Harvey Sarles Insurance Agency

How Does Speeding Affect Car Insurance?

Fri, 24 Mar 2023 21:43:00 GMT

How Does Speeding Affect Car Insurance?

Speeding tickets are one of the most common types of traffic violations. Whether or not your premiums go up after getting a speeding ticket depends on the company, your driving record and the violation. Regardless, having a good driving record is a great way to keep your car insurance costs down.

High Speeds Increase Risk Of Accidents

Speed is a contributing factor to most car crashes, and drivers who are frequently involved in accidents can find themselves paying higher insurance premiums. It’s because insurers don’t like risk and view these drivers as higher-risk prospects. After all, high speeds can make accidents more deadly for everyone involved, including other motorists and pedestrians. It’s also a major cause of damage to vehicles and property. In addition, speeding greatly reduces a driver’s reaction time and can lead to more severe injuries and collisions. This is why it’s essential to drive safely and obey the speed limit .

Speeding Tickets Increase Insurance Premiums

One speeding ticket doesn’t seem like much, but if you rack up a bunch of tickets in a short period of time, your insurance rates will go up significantly. The rate increase will depend on several factors, including your age, vehicle type, and how many other traffic violations you have. Having more than a single speeding ticket within a three-year period can lead to an even higher rate increase. This is especially true for people who have a good driving record. The good news is that most speeding tickets are minor offenses, and they typically drop off of your driving record after a few years. However, some states tie certain types of violations to points on your license, which can have a larger impact on your insurance premiums .

You Could Even Lose Your License

Speeding tickets are a common problem for many drivers. They are a hassle to deal with, they can raise your insurance rates, and they can even result in a suspension of your license if you fail to pay the fine or appear in court. In New York for example, a driver can lose his or her license after three speeding convictions within an 18-month period. If a driver receives two work zone speeding tickets in a given 18-month period, his or her license will be suspended for 60 days. The number of points a driver accumulates from traffic violations is also a factor. For example, a speeding ticket for driving 10 miles per hour or more over the speed limit will result in three points. However, a ticket for speeding 31 or more miles per hour over the limit will result in 11 points. The good news in all this is that most states give you a chance to get your license back. It takes a little extra work and money to restore your driving privileges, but it is possible! Harvey Sarles Insurance Agency can help, so contact us now!

Top Reasons Why People Buy Life Insurance

Fri, 24 Mar 2023 21:41:00 GMT

Top Reasons Why People Buy Life Insurance

Most consumers want to ensure their family members are taken care of financially when they die. And life insurance is one way to help them do that.

Final Expenses

Many people buy life insurance because they want to help their family members pay final expenses after their death. This can include funeral expenses, cremation costs, nursing home bills, an obituary, flowers and more. Having a policy that pays out a death benefit is also helpful for paying off debts, like credit card debt or mortgages. These policies build cash value over time, so they can be used as collateral for loans or to invest. These small, inexpensive policies are often sold to seniors, but can be purchased by anyone. They can be issued instantly if you meet certain age and health requirements, or you can apply online without an exam.

Inheritance Taxes

Inheritance taxes are state taxes that beneficiaries of an estate must pay after receiving a portion of the deceased’s assets. The federal government does not have an inheritance tax, but six states – Iowa, Kentucky, Maryland, Nebraska, New Jersey and Pennsylvania – do. The amount a beneficiary must pay depends on the relationship to the deceased and in which state the person died in. Spouses and children or other dependents often receive an exemption, partial exemption or pay the lowest rates. The inheritance tax rates can change each year, so be sure to check with your state’s tax agency and contact us to learn more!

Financial Security

There are many reasons why people buy life insurance, but at its core it’s all about providing financial security for your loved ones. Whether you’re an engaged couple who owns property together, or a parent with minor children, life insurance is the best way to ensure that your family can stay financially secure in case of death. Buying insurance is an important decision, and one that should be made with the help of a professional. A financial professional can help you determine how much coverage you need, explain the different types of life insurance policies available, and present potential options that may fit your needs. And as with any other aspect of your finances, it’s important to regularly review your life insurance policy to ensure that it’s helping you meet your goals. That’s why scheduling a review at least once a year is a good idea. This also gives you an opportunity to discuss new insurance opportunities and any changes in your health status that might affect your rates or the amount of coverage you need. Get in touch with Harvey Sarles Insurance Agency to learn more!

RV Travel Safety Tips

Tue, 21 Feb 2023 15:46:00 GMT

With RV travel season in full swing, it’s important to be aware of some key safety tips. Danger never takes a vacation, so stay safe while on the road and enjoy your family’s trip courtesy of Harvey Sarles Insurance Agency .

1. Wear Your Seatbelts

The National Highway Traffic Safety Administration (NHTSA) has a great list of states that have varying seat belt laws for adults and children. In addition to this, each state has its own car seat law. It’s important to check these laws before you travel with kids in your RV.

2. Know The Height Of Your RV

The height of your RV is a crucial part of keeping you and your family safe during an RV road trip. You’ll want to know the maximum height clearance for your specific RV, as well as any aftermarket additions that increase the height of your rig. Depending on your state, the maximum RV height can range from 13 feet 6 inches to 14 feet. Alaska has a cap at 15 feet, so be sure to check local and state regulations.

3. Make Sure Your RV Is In Good Working Order

Your RV is a big piece of your family’s life, so you want to make sure it stays in good working order. Whether you’re traveling full-time or just taking it on weekend trips, keeping your RV in tip-top shape will ensure that you and your family have a safe and memorable time. If you don’t have an RV maintenance schedule, it’s not a bad idea to get one and follow it. The right RV maintenance routine will keep your RV running well and help you to spot issues before they become too big.

4. Carry The Right Luggage

The right luggage can mean the difference between a dreadful experience and a dream trip. Oversized bags and expensive bag fees are a pain, and even a simple misplacement can lead to a frustrating travel day. For most road trips, a carry-on is the best option. However, if you are going on a longer journey or will be staying in an RV for a while, consider investing in a duffel or soft bag that you can wheel through airports. Additionally, you should also bring some small medical essentials with you. These include a first-aid kit, pepper spray, and bear spray (if you’re camping in the wild).

5. Have RV Insurance

RVs are great ways to travel and explore, but they can also be dangerous if you don’t have the right RV insurance . Many people assume they can just add their RV to their auto insurance policy, but this can be a mistake because it doesn’t address some of the risks that come with owning an RV. For example, if you keep your RV parked in a garage or shed while you’re not using it, an insurer will need to know where that’s located. And, if you travel full time in your RV, they’ll want to know where it stays when you’re not using it, such as a campground or a rented lot. Contact us today!

How To Keep Your Family Safe From Carbon Monoxide Poisoning

Fri, 17 Feb 2023 22:25:00 GMT

If you’re a homeowner, it’s important to understand how to keep your family safe from carbon monoxide poisoning. After all, it’s a dangerous gas that can incapacitate people within minutes at high levels.

Get Carbon Monoxide Detectors!

One of the best ways to keep your family safe from carbon monoxide poisoning is by installing a CO detector. This gas is extremely dangerous for anyone who breathes it, as it prevents the body from getting the oxygen it needs to function properly. The CDC says infants, the elderly, and those with heart conditions, lung problems or cancer are at greater risk for illness or death from CO poisoning. Homeowners should install at least one carbon monoxide detector in each hallway near all bedrooms. They should also check the batteries of these alarms every spring and fall.

Know Your Appliances

It would be great if your appliances never broke or malfunctioned, but life isn’t perfect. That’s why it is important to know your appliances and how they work, so you can avoid any unnecessary risks. When fuel-burning equipment (furnaces, gas water heaters, generators, fireplaces) or other sources of carbon monoxide aren’t working properly, they can emit toxic fumes that can make people sick and even cause death. To help prevent this from happening, be sure to have all your furnaces, water heaters, and any other appliances that burn fuel inspected by a professional every year.

Test Your Alarms Regularly

If you want to keep your family safe from carbon monoxide poisoning it is important to test your alarms regularly. This not only protects your family but it also fulfils legal and insurance requirements. Testing your smoke and carbon monoxide detectors is easy, just follow the manufacturer’s instructions. You can either spray the device with a specially formulated aerosol spray designed to test detectors or light several matches underneath the sensor. Just make sure to alert your family that you are about to do a test and that they are prepared for the noise.

