IQ: SURVEY: Renters Reluctant to Purchase Insurance | PropertyCasualty360

IQ: SURVEY: Renters Reluctant to Purchase Insurance | PropertyCasualty360
When you bundle your Renters Insurance with your auto you can save $$$$$$!

Summer Fun

SUMMER FUN begins early at Mansfield Insurance Agency! Stop in, call, or email us for a quote June 1-30th and be registered to WIN!!!! Prizes: 4 Reds tix, 2 rounds of golf, or a $50 gas card.

Tornadoes...............not done yet!

Did you know that May and June have more tornadoes than April? Be prepared.
Have an emergency plan for all day and make sure evryone in the home knows it.

Uninsured Motorists.....a risk to all

One in Seven Drivers Are Uninsured: Across the United States, chances are roughly one in seven that a driver is uninsured, according to new estimates from the Insurance Research Council (IRC). The estimated percentage of uninsured motorists declined four straight years before rising to 14.3 percent in 2008 and dropping to 13.8 percent in 2009. The economic downturn is thought to be a major factor in the brief increase.

“The leveling trend in the percentage of uninsured motorists is an unfortunate consequence of the economic downturn and illustrates how virtually everyone is affected by recent economic developments,” said Elizabeth Sprinkel, senior vice president of the IRC. “Despite laws in many states requiring drivers to maintain insurance, about one in seven motorists remain uninsured. This forces responsible drivers who carry insurance to bear the burden of paying for injuries caused by drivers who carry no insurance at all.”

Mississippi had the highest rate of uninsured motorists (28 percent), followed by New Mexico (26 percent); Tennessee, Oklahoma and Florida (24 percent each). The five states with the lowest uninsured driver estimates were Massachusetts (4.5 percent), Maine (4.5 percent), New York (5 percent), Pennsylvania (7 percent), and Vermont (7 percent).

Auto Insurance

For auto insurance, Mansfield Insurance Agency is your best source. Even if you drive an ATV, a recreational vehicle, motorcycle, snowmobile, or own a boat or personal watercraft, we can provide the right coverage with the best rates available. We also like to save you money, so be sure to ask about home/auto, multi-policy and multi-car discounts that are available. In addition, we can provide personal umbrella coverage for that extra layer of liability protection that’s needed in today’s litigious society.

Rain Rain Rain....backup of sewer and drain, sump pump failure.

Heavy rains can trigger a backup. A storm sewer or sanitary sewer backs up into your home and usually comes in through a sump well, washtubs in the basement, or toilets in the basement. However, the damage can happen anywhere in the house.  Sump pump failures normally occur from power outages or motor failures.  Sump pumps run on electricity and during a bad storm many times the power goes out.  That’s when you need the sump pump the most, to pump the heavy water from the rain out of the basement.
The damage can be quite costly. Normally damage occurs in the basement, which houses the mechanical systems of the house such as: washer and dryer, furnace, hot water tank and the numerous items people store there. Water or sewage usually destroys anything it comes in contact with. For the thousands of dollars in damage, it would be well worth purchasing the additional coverage with your homeowner's policy to cover such an event.
Did you know a standard homeowner's insurance policy excludes coverage for such an event?
It's true. The backup of sewer and drains as well as the failure of a sump pump is excluded. The damage you sustain from either of these problems will not be covered and you'll be responsible to pay for the loss and the clean up. If you have a finished basement, or use your basement area for storage, you shouldn't go without this coverage endorsement.
This coverage can often be purchased as an endorsement on its own, or with an endorsement that will expand/increase other coverages on the policy.
Of course in areas that are flooding there will be a waiting period before coverage can be purchased!

Tornadoes! The season is upon us. Here are some odd facts about them.

Each year, about a thousand tornadoes touch down in the United States, far more than any other country.

A strong tornado can pick up a house and move it down the block.

Some people have seen inside a tornado with their own eyes lived to tell about it.

Knives and forks have been found embedded in tree trunks flung from a tornado.

Tornado winds are the fastest winds on Earth.

In 1928, a tornado in Kansas plucked the feathers right off some chickens.

In 1931 a tornado in Mississippi lifted an 83 ton train and tossed it 80 feet from the track.