What Single People Should Know About Life Insurance

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More of us are staying single than ever before. Both marriage rates and childbearing rates are slowing down and happening at later ages, as people realize they have more choices for how they want to live. This is great! And if you’re among today’s strong force of singles, it’s time to consider life insurance. 

Yes, life insurance. There’s a common misconception in society today that if you’re single with no spouse or dependents, you don’t actually need life insurance. While it’s true that many people do enroll in life insurance for the sole purpose of protecting their close loved ones (who depend on them financially) after they’re gone, that is only a small portion of what a good life policy can do. Here’s what all single people should know about life insurance and why it may be a good choice for their lifestyle:

Life Insurance Can Help Cover Your Funeral Expenses

Nobody likes to think about “the end,” but the truth is that we can’t predict the future, and it can happen at any time. When someone passes without a good life insurance policy in place, their loved ones (both family and friends) often end up having to foot the bill. Even small, simple funerals can end up costing a lot, but a life insurance policy can help ease the financial burden either partially or entirely.

Life Insurance Can Pay Your Remaining Debts

Many of us live with at least some kind of debt (student loans, mortgages, car loans, and credit card debt are big ones), and so many people pass while still owing considerable amounts of money. If you don’t want your assets seized after you die, or your assets are not enough to cover the debt you owe, then life insurance can be used to pay off remaining balances. It is especially important to consider life insurance if you are a co-signer on something, as the other person will end up being responsible for everything once you pass.

You Don’t Have to Have a Spouse or Children in Order to Name a Beneficiary

You can name whoever you like as your beneficiary, and many single people choose not just family and/or close friends, but also a charity that is near and dear to them. Life insurance gives you some lasting power after you’re gone. Interested in learning more about your coverage options? Contact our team at TruePoint Insurance in Fisherville, KY today!

Three unique types of coverage you need in a boat insurance policy

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As a boat owner in Fisherville, KY, it’s important that you invest in boat insurance coverage. At TruePoint Insurance, we provide boat insurance policies to consumers.

The following are three unique types of coverage you need in a boat insurance policy.

Liability coverage

Liability coverage is one of the most important types of coverage that you need when you’re boating. Liability coverage will pay for the costs of any expenses resulting from accidents that you are judged at fault for while boating.

Liability coverage can protect you if you face a lawsuit as a result of your boating activities. Liability coverage should include medical payment coverage for bodily injury that results from your boating activities. 

Salvage and wreck coverage

You should definitely make sure that your boat insurance policy includes salvage and wreck coverage. Salvage and wreck coverage pays for the costs of removing your broken down boat from the water.

It can be very expensive to remove boat debris from waterways. However, you are likely to be responsible for paying this expense if your boat is destroyed while you’re out on the water. Adding salvage and wreck coverage to your boat insurance policy can be a lifesaver if your boat is ever involved in a severe accident. 

Property coverage

You’ll definitely want to include property coverage for your own property in the terms of your boat insurance policy. This way, you know that accidental damage to your boat will be covered and you won’t have to pay for it out of pocket. 

Contact us today to learn about our boat insurance coverage options in Fisherville, KY. We provide boat insurance coverage as well as numerous other types of insurance coverage at TruePoint Insurance. 

Do I Need Commercial Insurance for My Home Office?

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Yes. If you own a business, even if it’s run out of your home, you need commercial insurance. If something were to happen to your business in Fisherville, KY, and you’re not adequately insured, you’re putting both your business and personal assets at risk. Also, you don’t want to assume that just because you work out of your home that your home-based business is covered by your home insurance policy. This is simply not true. Many homeowner’s policies severely limit the amount of coverage they provide for business-related equipment and other costs. 

Millions of Americans work out of their homes. So who needs commercial insurance? Anyone who owns a home-based business like photographers, consultants, eCommerce merchants, freelancers, and more. If you work from home and you don’t work for a company, you need commercial insurance.

Commercial insurance covers the cost of any disaster that befalls your at-home office equipment. If your laptop is stolen, you can count on it being replaced. A homeowner’s insurance policy will not likely do the same. Another reason to have commercial insurance as an at-home business is the possibility of litigation. If you see clients in your home, for example, and they’re injured, you are liable. If, as a photographer, you take your clients to a nature spot and they get injured, you could be held liable. There are lots of scenarios like this one to consider. 