Get A Professional Inspection

Getting a professional inspection is an important step to ensure your family’s safety. The inspector will examine the home and its various systems. This includes heating, cooling, plumbing and electrical aspects. They will also check appliances and vents. Then, they’ll take note of any problems they find and document them in a written report that you can later reference. And if you were looking to move, regardless of whether you’re looking for a new home or a pre-owned property, it’s always a good idea to get a professional inspection. This way, you’ll have peace of mind that your house is in good condition.

Key Things to Know About Property Taxes

Sun, 15 Jan 2023 00:00:00 GMT

You will need to familiarize yourself with property taxes and how they work if you own a home. Here is some helpful information about such taxes so you will be well-educated.

A Tax Assessor Calculates Your Property Taxes

If you were wondering who the person is who calculates property taxes, the answer is the tax assessor. This person calculates how much taxes you will need to pay for your home and then constructs the bill for you.

You Can Receive a Penalty for Ignoring These Taxes

You also need to understand that your property taxes are vital. Therefore, you must ensure that you pay them on time and submit the required amount. You may end up paying penalties if you don’t handle yourself properly and in that manner. The interest rates can be overwhelming, so your best bet is to make your tax payment as quickly as possible.

You Can Get a Break on Your Taxes

Another critical thing to know about property taxes is that they can give you a tax break. A space on your income tax form allows you to enter how much you had to pay in property taxes. You can then receive a deduction on those taxes based on the amount you had to pay.

You Can Use a Credit Card on Your Taxes

You can use a wide variety of methods to pay property taxes on your home. The municipality will even take a credit card payment if you need to pay your taxes that way. Not all entities take credit cards because of how simple it is for some people to file a fraud protection claim. However, you can typically use such a card to pay the property taxes on your home if you want to. Credit card payments usually take a few days to clear, but they will post to your account after they do. For example, you may be able to get an exemption.

You May Be Eligible for an Exemption

It’s possible that you could be eligible for an exemption on your taxes. That’s another positive aspect to know about property taxes. Military veterans may be exempt from paying those taxes, for example. If you’d like to know if you are eligible for an exemption, you’ll just need to reach out to your jurisdiction and ask if you are. They will let you know if you can receive any deductions, and then you can take advantage of such deductions right away. Now you might want to know, "Do property taxes affect homeowners insurance?" The taxes will not affect your homeowner’s insurance unless you want to pay them monthly along with your insurance payments.

Now you know all about property taxes and what they will mean for you as a homeowner. You can reach out to Harvey Sarles Insurance Agency if you need to obtain a new homeowner’s policy for your home. They have been in business offering reliable insurance policies to people for more than 40 years. You can schedule an enlightening consultation about insurance premium costs if you call or message them today.

Fireplace Safety Tips

Sun, 01 Jan 2023 00:00:00 GMT

A fireplace is a lovely and convenient addition to any home, and you are fortunate to have one. However, you must always stay aware of the most essential fireplace safety tips for homeowners. Here is a list of some smart practices you can use to ensure that you and your family remain safe when using the fireplace:

Maintain Good Ventilation

Ensuring that you have the proper amount of ventilation is an absolute must. Thus, you’ll need to keep a window cracked to allow fresh air to enter the area. You should also take advantage of any carbon monoxide detectors you might have.

Keep Flammable Items out of the Dangerous Zone

Keeping flammables out of the line of fire is another one of the most effective fire safety tips. Items such as paper towels, cardboard, magazines, and newspapers should be kept away from the flames to prevent an uncontrollable igniting incident. You can ensure that doesn’t happen by checking around to ensure that nothing is close to the area. A quick visual inspection should suffice.

Use the Right Cords

If you are using an electric system, you’ll need to ensure that you use the proper cords that belong with your unit. Make sure you take the time to read the specifications and connect the appropriate wattage rating. You’ll also need to ensure that cords are the right gauge for your system. Some fireplaces require thicker gauges than others. Furthermore, ensure that you inspect the sockets to check for issues before connecting any cords.

Make Sure Your Wood Is Dry and Seasoned

You might be tempted to use any wood that’s available. However, it’s vital that the wood you use is not just dry but also seasoned. You can tell that it’s seasoned by its dark appearance, cracked texture, and hollow end. If all these things are going on at the same time, you know you have the right type of wood. Using dry wood will ensure you can maintain the long-lasting flame you desire.

Avoid Using Gas To Start Your Fire

Do not use gas to start your fire. Gas can cause an uncontrollable flame that can cause issues in a very brief amount of time. Instead, you can use something safer. Examples of safe items to start your fire include newspaper and organic fire starters. You should avoid using anything like kerosene, gasoline, and charcoal starters.

Install Protective Glass Doors

Add some glass doors to your fireplace to keep the loose embers in check. That way, they won’t break free and set something ablaze that you might have near the fireplace. They are inexpensive additions that can reduce the likelihood of a fire greatly.

You should now have a good idea of what to do to maintain a high level of safety when you use your fireplace. Follow those tips exactly, and you should get along just fine with few to no accidents. It’s also wise to have a homeowner’s policy in case something unfortunate ever happens. You can contact Harvey Sarles Insurance Agency to discuss available options for your home.

What is a Medical Payments Coverage Policy?

Thu, 15 Dec 2022 00:00:00 GMT

As if putting your life and limb at risk isn’t enough, a car accident can also cause big financial problems with property damage and medical expenses. That’s why motorists are advised to have medical payments coverage policies on their insurance.

What is Medical Payments Coverage?

Medical payments coverage takes care of any expense that might arise from a car accident. Especially with injuries, getting the medical assistance you need at the soonest possible instance is essential.

This coverage typically includes payments for the following costs:

Depending on your chosen policy, it may also include:

Do take note that this policy specifically addresses financial costs related to medical expenses. Anything outside of this will not be included, such as wages lost because of the accident. Any treatment injury unrelated to the accident, or replacement services like childcare, etc., won’t be counted as well.

Who is Included in the Coverage?

Another huge advantage of having medical payments coverage is that it can apply to all the individuals in your car at the time of the accident. They don’t have to be explicitly listed as a beneficiary in the policy to avail these benefits.

As long as they were with you in the car at the time of the accident, and suffered injuries because of it, they can get help for their medical expenses.

Do You Need Medical Payments Coverage if You Already Have Liability Coverage?

Auto liability coverage is mandated by law, whereas medical payments coverage isn’t. If you cause an accident, your auto liability coverage can help lessen the cost of what you need to pay for the other party’s medical bills. In turn, their liability coverage will take care of your medical expenses.

However, if you cause an accident and don’t have medical payments coverage, you’ll have to pay out of your pocket for your treatment. The same goes for all your passengers at the time of an accident.

How Does It Work?

Every medical payments coverage has limitations. You can choose the maximum amount your insurance company can shoulder when you get your policy.

If the cost of your medical bills exceeds your coverage, you’ll need to shoulder any amount that exceeds your policy. And while there’s no telling if and when you’ll get into an accident, having this coverage plan in place already provides some relief in getting you the medical help you need.

Get medical payments coverage in your auto insurance policy. Talk to professional agencies like Harvey Sarles Insurance Agency to get you started. With their 30 years of experience, you can look forward to efficient and reliable service.

What Is a Comprehensive Coverage Policy?

Thu, 01 Dec 2022 00:00:00 GMT

What is a comprehensive coverage policy? Comprehensive coverage is just one of the many different types of protection you can obtain on your insurance policy. It will cover repair expenses if your vehicle is damaged as a result of an accident. Comprehensive coverage covers damage to your vehicle resulting from hail, vandalism, theft, etc.

The Importance of Comprehensive Coverage

Comprehensive coverage insurance is important for many reasons. There are many reasons you should consider purchasing this particular coverage. First, it can be used no matter who causes an accident. It also helps to cover your repair expenses over your deductible. This means you will not be responsible for coming up with the entire bill amount on your own. Comprehensive coverage is also important to have because, believe it or not, many lien holders will require you to have it.

What Does Comprehensive Coverage Cover?

Comprehensive coverage will cover any damage to your vehicle that was not the result of a collision with another vehicle. Comprehensive coverage is also known as “other than collision” coverage. This simply means that comprehensive coverage will cover you in the event your vehicle is damaged as a result of:

How Is Comprehensive Coverage Different Than Collision?

Both comprehensive and collision coverage can be used to cover damage caused to your vehicle due to an accident. Both coverage options include a deductible, but you will still be liable for covering any expenses before the policy starts. These coverage options also have differences among them. Here are a few examples of when comprehensive coverage applies:

Here are some examples of when collision coverage applies:

How Does a Comprehensive Deductible Work?

