Jul 26, 2018
When it comes to auto insurance, there are a lot of coverage options out there. With all this variety, it can be difficult to understand what the different options actually cover. One of the coverage options you might be confused about is comprehensive insurance. Here’s what you need to know about comprehensive insurance. What is it? Your[…]
Keep Your Backyard Pool Safe This Summer
By John Scott Insurance Archive, Lifestyle Jul 19, 2018
When the heat of summer sets in, there’s nothing better than taking a refreshing dip in the pool. While playing in the pool is fun for the whole family, it’s important to remember it also holds certain risks. If you want to protect your loved ones this summer, make sure you keep these pool safety[…]
Is Wear and Tear Covered by Auto Insurance?
By John Scott Insurance Archive, Personal Jul 12, 2018
Generally, your auto insurance will not cover maintenance for wear and tear or mechanical breakdowns. This is because these costs are expected and simply part of your responsibility as a car owner. While your insurance will not cover maintenance issues, car insurance will cover other damages to your car. How to differentiate between regular wear[…]
Prepare Your Business for These Summer Risks
By John Scott Insurance Archive, Business Jul 05, 2018
While summer introduces a wide variety of new business opportunities, it also introduces new risks for your business. Having the right business insurance protection is a great way to manage your risk, but doesn’t mean stop being vigilant. Here are some of the business risks that you should watch out for this summer. Heat-Related Illnesses[…]
Try Out This Light Summer Recipe
By John Scott Insurance Archive, Lifestyle Jun 28, 2018
Now that the hot summer months are here, no one wants to slave away in a hot kitchen or eat rich, heavy foods. Luckily, there are many easy and refreshing dishes that are perfect for these sweltering days. Try whipping up this light summer recipe for a delicious way to beat the heat. Southwest Quinoa[…]
Tips for Protecting Your Business Against Vandalism
By John Scott Insurance Archive, Business Jun 21, 2018
Unfortunately, almost every business faces the risk of vandalism. Luckily, there are things you can do to protect your business against losses associated with an act of vandalism. While having the right business insurance is one of the most important safeguards to have in place, here are some of the other precautions you should take[…]
Get Into Shape This Summer
By John Scott Insurance Archive, Lifestyle Jun 14, 2018
Try out these tips to get into shape this summer. During the hot summer months, it can be difficult to motivate yourself to exercise. However, staying active is an incredibly important part of caring for your health. Want to get in shape this summer? Then try out some of these suggestions to help you stay[…]
How Insurance Companies Determine Your Term Life Insurance Rate
By John Scott Insurance Archive, Personal Jun 07, 2018
Having the right life insurance is an essential component of a solid personal finance plan. However, with all the different policy options out there, it can be difficult to find the right coverage to meet your needs. Understanding some of the mysteries behind life insurance is one way to help you narrow down your options[…]
Affordable Ways to Improve Your Home’s Safety
By John Scott Insurance Archive, Personal May 31, 2018
As a homeowner, you want to ensure that your home is safe for your loved ones. Having the right homeowners insurance in Buchanan, Michigan can help you safeguard your home and everyone in it. In addition, there are other things you can do to improve your home’s safety and prevent accidents. Here are some of[…]
Protecting Your Personal Belongings with a Home Inventory
By John Scott Insurance Archive, Personal May 24, 2018
While you might have safety procedures, first aid kits, and even evacuation plans in place, do you have all the information necessary to file a home insurance claim after the disaster has passed? One of the things you will need to know is the value of your personal belongings—everything from your electronics down to your[…]
Why Singles Need Life Insurance
By John Scott Insurance Archive, Personal May 17, 2018
Many people believe that life insurance is only for married people with children. This thinking means they are overlooking all the benefits that come from having a policy. While it is true not all single people need life insurance, there are many reasons having this coverage makes sense. Here are some of the benefits of[…]
Enjoy This Delicious Spring Picnic Recipe
By John Scott Insurance Archive, Lifestyle May 10, 2018
Whip up this delicious picnic recipe this spring. Now that warm weather is here to stay, it’s the perfect time to enjoy sunny picnics in the park. Hosting or attending a picnic in the near future? Then this avocado-pesto pasta is the perfect way to inject some fresh spring flavor into your event. Trust us;[…]
Fun Mother’s Day Ideas
By John Scott Insurance Archive, Lifestyle May 03, 2018
Try out these celebration suggestions for Mother’s Day. Mother’s Day is right around the corner! If you haven’t already started to make plans, time is of the essence. Want a fun way to show your mother that you care, but not sure where to start? Then consider some of these celebration suggestions for Mother’s Day.[…]
Relax, It’s National Stress Awareness Month
By John Scott Insurance Archive, Lifestyle Apr 26, 2018
Learn how you can keep your stress under control this month. April is National Stress Awareness Month, a campaign that looks to spread awareness of the damaging effects of the modern stress epidemic. In honor of this month, you should make a serious effort to keep your stress under control. Try out these suggestions to[…]
Spring Break Safety Tips
By John Scott Insurance Archive, Lifestyle, Personal Apr 19, 2018
Stay safe this spring break. Spring is in full swing and, for many students, this means that spring break is right around the corner. If you (or your child) are planning on taking a trip this spring break, it’s important that you do not forget about safety. Here are some precautions to help you stay[…]
How Does Marriage Affect My Car Insurance?
By John Scott Insurance Archive, Personal Apr 12, 2018
After you get married, there are a lot of new decisions that you will have to make as a couple. One of the main decisions you will have to make is whether to get a joint auto insurance policy with your spouse. Not sure how you should make this decision? Here’s what you need to[…]
Tips for Getting the Beast Deal on Your Life Insurance
By John Scott Insurance Archive, Personal Apr 05, 2018
While most Americans recognize that life insurance is an essential coverage, they put off getting life insurance for a variety of reasons. Perhaps one of the biggest excuses is the belief that life insurance is too expensive. In reality, there’s no reason why your life insurance coverage should break the bank. Try out these suggestions[…]
How You Can Actually Lose Your Insurance Coverage
By John Scott Insurance Archive, Personal Mar 29, 2018
While most homeowners understand that their policy will not cover every claim, did you know what there are some things that you can do to actually lose your insurance coverage? These actions are due to a violation of terms and conditions listed in your policy. Here are some of the violations that will cause the[…]
Perils Your Home Insurance Probably Doesn’t Cover
By John Scott Insurance Archive, Personal Mar 22, 2018
Your home insurance is a complex beast, and it’s not uncommon for homeowners to misunderstand the coverage offered in their policy. However, it’s important to understand the limitations of your policy. There are perils your home insurance probably doesn’t cover that you should know about.You never want to assume that you have coverage when you[…]