Randy Jones Insurance Services

Tips for Students Heading to College

The Fall becomes a busy time for families who have students heading to college! Don’t forget to call us and update garaging addresses when your student heads to college with a family car. Call us to check on qualification guidelines for good student discounts and if your student has personal property with him or her away at school you may want to look into what your particular policy covers for this situation!

Would you be covered if you were presented with a lawsuit because your dog bit and seriously injured a neighborhood child?

Dog bites account for one-third of all homeowners insurance claims, costing $387 million in 2008, up 8.7 percent from 2007, according to the Insurance Information Institute. With more than 50% of bites occurring on the dog owner’s property, the issue is a major source of concern for insurers. The rise in dog bite claims over the course of the past five years can be attributable to the increased medical costs as well as the size of settlements, judgments and jury awards which have risen well above inflation in recent years. If you have not looked into the protection of an umbrella policy and you have pets in your home, you may want to consider the advantages of having this coverage.

Do you have a newborn "bundle of joy" in the household?

Adding a newborn to your existing health policy is an important step for the wellbeing of your new family member. When a child is born, the parent’s health insurance usually covers the newborn for a 30-day period. However, within 30 days of the date of birth, a written request must be submitted to enroll the child onto the parent’s existing policy. If this procedure is not followed, the family runs the risk of the newborn not being eligible for coverage. The carrier will review the child’s medical history to determine eligibility.

Have you recently refinanced your home? Mortgage Life Protection Insurance is a way to protect the family home.

Consider Mortgage Life Protection Insurance to fill the gap that economic times have created. While all other aspects of your financial life may fluctuate, mortgage life protection insurance provides guaranteed stability to protect your loved ones in the event of a premature death. Mortgage Life Insurance can help with house payments, car loans, and credit card debt. Remember, life insurance proceeds pass to heirs, income tax free. Life insurance rates are trending upward due to market conditions. Now is the time to invest in a tailored plan that best fits your needs. Call for a quote!