The amount that you agreed to pay prior to the insurance company paying for any damages is known as your comprehensive deductible. This is pretty much the same as the amount of financial risk you are willing to deal with if you are involved in an accident. The higher the deductible is, the lower your insurance premiums will be. The lower your deductible, the higher you will pay for your insurance premiums. For instance, if your vehicle sustains $1,000 in damage from a hailstorm and your deductible is $100, you will be responsible for paying the $100, and your insurance company will cover the difference.

If you are in the market for comprehensive insurance, contact the agents at Harvey Sarles. They have over 30 years of experience and are ready to help you with any of your auto-insurance-related needs!

Life Insurance: An Overview

Wed, 23 Nov 2022 00:00:00 GMT

Life insurance is an insurance policy that pays out to a policyholder’s named beneficiaries when the policyholder passes away. The policyholder makes monthly payments (or one lump payment) on the policy, with the cost based on the size and scope of the policy. This type of insurance appears complex at first, so you may be asking yourself: What do I need to know about life insurance? By understanding the basics, you can ask a policy provider the right questions and make an informed choice.

The Different Policies

Different types of policies are available; here is what to know about life insurance policies.

What Affects Policy Costs?

The cost and premium of your policy are affected by several factors, which include your age, health history, gender, driving record, tobacco use, lifestyle, and family history. For example, if you work in a risky industry, have dangerous hobbies, or have a family history of certain ailments, these can affect your policy quotes.

The Need for Life Insurance

So, who needs life insurance? The answer is that lots of people do. If you have anyone you want to support when you pass away, a life insurance policy can help you do that. If you have young children or children with health needs, if you own property with a spouse, or if you want to ensure you leave enough money to settle your debts when you pass, a life insurance policy can give you peace of mind and the financial coverage you need to help those you care for.

Who Needs an Umbrella Policy?

Wed, 09 Nov 2022 00:00:00 GMT

An umbrella is something you need to keep within your reach at all times in case it rains. An umbrella insurance policy is similar to that in nature. Here’s some information about who needs an umbrella insurance policy and why it might be an excellent idea for you to secure one.

What Are Umbrella Insurance Policies?

"What is an umbrella policy?" is most likely your first question. This type of insurance provides additional coverage to people who already have different types of insurance. In other words, it’s extra coverage. Thus, an umbrella policy might offer additional protection for property damages, medical expenses, and liabilities.

How Do Umbrella Insurance Policies Work?

Anyone with an umbrella policy will typically file a claim once their other policy exhausts. For example, you might use your umbrella policy once your car insurance policy pays out all it intends to pay to repair your vehicle. The umbrella policy would then kick in and cover the rest of the bill so you get everything taken care of with your car.

An umbrella policy can also cover things your other insurance policy will not cover. For example, you may have to pay for a vehicular accident that is more your fault than anyone else’s. A reliable umbrella policy could help you with that.

Who Needs an Umbrella Insurance Policy?

Now you’re probably wondering who needs umbrella insurance and whether you’re one of the people who do. The insurance might be good for you. In fact, it might be precisely what you need. The people who sign up for such policies are usually individuals who think ahead and think outside the box. Therefore, you might need a good umbrella policy if you don’t feel your current insurance policy is adequate. You might also need one if you’re someone who likes to play it safe and ensure all bases are covered.

How Much Is Umbrella Insurance?

The price of a decent umbrella insurance policy most likely won’t harm your wallet. However, it varies from location to location and between providers. The average cost of this insurance is usually between $150 and $350 for an entire year, and a $1 million policy will most likely cost you nearly $400 a year.

How To Get an Umbrella Policy

You’ll need to contact a reputable insurance company to obtain a new umbrella policy and ask for assistance. You’ll ask the agent to explain the company’s current policies and how those policies can assist you as someone interested in having additional coverage. The provider will then explain the available options and give you an idea of which choice would benefit you the most. It will be up to you to choose what’s best for you at that time.

You now have a bit more insight into umbrella coverage and how it works. Decide what’s right for you and speak to a provider with a strong reputation.

10 of the Best Fuel Efficient Cars of 2022

Mon, 24 Oct 2022 00:00:00 GMT

Selecting the most fuel-efficient vehicle is the way to go to lower your carbon footprint and save the highest amount of money. The following are some vehicles that made it on lists as the best fuel efficient cars 2022 had to offer.

2022 Hyundai Elantra Hybrid

The Hyundai Elantra Hybrid has a punchy 139-hp motor and excellent fuel efficiency numbers. You can expect to get about 53 miles per gallon in the city and 56 on the highway.

2022 Honda Accord Hybrid

The Honda Accord Hybrid is also an excellent choice. This one will give you about 47 miles per gallon in the city and 48 on the highway. The numbers aren’t as fantastic as they are on some other models, but they still exceed other vehicles on the market.

Hyundai Sonata Hybrid

The Sonata Hybrid does 50 MPH in the city and 54 on the highway. It’s also a gorgeous and sporty option you might like if you want to stand out from all the other drivers.

2022 Kia Niro Hybrid

The Kia Niro Hybrid is a great vehicle if you’re into SUVs. You can use this model to go on an amazing vacation or explore some new territory. It will give you 48 miles in the city and 50 on the highway.

2022 Toyota Avalon Hybrid

The Toyota Avalon Hybrid is a good choice if you want a sharp-looking and powerful vehicle with about 43-MPH abilities. Its fuel efficiency isn’t the highest in the industry, but it’s much better than average. Thus, it might be time to consider investing in it.

2022 Nissan Versa

The Nissan Versa is great if you’re a fan of small vehicles and affordable prices. The price stays in the range of about $15,000, and the fuel efficiency numbers are high. You can count on getting about 32 MPH in the city and 40 on the highway.

2022 Hyundai Elantra

The Hyundai Elantra is a superb choice if you’re looking for something budget-friendly. You can pick up a model for a little more than $19,000. It gets 33 miles per gallon in the city and 43 on the highway.

2022 Honda Civic Sedan

The Honda Civic Sedan will keep you safe and well-entertained while you’re on the road. Typically, you can get 31 city miles and 41 highway miles out of it, which is excellent compared to other vehicles in the category.

2022 Kia Forte

The Kia Forte is a sporty little option that is also affordable. Consider getting one if you want to combine style with fuel efficiency. The Forte can give you about 31 MPH in the city and 41 MPH on the highway. It’s well worth the consideration.

2022 Volkswagen Jetta

The Jetta has a heap of storage space and many boast-worthy features. What’s super-amazing about it is that it can give you 41 miles on the highway and 32 in the city.

You now have the answer to "What are the most fuel efficient cars 2022 offered?" Choose a vehicle that will work best for your family and give you the highest deduction.

Car Seat Safety

Mon, 10 Oct 2022 00:00:00 GMT

Car seat safety is a crucial part of overall driving safety and can reduce the number of injuries to children each year. The following are some of the best car seat safety practices you can use if you want to ensure your children’s wellness while driving:

1. Use the proper car seat.

The first car seat safety best practice is to make sure that you have the right car seat. Using the wrong size or type can put your little ones in the same danger as if you used no car seat. Visit the page of the National Highway Traffic Safety Administration (NHTSA) to get updated information on car seat safety and the ages and sizes at which children should be placed in them.

2. Do not skip car seat usage.

You might be tempted to drive without putting your little one in the car seat. Some people do this because they forget the car seat, and some do it because they don’t feel like putting forth a little extra effort. The NHTSA says that 325 children under five years old get saved each year because of people who take the time to do a little extra. Accidents are unpredictable and are not always your fault. Thus, you should always keep your child in the seat to ensure that he or she is protected even if an accident sneaks up on your family.

3. Know how to use the car seat.

Gather as much education as you can about proper car seat usage and care. The owner’s manual will have a lot of information inside of it about how to care for it before and after you use it. It may also provide you with basic instructions about how to put it into the car and sit your child in it appropriately. You may also search for tutorial videos that may provide you with a more in-depth explanation.

Don’t hesitate to telephone or email the manufacturer if you have any questions or concerns about the materials or the operational instructions on the product. It’s better to ask and find out now than be clueless on the road.

4. Inspect your car seat for damage regularly.

Another task you should do regularly is to visually inspect all car seats. Do this before you leave for a trip, and look for tears, cracks, and any other issues that could affect the unit’s stability if an accident occurs.