Whether your equipment suffers theft or fire, or your face litigation, you need to be covered. Otherwise, you risk losing your business. 

To learn more about purchasing a commercial insurance policy in Fisherville, KY, contact the team at TruePoint Insurance, serving this area. Our reputable agents are standing by to take your call and answer all your questions. 

3 Tips for Understanding Your Auto Insurance

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Auto insurance in Fisherville, KY can be difficult to really understand on a deeper level. Ultimately, you don’t just need to know the general definitions and broad terms of coverage that you have. What you really need is in-depth details about what exactly will happen if something does occur. TruePoint Insurance wants you to know a few things before settling on a carrier for your vehicle. 

Auto Insurance Is About You 

Your auto insurance has everything to do with what you do. Whether you drive all the time or just a couple of times a week, your policy is tailor-made to fit you. This can be difficult to grasp at first, especially when it seems like one quote is the same as the next. 

You Should Look Carefully 

A lot of auto insurance carriers will make decisions that you didn’t necessarily expect, which can make the actual terms of your coverage difficult to process. This is why it’s necessary (if not convenient) to really over the terms of your coverage if you live in Fisherville, KY. 

Your Partner Matters 

Some insurance carriers are responsive in a crisis. They have a team that’s standing by to help you understand where you stand when something happens. But other carriers simply don’t have those resources, or the staff simply isn’t interested. If you truly want to understand your auto insurance policy, you need more than just promises. You need someone who’s going to really explain it to you. 

TruePoint Insurance understands just how overwhelming and frustrating it can be to really look over the details of your policy. We understand why so many people choose based on financial considerations rather than the actual coverage that they need. Gives us a call today to see how we can help. 

What Does Comprehensive Auto Insurance Cover?

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Comprehensive auto insurance is an excellent option for individuals who are purchasing new vehicles, as well as for those who cannot afford to replace their vehicle if it is lost to collision, theft, or natural disaster. Residents of Fisherville, KY and surrounding areas who are interested in learning about their comprehensive insurance options can consult a TruePoint Insurance agent to learn if this coverage is the right option for them. 

Comprehensive auto insurance covers losses aside from simple collisions, typically including theft, fire, natural disaster, civil unrest and rioting, and the vehicle colliding with an animal such as a deer. If you live in an area where you may experience one of these situations, it may be wise to consider adding comprehensive auto insurance to your package. This will help ensure that you’re fully protected if an unfortunate event occurs. 

If you’re purchasing a new vehicle, it’s often common for the lender to require that you carry comprehensive auto insurance due to the value of the vehicle. This helps protect both you and the lender in case of an accident or theft. You may find that you feel more secure, overall, when you carry this type of auto insurance no matter the age of your vehicle. Comprehensive coverage helps ensure that you’re protected no matter what happens, making sure that you can pay to have your car or truck repaired or even replaced as necessary. 

When you’re deciding what type of automobile insurance to carry, there are numerous decisions to be made. Consult a friendly representative at TruePoint Insurance to learn more about the best type of coverage for your specific situation. We proudly serve the Fisherville, KY area and are happy to speak with you about the insurance coverage that’s best for you and your family, depending on the vehicles you have and the situations that you frequently find yourselves in.

Does My Condo Insurance Cover Damages Caused by a Neighbor?

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Condo owners who live in Fisherville, KY may be at a loss of what to do if a neighbor causes damage to their personal property or condo. The agents of TruePoint Insurance can help navigate the process. Owning a condo is similar to owning a traditional home, with one exception. Condos are connected much like apartments. This means the negligence of a neighbor can result in property damage to your condo. 

Registering a Complaint

If your condo or personal possessions are damaged due to a neighbor’s neglect, you will need to file a complaint with the property owner where your condo is located. It will be up to them to determine who caused the damage and who will eventually be held responsible for paying for any repairs that need to be made. Your insurance agent will work with the property owner to determine when repairs can be made.