Some defects may be covered by your manufacturer’s warranty, while other issues will require you to replace the car seat. Fortunately, you can find new and used car seats at a variety of locations. You may even have access to a special program to help you get a car seat if you’re short on funds.

How do you use a car seat safely? Take your time, and do it right. It only takes a short time to get everyone buckled up, including your children. Take the time to use the equipment wisely so that you and your family members can be a positive statistic instead of a negative one.

Installing Carbon Monoxide Detectors

Fri, 30 Sep 2022 00:00:00 GMT

Carbon monoxide detectors are an important part of any home. They can save lives by warning you of a dangerous build-up of carbon monoxide gas. Carbon monoxide is produced by many common household items, such as furnaces, water heaters, and fireplaces. If there is too much carbon monoxide in the air, it can cause nausea, dizziness, and even death. That’s why it’s important to install carbon monoxide detectors in your home. This article will tell you how to install a carbon monoxide detector in your home.

Can I Install Carbon Monoxide Detector Myself?

You might be wondering if you can install a carbon monoxide detector yourself. The answer is yes! Installing a carbon monoxide detector is actually quite simple. All you need is a screwdriver and a drill. First, find a spot in your home where you want to install the carbon monoxide detector. It’s important to choose a spot near your sleeping area, so you can hear the alarm if it goes off in the middle of the night.

Where Is the Best Place to Put a Carbon Monoxide Detector in a Home?

There are a few things to consider when placing carbon monoxide detectors in your home. The first is the size of the home. A small home will need fewer detectors than a large home. Second, you’ll want to consider the layout of your home. If your bedrooms are upstairs, you’ll want to place detectors on each level. Third, you’ll want to think about where the potential sources of carbon monoxide are located. Following these guidelines will help ensure that your home is safe from carbon monoxide poisoning.

Steps Involved in Installing Carbon Monoxide Detectors

Installing carbon monoxide detectors is a simple process that can be completed in a few minutes. First, find an appropriate location for the detector. Second, use the mounting hardware to secure the detector to the wall or ceiling. Third, connect the detector to the power source. Finally, test the detector to ensure it is working properly.

Call a Professional

If you’re not comfortable installing a carbon monoxide detector yourself, that’s okay! You can always call a professional to do it for you. They will be able to help you choose the best location for the detector and make sure it is installed correctly. A professional will also be able to test the detector to ensure it is working properly. They’ll be able to give you peace of mind knowing that your home is safe from carbon monoxide poisoning. Moreover, if you have any questions about carbon monoxide detectors, a professional will be able to answer them for you.

Conclusion

Installing carbon monoxide detectors is an important step in keeping your family safe. Carbon monoxide is a colorless, odorless gas that can be deadly if inhaled. By following the steps outlined in this article, you can easily install carbon monoxide detectors in your home. Doing so could potentially save the lives of your loved ones. Contact Harvey Sarles Insurance Agency today for more information about home insurance and keeping your family safe.

What Is SR-22?

Thu, 15 Sep 2022 00:00:00 GMT

We all make mistakes, which sometimes lead to consequences like suspended driving privileges. Though this can seem like a terrible thing that will be impossible to overcome, it is not. There are a few different forms you need to fill out to get those driving privileges reinstated and a few different things you will need to show the court, including an SR-22.

What Is SR-22 in Indiana?

When asking what is SR-22, it is easiest to put it into simple terms. This is a piece of paper that proves you have financial responsibility for the vehicle that you are driving, or that you have insurance on the car you are driving. Insurance is required by state law and federal law to protect you and other drivers.

If you do not have insurance on the vehicle that you are driving, you are in violation of the law and can be arrested. No matter what the reason for your suspension of driving privileges, you do have to have a current SR-22 form on file for the Bureau of Motor Vehicles in Indiana in order to be able to obtain tags for your vehicle each year and keep your license current.

How Do I Get an SR-22 in Indiana?

The first step is to get in touch with an insurance agency and purchase a policy for your vehicle. You cannot get an SR-22 unless you hold a current, active policy. Many insurance companies have a self-service option where you can access your online account and get an SR-22 to print out and take to the BMV.

If your insurance company does not, or you are unsure if you are printing out the right thing, you can always call an agent, and they can walk you through the steps to find the right paperwork so that you can take it to the BMV. There are a ton of different reasons that you might need an SR-22, but the main two are to get your driving privileges reinstated for whatever reason or to get new tags for your vehicle each year.

It is required that this paper is on file so that the BMV can prove that you have insurance on the vehicle and that in order to get it registered and tagged in the state of Indiana, you have proven that you have insurance on it. Insurance is a huge deal, you need it to help pay your bills if something should happen and to help cover the costs of other drivers should you get into an accident.

You can contact an insurance agent today to find out more and get a policy that works for you and your vehicle and any supporting paperwork you might need.

What To Look Out for When Buying Car Insurance

Sat, 16 Jul 2022 00:00:00 GMT

When it comes to buying car insurance, there are different types of shoppers. Many shoppers just pay on the first quote they receive, while others buy insurance based on the cost of the premium. However, smart shoppers are thorough and sort through an evaluation based on many aspects. Even though the cost of the premium is important, there are other factors you should consider when shopping for car insurance.

Tips When Buying Car Insurance

Do you want to know what to look for in car insurance? Consider the following factors while shopping.

Insurance Rates

It is important to understand how insurance rates are determined. Your insurance rate is typically determined by a number of factors depending on the insurance company. You can easily ask about the rating factors while talking with a customer service rep. A person’s credit score, driving record, and insurance history usually determine what the premium will be for the policy. For instance, many companies will even allow a standard rate even if you have a lapse in your history within the last six months.

Rating Systems

Make sure you inquire about rating systems if you want to know what to look out for when buying car insurance. Many companies will rate a policy based on claims that happened within the last three years, while some go back five years. For example, if you have been in an accident within the last four years, it is smart to go with a company that only rates based on the last three years.

Inquire About Discounts

There are so many discounts that certain companies provide. Many companies offer affinity discounts, which means if you are a part of an alumni or association, you could be given a discount. Other discounts typically offered include military, accident-free, good student, and defensive driving discounts. These can be awarded when you prove that you have completed a defensive driving course.

Compare Competitors

Before you sign your life away to any insurance company, make sure that you have already checked out the rates of other insurance companies that may be offering the same services.

Be sure that the quotes you obtain consist of the same type of coverage to avoid comparing apples to oranges. You could even make a note of the coverage you will need so that every quote will reflect just that.

Read Terms and Conditions

Before you sign any agreement, make sure that you understand what you are signing. Be sure to read through the terms and agreement and if you have any questions, be sure that you ask the agency. Maybe you may not understand that you are signing something that states you rejected roadside assistance coverage. You may automatically assume you received this coverage.

Multi-Policy Discounts

It is always recommended that you bundle your coverage. For example, if you own a home or rental property, you can choose a company that will supply you with a discounted rate only if you have both homeowner and auto insurance with them. This will save you money on both of your insurance policies.

5 Simple Ways to Lower Your Homeowners Insurance Costs

Fri, 15 Jul 2022 00:00:00 GMT

Are you wondering how to reduce homeowners insurance? The price you pay for your home insurance can vary by thousands of dollars, but it depends on the insurance company you purchase your policy from.

Tips to Reduce Homeowners Insurance

There are many home insurance tips and tricks that you can follow if you’re interested in reducing the cost of the premium you pay.

Shop Around

It may take a little time, but you can save a ton of money just by shopping around and comparing rates. Check with your friends or contact your state insurance department. Resources are available that can supply you with information to assist you in choosing an insurer in your state, including complaints. States make this information available at typical rates that are charged by major insurers.

Increase the Deductible

Deductibles are the amount of money you have to pay for a loss prior to the insurance company paying a claim. The higher your deductible is, the more money you can save on your premiums. Many insurance companies recommend a deductible of at least $500. If you can afford to increase your deductible to at least $1,000, you can save at least 25%. Moreover, if you reside in a disaster-prone area, your insurance policy may have a separate deductible for certain kinds of damage.

Purchase All Policies from the Same Insurance Company

Many companies that sell homeowners, liability, and auto coverage will take 5 to 15 percent off of your premium if you purchase at least two policies from them. This combined price is less than purchasing the various coverage from different companies.

Make Your Home Disaster-Resistant

You can easily find out from your insurance company what steps you can take to make your home more resistant to natural disasters and other storms. Just by adding storm shutters or reinforcing your roof, you can save on your premium. Older homes can be retrofitted to make them better able to withstand earthquakes. Additionally, consider updating your plumbing, electrical, and heating systems to reduce the risk of water and fire damage.

Maintain Good Credit

It’s important to establish a solid credit history, because it can greatly reduce the cost of your insurance premium. Insurance companies are always using credit information to price homeowners insurance policies. In many states, your insurance company may advise you of any adverse action including a higher rate. If this is the case, make sure you verify the accuracy of the information on which the insurer relied. To protect your credit standing, keep your bills paid on time and avoid taking out any more credit than you need. Always keep your credit balance as low as possible. Check your credit on a regular basis, and if you notice any errors, have them corrected right away. This will help your credit record remain accurate.

Easy Ways to Save Money on Boat Ownership

Wed, 22 Jun 2022 00:00:00 GMT

Owning a boat can be an enjoyable and rewarding experience, but it can also be costly. There are a lot of people who would like to know things such as:

Indeed, while a boat can seemingly be all fun all the time, there are a lot of costs that you do not want to forget about along the way. The more you plan for these types of things, the better prepared you will be for what happens when certain factors come into play that may make boat ownership more expensive than you had anticipated.

Think About Fractional Ownership

You don’t necessarily have to own your boat outright. You could go in on the cost of a boat with other people so you each get some small piece of the boat and get to enjoy it on your own time. You still have some ownership rights to the boat and will get a chance to use it, but you will have to share it with other people who have also bought in on the boat. The reason to do this is that it significantly lowers the amount of money that you personally have to put in, and that is a huge deal.

Look at Insurance Options

Harvey Sarles Insurance Agency offers boat owners insurance options for their boats. Holding insurance on your boat is absolutely something that you will want to do, but it is easy to get confused about which offers are best and which you should ignore. That is why we will sit down with each customer that comes to us to let them know that we are there for them and are willing to help. If you need insurance help on your boat, please let us know. We will gladly look to find a quote for you that can help you save a lot of money through one of our plans.

Run Your Boat at Maximum Efficiency

Don’t waste gas out on the water by running your boat at less than maximum efficiency. You need to ensure that you aren’t wasting anything while out on the open waters. Look into ways to improve your boat’s operation, no matter what conditions are on the water. We are quite sure that there will be some obstacles that you will have to overcome, but it is best to run your boat at the optimal level of efficiency as much as you possibly can while you are out there.

People can save themselves huge bundles of money by paying attention to some of the basics like this. Take a look at the best ways to operate your boat with as minimal of costs as you possibly can. We promise that it will be worth your time.

How You Can Lower Your Boat Insurance

Thu, 02 Jun 2022 00:00:00 GMT

Owning a boat is a dream for many people. Boat owners enjoy the open water and have fun during the warm and sunny months of the year. If you are going to invest in a boat, you will also want to ensure that you get the right insurance for it. You will protect your boat and mitigate your insurance risks with quality insurance.

While there are advantages that come with having boat insurance, you can find that it is quite expensive. While boat insurance will always come with a cost, there are ways that you can reduce the expense. There are various tips in particular that can be followed to help reduce and manage your boat insurance costs.

Evaluate Needs

One of the most important ways to save money on your boat insurance costs is by carefully evaluating your needs. Many people will make the mistake of over-insuring their boat. While this may provide you with peace of mind, it is not necessarily necessary to be able to replace your boat if it is stolen or damaged. It is important to compare your existing plans to basic insurance requirements and best standards. If you are well over-insured, reducing coverage levels can be a great way to cut costs.

Increase Deductible

Reducing your deductible is a good option when you are wondering how to reduce boat insurance costs. A deductible is the amount of money you have to pay out of pocket toward an insurance claim. For boat owners, deductibles that start around $500 are common. However, increasing the deductible to just $1,000 or more can lead to a big drop in insurance premiums. If you do increase your deductible, it would be a good idea to ensure you have the money set aside in the event you need to file a claim.

Shop Around

The most important tip that you can follow when looking for any insurance plan is to shop around. There are many insurance providers in your area that could be willing to offer coverage for your boat. As no two insurance companies have the same method for underwriting, you could get a much better quote from one company than another. Due to this, shopping around and looking for the best deal possible could help you save money each month. An added option is to try and combine a boat policy with a home or auto insurance plan to see if you can get a multi-policy discount.

Boat insurance continues to be a big expense for boat owners. For those wondering how can I lower my boat insurance, following these tips is a good idea. Doing this can help ensure that your boat is properly insured while also managing the expense.

Why Do Insurance Premiums Go Up Every Year?

Sun, 22 May 2022 00:00:00 GMT

Why do insurance premiums go up? In the insurance industry, the majority of people expect to pay the same premiums the following year, which has never been the case. As the details show, insurance premiums tend to go up every year, so policyholders must spend more than they had planned. So, what causes your insurance premium to go up?

1. Low Credit Score

A low credit score has been causing the majority of insurance premiums to go up. If you have poor credit, most of the time, it will result in your insurance premium rate automatically going up. Generally, a score of 630 is considered to be poor credit. If you have bad credit, it will result in your insurance premiums going up, but you may also be refused coverage altogether.

2. Accidents or Violations

Your premiums are generally calculated based on your accident levels and violations in the insurance industry. If you have had any accidents or violations in the past, your insurance company will likely raise your rates. The number of accidents or violations you have had in the past will play a significant role in how much your rates are increased.

3. Age

As we age, our insurance premiums go up. As you get older, you’re likely to get into accidents. In addition, as we age, our eyesight and hearing begin to deteriorate, which can also lead to accidents. Also, older drivers are more likely to have health problems that affect their driving.

4. Gender

Studies have shown that men are more likely to get into accidents than women, which is why insurance companies charge men higher premiums. In addition, men are also more likely to drive faster and take more risks than women, leading to accidents.

5. Marital Status

If you are married, you will usually get a discount on your insurance premium. This is because married couples tend to be more responsible and have fewer accidents than unmarried drivers. In addition, if you are married and have children, you will also get a discount on your insurance rates. You should remember this if you are considering getting married.

6. Location

Where you live also plays a role in how much you pay for insurance. If you reside in rural areas, you will usually pay less for insurance than in an urban area. This is because there are fewer accidents in rural areas and less traffic. In addition, rural areas have better roads and are less likely to have potholes, damaging your car.

7. Inflation

Economic changes can also cause insurance premiums to go up. For example, if the cost of living goes up, the cost of repairs will also go up. In addition, if there is an increase in the number of accidents, insurance companies will have to pay out more money in claims, which will also cause premiums to go up.

Conclusion

There’s always an argument that insurance companies are just trying to make more money. While that may be true, there are many reasons why insurance premiums go up every year. Call Harvey Sarles Insurance Agency for professional customer service.

How Insurance Works

Mon, 02 May 2022 00:00:00 GMT

The insurance industry has undergone significant changes in the past few years, from personalized insurance products and automation to advanced analytics and proactiveness. These trends have revolutionized the industry, boosting productivity, efficiency, and excellent analytics. Yet, not everyone understands how insurance works. The following information will equip you with the knowledge you need.

Resource Pooling

How does insurance work? It is one of the most asked questions today. Insurance works by pooling together resources from people who share similar risks. These resources are collected to cushion them in case of a loss. The amount you pay to get this protection is called a premium. The premium will often determine the number of risks you’ll be covered against.

An insurance company will have multiple people at the risk of suffering a particular loss. All these clients pay a premium for the protection. Yet, there is minimal chance of all of them suffering the loss at the same time. The insurance company will have money to pay for the premium when a loss occurs.

It is a good idea to invest in an insurance policy, particularly if you have significant financial risk or assets on the line. That means you can place a claim whenever your property is stolen, accidentally lost, destroyed, or damaged. Depending on the extent of the damage, the insurance company will repair, replace, or fix the damage.

The Underwriting Process

Underwriting determines the risks of insuring your property or business. In this case, the insurance company will decide whether your property is vulnerable to a threat or if it poses an acceptable risk. Various technologies are used, including artificial intelligence, machine learning, and data science. The idea is to get a comprehensive view of the risks at hand.

This process is critical in ensuring that you understand how much the insurance company is willing to compensate you in case of damage. It will also indicate the circumstances under which the payment will be made, including how much premium you should pay. Suppose you ask, how does insurance work in simple terms? In that case, understand that the process starts with underwriting.