Covering the Damage

In many cases, your insurance company will pay for the repairs to be made so that your condo can be returned to its original state as soon as possible. Both insurance companies will work together to ensure that the responsible party is held accountable for the damages that were caused. This is also true for accidents involving any type of injury that is caused by a neighbor or the primary property owner.

Fisherville, KY condo owners don’t have to stress over their insurance needs. By calling the agents at TruePoint Insurance, they can get all of their important questions answered. The agents understand the frustration of condo ownership, especially when it comes to certain types of risk. Call today to speak to an agent and get the answers you need. 

When should someone get motor home insurance?

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For those that live in the Fisherville, KY area, owning a motor home can be a great option. When you have a motor home, you are going to have a vehicle that will allow you to drive around and tour the rest of the country. At the same time, it will also give you a place where you can relax and sleep when not on the road. If you are going to get a motor home, it is important that you get the proper insurance. There are several situations when someone should get insurance coverage for their motor home.

When Looking for Proper Coverage

One of the situations when someone shoudl get motor home insurance is when they want proper coverage for their asset. A motor home is a unique asset in that it is a combination of a home and a vehicle. Due to this, you need to have insurance coverage that reflects this. With a motor home insurance policy, you can receive the insurance coverage that you need. 

When Taking out a Loan

You will also need to get motor home insurance if you take out a loan to buy the asset. A motor home can be very expensive to buy and using a loan makes sense for many people. If you do take out a loan, it is important to comply with the lender’s insurance requirements. 

If you are looking to get insurance for your asset in the Fisherville KY area you should reach out to the team at TruePoint Insurance. When you do speak with the team at TruePoint Insurance, you are going to learn a lot more about how you can protect your motor home with an insurance policy. They can then help you get into a proper policy that meets your needs. 

Job Posting

Posted on by Brad Smith
TruePoint Insurance, Insuring Georgia

We are a rapidly growing Independent Insurance Agency currently searching for a CSR for our Pooler GA office.

Title: CUSTOMER SERVICE REPRESENTATIVE

Full-Time, In-Office, Monday-Friday 8:30am to 5:00pm

The right candidate will possess the following:

Great Peoples Skills? Let’s Talk!

Skills/Abilities:

  • Strong listening, oral, and written communication skills
  • Goal oriented, highly motivated, and resourceful to achieve results
  • Ability to pay close attention to detail and accuracy
  • Ability to create and maintain business relationships with prospects and policyholders
  • Proven track record of trustworthiness, dependability, and ethical behavior
  • Fundamental understanding of office technology used by small business

Experience and Education:

  • Customer Service Experience (prior experience preferred)
  • Knowledge of Personal Lines, Life Insurance, and/or Commercial Lines products (preferred)
  • Property and Casualty license a plus
  • High School Diploma or GED
  • Associates or Bachelor’s Degree (preferred)

Job Related Training/Licensing:

Must have the ability to obtain a Property and Casualty license within the first year of hire.

Responsibilities:

  • Provide service to the public and policyholders in a pleasant and courteous manner
  • Be able to communicate clearly and professionally
  • Prepare forms and endorsements when required
  • Perform Billing and Customer Service duties in a timely and efficient manner
  • Meet customer service goals and assist with marketing goals
  • Be able to successfully navigate our Agency Management System and Carrier Websites
  • Perform other related duties as assigned

Pay and Benefits:

Salary will be based on experience, with the ability to advance based on performance and license. There will be an initial 90-day evaluation period to determine compatibility, salary increases, and bonus options.  Interested Candidates should send a resume to New job Candidate Pooler GA.

NO PHONE CALLS, PLEASE!

How Renters Insurance Works to Protect You

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There are many advantages to renting a home in Fisherville, KY as opposed to buying. You have greater freedom to move when you want and less financial responsibility. You also have the benefit of purchasing renters insurance to protect your valuables. Renters coverage is practical, affordable, and flexible, making it a smart investment in protecting your assets. Here’s how a renters policy from TruePoint Insurance can work for you.

Protection for Personal Belongings 

Whether you’re renting a house, apartment or condo, chances are your landlord will have insurance to protect his property. His coverage, however, doesn’t include your belongings. By purchasing a renters policy, you can get the insurance protection you need.