When To Consider Purchasing an Insurance Policy

There are specific times when you need to purchase an insurance policy. Usually, you will need this policy if it is a legal requirement. Some policies, including disability, unemployment, and workers’ compensation insurance, are part of the federal government’s needs.

Suppose you need a credit facility from a reputable lender. In that case, you will need to purchase insurance coverage. Various insurance companies will give suitable insurance policies to cover your house.

You will also need this insurance coverage if the financial loss at risk is way too much to afford. It will cushion you against significant financial constraints.

Insurance coverage is an invaluable investment. Yet, you must get it from a reliable insurance company. That is where Harvey Sarles Insurance Agencies comes in. We are skilled professionals with excellent networks with different insurance companies. Our experts will help you secure the best policy, depending on your needs. Call us today via (812)738-1536 and consult with us!

Why Renter Insurance is Important

Fri, 15 Apr 2022 00:00:00 GMT

If you are a renter, you cannot always prevent some circumstances, such as a break-in, theft, or a guest’s injury. Protecting your personal belongings with a renters insurance policy is a worthy undertaking. Renters insurance is a fairly comprehensive insurance program that you can customize to protect all of your things. A renters insurance policy is a group of coverages designed to help protect renters living in a house or apartment. A typical renters insurance policy includes three types of coverage, namely:

PERSONAL PROPERTY

Personal property coverage, a standard component of renters insurance, involves the cost to repair or replace your belongings, such as clothing, furniture, and electronics, up to the limits in your policy. If your renters insurance policy includes personal property coverage, it may help pay to replace your stolen items. This insurance policy covers items stolen after theft at your rental apartment or items stolen outside of house. When purchasing a renters insurance policy, you may have a few different choices when it comes to selecting personal property coverage. Here are a few things to keep in mind:

LIABILITY

Caters for repairs if you inadvertently damage someone’s property or a visitor’s medical bills if you are responsible for their injuries.

ADDITIONAL LIVING EXPENSES

If you are renting a house or apartment, you typically have a place to call home until your lease expires. But what if your rented home is damaged by fire, for instance, and you are unable to live in it? That’s where renters insurance may help cater for incurred costs, like hotel bills, if your rented residence is damaged and left uninhabitable.

Do I Need Renters Insurance?

Can you manage to replace all your belongings if your rented house caught fire? If your answer is no, you require renters insurance. Renter’s insurance coverage cannot stop unpleasant things from happening. However, it can make life easier when awful things occur. Here are some reasons why you need renters insurance.

What happens if you don’t have renters insurance ?

If you are lucky, nothing happens — you will save around 15 dollars per month. However, minus renters insurance, you will financially be on the hook if bad things occur.

How To Lower Your Car Insurance Rates as a Female Driver Under the Age of 25

Fri, 01 Apr 2022 00:00:00 GMT

Auto insurance is something you need if you’re a motorist. It doesn’t matter where you live because car insurance is mandated for motorists throughout the United States.

You’ll be grateful to have that policy, too, because it can provide financial protection in the event of an accident. Still, the rates may be a bit on the high side. It would be nice if you could find affordable auto insurance for females under 25.

Are you a woman under 25 looking for cheaper car insurance rates? If so, the tips below should prove to be very useful.

Take Advantage of the Good Student Discount

Do you want more affordable car insurance rates? Hitting the books could help you get those.

The good student discount is offered to individuals within a certain age range who do well at school. Insurers are willing to provide that discount because they assume that someone who takes their studies seriously will also be responsible on the road.

Note that the discount you’re getting and the conditions you must meet may vary from one insurer to the next. You should inquire about the good student discount while shopping around for a policy so you can identify which insurer is offering the best deal.

Be a More Careful Consumer

Before you head out in search of a new policy, you should take the time to consider your current situation. Consider the vehicle you have and think about what kind of coverage it really needs.

The chances are that you will be offered a policy with numerous provisions included. Ask yourself if you truly need all those provisions. There’s nothing wrong with sticking to the specific kind of coverage you need — you can even get a better deal that way.

Complete a Defensive Driving Course

Compare your policy to the one your parents have, and you may discover that you are being asked to pay higher rates. That’s something insurers intentionally do to effectively hedge against your inexperience as a driver.

Since you likely haven’t spent a lot of time on the road as a driver under the age of 25, insurers are still wary that you could get into careless accidents. They want some added protection and that’s why they are charging you more.

To lower your rate, you should prove to insurers that you take road safety seriously. Complete a defensive driving course and show proof of that to your insurer. Upon seeing that, they may agree to lower your rate.

Partner With an Insurance Broker

Lastly, you will have an easier time finding affordable car insurance for females under 25 if you work with an insurance broker.

Insurance brokers are very familiar with the policies different insurers provide. They can help you find the cheapest plans that are currently available. Partnering with an insurance broker is also a good idea if you want to speed up the buying process.

Reasonably priced auto insurance plans for females under 25 are available. By following the tips we’ve detailed above, you should be able to quickly find those plans the next time you go shopping.

Cheap Car Insurance Ffor Males Under 25 Years Old – How To Get the Best Rates

Tue, 15 Mar 2022 00:00:00 GMT

Driving a car continues to be a daily necessity for many people. When you are going to drive a car, you will also need to ensure that you have a proper auto insurance plan in place. Proper auto insurance is necessary to comply with state liability insurance laws and protect your vehicle. While auto insurance is required for everyone, some groups of people will likely be charged more for the same coverage.

One group that tends to have much higher costs are male drivers under the age of 25. This group tends to have higher costs as they have higher risks of being involved in auto accidents or being charged with moving violations. While auto insurance for males under 25 is more expensive, there are ways that you can reduce these costs.

Consider Coverage Needs

One of the most effective ways to cut your insurance costs if you are a male under the age of 25 is by evaluating and adjusting your insurance needs as you see fit. Many drivers will receive a noticeable reduction in premiums by increasing their deductibles, forgoing comprehensive coverage, or lowering their coverage levels. These tips can reduce your monthly payments, but it is important to ensure you have appropriate coverage for your situation.

Shop Around

Another important tip when looking for affordable car insurance for males under 25 is to shop around. When you are looking for auto insurance, you will find there are a lot of companies that can offer these insurance plans. Each of these companies will have different methods for underwriting your insurance plans. Due to this, one company may offer much lower rates than another. By shopping around, you can find a plan that will provide you with appropriate coverage at a more affordable cost.

Focus on Improving Factors That Affect Rates

While young males are always going to have higher rates on average than most other drivers, there are ways that you can reduce your costs. Your individual driving record, type of car driven, credit score, and other important factors will always be major influencers toward your insurance premiums. By focusing on being a safe driver, having good credit, and improving other aspects of your application, you could receive a reduction in your annual payments.

Having an auto insurance plan continues to be a necessity for any driver. For those that are male and under the age of 25, the cost of this coverage can be significantly higher than most other groups. Fortunately, there are ways that a young male can save money and receive a more affordable policy.

7 Smart Steps for Buying Life Insurance

Tue, 01 Mar 2022 18:34:00 GMT

Life insurance is a smart choice, especially when you have family depending upon you. Even though we all hope for the best, preparing for the worst is the kindest thing you can do to support your loved ones.

If this is your first life insurance policy, you might not understand the steps for buying life insurance. Here are seven smart tips to help get you started:

Now that you know the steps for buying life insurance , let Harvey Sarles Insurance Agency help. Call us today to learn more about our life insurance policies and which plans are right for you.

What’s Not Covered Under an Umbrella Insurance Policy?

Tue, 15 Feb 2022 18:34:00 GMT

Knowing what is covered with an umbrella insurance policy is just as important as knowing what’s not covered. You might already know that umbrella insurance is extra personal liability coverage, which can protect you if your insurance doesn’t cover an entire lawsuit’s payout.

However, this isn’t a silver bullet against liability. There are certain things umbrella insurance policies will not cover—and the last thing you want is an unpleasant surprise during an already stressful time.

Here’s a quick guide to umbrella insurance policy coverage. If you have any questions, don’t hesitate to contact Harvey Sarles Insurance Agency.

What is an umbrella insurance policy?

An umbrella insurance policy is extra liability coverage. If you own a home, vehicle or boat, you probably already have insurance policies for those items.

If you’re involved in an auto or boat accident or if someone is injured on your property, your existing insurance policies may not be enough to cover full liability. Umbrella policies provide extra coverage so your savings and assets aren’t wiped out.

Umbrella policies typically cover the homeowner (or vehicle/boat owner) along with members of your household. For example, say your teenage son’s friends were goofing around on your property and got injured—and then their parents sue you. If your homeowners insurance isn’t enough to cover your liability, the umbrella insurance kicks in.

What isn’t covered under an umbrella insurance policy?

Umbrella insurance policies don’t cover every kind of accident or harm. First, they don’t cover your own injuries or property damage—only the injuries and property damage inflicted upon others. They also don’t cover injuries and property damage that you intentionally caused or those which occurred during the course of business or other professional activities.

If you assumed liability for injuries or property damage through a contract, that contract supersedes your insurance policy. You will not be able to use your umbrella insurance policy in that event.

Finally, if you have any dog breeds or recreational vehicles which are specifically excluded from the policy, related injury and property damage is not covered.

Do I need umbrella insurance?

How do you know if you need umbrella insurance? While the answer varies from person to person and family to family, the best way to tell is to look at your finances. How much do your homeowners and auto insurance policies cover? What’s the average cost of a car accident, boat accident or injury on someone else’s property? Would a lawsuit wipe out your personal savings?

If your current insurance policy is insufficient or if you just prefer the peace of mind that additional coverage brings, an umbrella insurance policy is a wise decision. Life is full of surprises, but you can mitigate the unpleasant ones by getting umbrella coverage.

Deciding on an insurance policy or policies can be difficult. The insurance agents at Harvey Sarles Insurance Agency are glad to help you figure out what kind of coverage you need. Call us today to discuss our policies, get a quote and decide which coverage is right for you.

Do I Need Homeowners Insurance, and When Should I Buy It?

Thu, 27 Jan 2022 20:05:00 GMT

For first-time homebuyers, the process can be intimidating. You go to see so many different homes, which have a vast cornucopia of unexpected problems. From leaky roofs to collapsing floors to ancient HVACs, you’ll have to sort through a lot of unsatisfactory properties.

Once you’ve found the home that’s right for you and your family is when the real work begins. You might wonder: Should I buy homeowners insurance? You’re probably dreaming of paint colors and where the couch will go, but these are far less important than securing adequate coverage for your home.

Do I need homeowners insurance?

Yes. There isn’t a law requiring you to have homeowners insurance, but in order to close on the property, you will need to secure coverage for your new home. It’s a smart idea to research different insurance policy options and see which levels of coverage are best for you. You’ll also need to make sure that the coverage meets your lender’s requirements.

Lenders won’t fund a mortgage or a home equity line of credit without the home having proper insurance. You should ensure that the lender finds the policy you’ve purchased to be adequate before you go to closing. Home insurance protects the investment the lender is making in the event that a catastrophe results in the home needing to be repaired or replaced.

What homeowners insurance type do I need?

Typically, insurance policies cover the following:

How much homeowners insurance should I have?

The amount of homeowners insurance you need is dependent on the value of your home and your possessions. Discuss with your agent about the recommended amount that will cover the home’s structure and how much it would cost to rebuild. Then take an inventory of your personal possessions, which usually falls at 50 to 70 percent of the insurance amount on the home.

When you need homeowners insurance, turn to a local firm you can trust: Harvey Sarles Insurance Agency . We have a wide network of policy options behind us and will find the most affordable solution that will meet all your insurance needs. Whether you need home insurance, auto insurance, farm insurance and more, we’re here to help. Contact us today and speak with one of our helpful representatives.

How to Estimate the Replacement Cost of Your Home

Thu, 13 Jan 2022 20:05:00 GMT

One major part of any homeowners insurance policy is the replacement cost of the home. This is also known as your dwelling coverage limit. This coverage is selected when you set up your homeowners insurance policy and is used when you need to repair or replace the home in the event of damage or destruction.

You might think that putting down the home’s market value should cover the replacement cost of the home, but it’s actually more complicated than that.

Let’s take a look at the factors that go into determining this value.

What does replacement cost coverage mean?

Replacement cost of a home is the entire amount that it costs to rebuild the property. This is different than the market value of the home, which includes many other factors. A home insurance policy refers to the replacement cost via dwelling coverage and personal property coverage.

Dwelling coverage applies to the home and all attached structures like garages and fences. Personal property refers to all the things you own. A homeowners insurance policy will likely cover the dwelling at replacement cost value, which will fund the full cost of repairing or rebuilding.

But this isn’t always the case. The cost of rebuilding older homes or those with specific architectural features may be too costly to do with modern materials. In this case, the insurance company may not cover the entire replacement cost of the home.

It’s worth noting that there are many factors that go into determining replacement cost. These include the home’s square footage, the number of rooms, the age of the home, the interior features, any renovations and more.

How to estimate replacement cost of home

If you want to get an estimate of replacement cost, there are a few different ways to do it:

When you need protection from life’s unexpected twists and turns, Harvey Sarles Insurance Agency is here. We offer policies on life, home and auto, along with umbrella, liability and business insurance. Come have a chat with our experienced insurance brokers and find out how we can protect the most important parts of your life.

Six Tips for Riding Your Motorcycle in the Rain

Thu, 30 Dec 2021 06:44:00 GMT

Some people love motorcycle riding in the rain, while others prefer calm, sunny days for a leisurely ride. Whether you love it or not, riding your bike in the rain can be a slippery challenge, requiring you to stay calm and drive smoothly.

Read on to discover six important tips that will help you ride your motorcycle safely in rainy weather.

Watch out for puddles

Always assume that puddles are deeper than they look. At worst, they could be hiding a significant pothole that can be dangerous. If you have no way to avoid driving over a puddle, make sure you hold the throttle steady, keep off the breaks and keep the bike upright.

Avoid slippery surfaces

Think about some of the surfaces that are slippery to drive on during dry weather. After a rain, things like painted lines, metal plates and manhole covers become perilously slippery. If you’re bike riding in the rain and you find yourself caught on any of these elements, don’t brake hard or accelerate. Simply roll over them without making sudden movements.

Look out for oil

Avoid slippery oil pools at all costs. As you’re driving in the rain, look out for oil slicks. They’re usually present at intersections where vehicles sit and leak oil. As a general rule, use caution whenever you’re stopping at intersections or crossing through them during and after a rain.

Drive in dry lines

If possible, drive in the dry tire tracks the vehicles in front of you have left on the road. As cars travel on wet roads, their wheels act like a plow and push water out of the way for a few moments. Take advantage of that dry pavement, but make sure to keep your distance from vehicles ahead of you.

Wear the right gear

Wearing proper riding gear is one of the best safety measures you can take when it comes to riding a motorcycle in rainy weather. Make sure you’re wearing windproof, breathable and waterproof jackets, pants and gloves—better yet, wear visible waterproof gear to help other drivers on the road see you. Wear goggles or face shields, but make sure they’re treated with anti-fog coatings to preserve visibility.

Know when to stop

If the rain is coming down in sheets or if high winds become a factor while you’re driving, pull over in a safe spot, and take a break. When visibility is significantly reduced, driving is dangerous for you and others on the road. Not only is it harder for you to see, but it’s harder for other drivers to see you. Play it safe and take a break from driving until conditions clear up.

Motorcycle riding in the rain isn’t a big deal as long as you drive safely and with great care. No matter the season or the weather outside, it’s important make sure you’re protected with comprehensive motorcycle insurance. Reach out to the team at Harvey Sarles Insurance Agency today to pick the right motorcycle insurance policy for you.

Six Recreational Boating Safety Tips

Thu, 16 Dec 2021 06:44:00 GMT

It’s no secret that recreational boating can be dangerous, but following proper safety protocols can minimize the risk of accidents on the water. Whether you’ve just purchased a boat or you’re a seasoned captain, it doesn’t hurt to familiarize yourself with essential boating safety tips .

Stay safe on the water by keeping the following tips in mind.

Don’t drink and boat

You wouldn’t operate a car while drinking, so follow the same philosophy while you’re on a boat. It’s unwise to drink alcohol while boating—whether you’re operating the craft or not. Leave the alcohol on dry land, and stay safe and alert while you’re on the water.

Take a boating safety class

The majority of boating fatalities occurred on boats where the operator failed to complete a basic safety course. A small investment of time can keep you and your group safe as you enjoy life on the water. Contact your local Coast Guard Auxiliary to learn more about courses in your region.