Renters insurance offers various types of protection to protect you from financial loss. Property coverage protects your belongings. If your rental home is broken into and valuables stolen, property coverage helps cover their replacement cost. It also covers your goods if they’re damaged by vandalism, fire, water due to leaky pipes and other disasters.

Protection against Liability Claims

As a renter, you’re responsible for accidents that occur on your rental property. If someone gets injured while visiting your Fisherville, KY home, you could be held liable for his medical costs. Liability insurance covers accidental injuries to protect your personal funds. It also covers accidental damage to visitors’ personal property.

Protection against Loss of Use

If your rental home is damaged by fire, tropical storm, or other disaster and you have to live somewhere else temporarily while the house, condo or apartment is being repaired, loss of use coverage helps cover these extra costs. This includes hotel bills, restaurant bills, transport bills, etc.

These are just a few ways renters insurance in Fisherville, KY can work for you. To purchase a renters policy, call or visit TruePoint Insurance today.

Do I need Commercial Auto Insurance

Posted on by Brad Smith

We all know the difference between a truck and a car. Right? 

Car, truck or other. The Volkswagon Thing test our standards.
The Thing; Car, Truck or ??

For most of my life, that was a straight forward question. Along comes the SUV and, more recently, the crossover, the once black and white responses it a lot grayer.

Here’s the good news. 

Has your insurance agent ever asked if you needed, car or truck insurance? Probably not. 

Since Cars, Trucks, and SUV’s are all insured by the same policy, there is no need to ask. However, You will be asked to provide your vehicles VIN. This will give the insurance company the information they need.

Delivery Trucks are considered commercial vehicles. Some can be difficult to insure.
Delivery Trucks considered Commercial

Who needs a Commercial Insurance Policy?

Business Autos cannot be adequately protected with a Personal Auto Policy. A commercial policy of some form must cover these vehicles.

Who decides whether my vehicle needs commercial auto coverage?  

Theoretically, any vehicle can be used for a business purpose. This requires extra effort from insurance carriers and agents as the work to provide adequate coverage.

I like to tackle that question from the other side. Who decides that a Personal Policy does NOT cover my vehicle?

Accurately communicating how you utilize your vehicle is critical. It allows your agent to confirm or deny that coverage exists for your situation.  

Business Auto Insurance also Covers Personal Use

The Commercial Auto Policy is more flexible than Personal Coverage. While protecting your car at work, it can also safeguard automobiles during personal use. While Personal Auto covers only personal use of your auto.  

If you use your vehicle in your business or profession, you may need Business Auto Insurance. In many cases, the need for Commercial Auto Insurance is obvious. Taxis, Tow Trucks, Delivery Vehicles, Cable Installers, Lawn Care providers are just a few examples.  

What you say may be more important than what you drive. 

How important is it for you to have your Company’s name, a business logo, or your phone number on your vehicle? I want my brand information anywhere and everywhere that I can afford to have it. While that may be great for business, it is also the first place I go to assist individuals regarding the need for commercial insurance. When vehicles have advertisements, there is little doubt. The question of commercial insurance or personal insurance is almost always resolved. If you’re driving a car with a business name or logo on it, you will almost always need a Commercial Auto Policy.

I occasionally drive my personal vehicle in work-related activities for my employer. Do I need Commercial Auto Insurance?

Remember, Business Auto Insurance is more flexible because it covers both commercial and personal use of your auto. Personal Auto Insurance covers your vehicle only when it is being used for personal activities. 

Check with your agent before using your car or truck for any use other than personal.

Performing job-related duties while driving your car does not mean you need to run out and buy a Commercial Auto Policy. Your employer may have a more cost-effective solution. If you are asked to use your personal vehicle for work-related activities, you should first determine if the business has Hired & Non-Owned Auto Coverage in place. This coverage picks up what your personal auto policy coverage excludes. If you would like additional information on Commercial Insurance Policies or want to learn more about Hired & Non-Owned coverage, contact a TruePoint Commercial Specialist at (912) 330-1265.