Bring life jackets

Life jackets play a major role in boating safety. They not only keep you afloat, but they can even turn an unconscious person face up and can help prevent hypothermia. All boats are required to have U.S. Coast Guard-approved life jackets for every person on board. In some parts of the country, children must wear life jackets the entire time they’re on a boat. Choose a life jacket that features auto and manual inflatable vests—they turn an unconscious wearer face up.

Check the weather

Keeping a close eye on the weather before you head out to the water is one of the most essential boating safety tips. Even if it appears to be a sunny day outside, you can’t predict when a storm will roll in just by sight only. Look for varying gusts of wind and choppy waters, and pay attention to the weather forecast to determine whether it’s safe to boat.

Don’t overload

Understand and follow your boat’s capacity guidelines. Overloading a boat can cause it to float unbalanced. As you can expect, this is potentially dangerous for everyone on board.

Create a safety kit

Since you can’t predict when you’ll face an emergency situation, keep a boat safety kit on board just in case. Essential items to keep on board include:

Recreational boating is only fun when it’s done safely. Follow the tips described above to enjoy safe travels on the water, and always make sure you’re covered by the proper insurance policies in case of accidents. Contact Harvey Sarles Insurance Agency to learn more about the coverage you need for your recreational craft.

Tips for Sharing the Road with Cyclists

Fri, 03 Dec 2021 03:34:00 GMT

Accidents that occur between motor vehicles and bicycles can result in devastating injuries to the cyclists, who are quite unprotected compared to motorists. It is important for both drivers and cyclists alike to understand the rules of the road and how they can coexist on it.

Here are a few tips to help you watch out for cyclists’ safety while driving:

These are just a few of the steps you can take as a driver to share the road with cyclists and make the streets a little safer for everyone. Staying safe on the roadways doesn’t just prevent accidents and injuries—it also benefits your insurance, as it keeps your premiums low. For more information, contact us today at Harvey Sarles Insurance Agency .

Should I Winterize My Boat? You Should—and Here’s Why

Fri, 19 Nov 2021 03:34:00 GMT

Yet another boating season has come and gone. If you haven’t winterized your boat yet, it’s important you get that done quickly, as the winter weather is fast approaching.

But what exactly does it mean to winterize a boat, and why is this such an important task? Here’s a quick overview of what every boat owner needs to know.

Winterizing a boat

The process of winterizing a boat can involve different things for different boat owners, depending on the size and type of the boat and where and how it will be stored. The general idea is that winterization involves all of the necessary tasks to remove the boat from the water and prepare it for seasonal storage until the spring arrives and a new boating season begins.

When the boating season is over, it’s important to analyze the condition of your boat and then take all of the necessary steps to protect the motor and all of the water circulating components that surround it. You should inspect the manifolds, water circulation pump and other such parts.

You should begin the process of winterizing your boat as soon as you’re sure you will no longer be using your boat for the season. It’s best to get the job done before the weather gets too unpleasant. You should absolutely get the work done before there’s any threat of a freeze—having your boat in the water during freezing conditions could result in some significant damage to the hull and to various mechanical components.

The earlier you get the job done, the more likely it is you’ll be able to avoid issues with excessive moisture and mold. Ideally you will have your boat in its storage location and all wrapped up before any freeze occurs so you can keep out moisture and prevent mold from forming in the spring. If you wrap up a boat while it’s soggy, you will have a lot of issues with moss and mold once you open it back up.

If you have a dry, heated, indoor storage location for your boat, you don’t need to worry as much about the elements. But if you’re going to be storing the boat outside in a designated parking area, it’s critical that you be efficient with your winterization to avoid that potential damage.

Seeking professional assistance

Winterizing a boat is something you can do yourself with a bit of help from your friends. But there is always professional help available to ensure you get the job done efficiently and correctly.

Professionals will be able to get you through the process in such a way that you can avoid potential damage to your boat, both from maneuvering it around and from improper storage. Pros will also handle all of the tasks aside from moving the boat and wrapping it up, including fuel maintenance, system checks, cleaning and various other tasks that should be performed before winter storage.

For more information about how you can winterize your boat to protect your investment and avoid insurance-related issues, contact Harvey Sarles Insurance Agency .

What You Need to Know About Personal Umbrella Insurance

Tue, 02 Nov 2021 22:49:00 GMT

What would you do if you’re sued for something your regular insurance doesn’t cover? Most people can’t pay defense and liability costs that aren’t covered by typical insurance policies. If you’re held personally liable for injury to another person or for property damage, personal umbrella insurance can step in to cover the cost. Personal umbrella insurance safeguards your assets, protecting you from large and potentially devastating liability claims or judgments. Here’s the important personal umbrella insurance information you need to know.

What does personal umbrella insurance cover?

Essentially, personal umbrella insurance protects your assets if your actions cause damage or injury to another person and you’re found personally liable. It covers the following types of damage:

What isn’t covered by umbrella insurance?

Developing a full understanding of umbrella insurance information also involves determining what isn’t covered by the typical policy. Here are some of the important assets that are not covered:

Who needs umbrella insurance?

Everyone can benefit from an umbrella insurance policy, mainly because accidents that result in high costs in terms of bodily injury and property damage can happen to anyone. In the event of an unfortunate accident, an umbrella plan can prevent you from paying out of pocket for the injured party’s medical or legal bills if you’re deemed responsible for the damage.

There are many situations in which an umbrella insurance policy may be particularly beneficial. While your homeowners insurance policy likely covers some amount of liability if you cause an accident or if one occurs on your property, a personal umbrella plan increases that limit, which may be useful for damage that creates significant expenses.

An important thing to keep in mind is that umbrella policies extend to other members of your household, including your spouse, kids and any other relatives who may live in your home and who don’t have their own auto or property insurance policy. If any member of your household is involved in an accident and is found to be at fault, your policy protects them, too.

Want to learn more about personal umbrella insurance? Contact Harvey Sarles Insurance Agency today and discover how this special policy can safeguard your assets and provide you with unmatched peace of mind.

Five Reasons Why You Need Motorcycle Insurance

Tue, 19 Oct 2021 22:49:00 GMT

Helmets, gloves, riding boots, pants and a protective jacket are all essential forms of protection for motorcyclists, but so is motorcycle insurance . The right policy can cover not just repairs and replacement costs in the event of an accident, but also associated medical bills for anyone injured. No matter how frequently you ride your motorcycle, a strong insurance policy is a wise investment. Read on to get an understanding of the five most important reasons to buy motorcycle insurance .

Legal requirements

First and foremost, motorcycle insurance is legally required in nearly every state—the only exceptions are Hawaii, Michigan, Montana and New Hampshire. In every other state, motorcyclists are required to have liability insurance, at minimum. Keep in mind that liability insurance won’t cover injuries to yourself or damage to your motorcycle, but it does help you cover cost of damage to other injured parties or property owners.

It’s recommended for all motorcyclists to purchase motorcycle insurance. Policyholders with motorcycle insurance are covered from some of the financial damages that may be incurred in the event of an accident, providing you with greater peace of mind whenever you go out to ride.

Coverage in the event of an injury

Liability insurance doesn’t cover injuries you may incur in an accident. There are two types of motorcycle insurance you can purchase to cover injury to yourself and your property: personal injury and collision coverage. Personal injury insurance offers reimbursement for your healthcare expenses if you’re involved in an accident, while collision coverage helps pay for damage to your vehicle.

Motorcycles are more prone to theft compared to cars

Motorcycle theft is a growing crime, fueled in part by how easy it is to steal these vehicles. They’re much easier to steal than cars, and they’re harder to track down, too. It’s wise to invest in comprehensive insurance for your motorcycle, providing coverage from theft and other unfortunate events including vandalism and natural disasters like fires and floods.

Coverage in case of a breakdown

Motorcycle repair insurance is an optional type of coverage that can be a big help if your bike experiences any type of mechanical breakdown. These policies are similar to an extended warranty, covering repairs that may otherwise be too expensive to pay on your own. They can even include roadside assistance and towing for your convenience.

Motorcycle insurance can cover your passengers, too

Plan on giving anyone a ride on your bike? If you are, you should research your motorcycle insurance policy carefully. The passengers who ride with you on your motorcycle may not have good insurance coverage themselves, putting them at risk in the event of an accident. If you choose a good motorcycle insurance policy, they won’t have to worry about covering all medical costs associated with a motorcycle accident.

There are many reasons to buy motorcycle insurance. Overall, investing in a strong policy gives you peace of mind, helping you enjoy every ride to the fullest. Contact Harvey Sarles Insurance Agency today to discover the best motorcycle insurance policy for you.

The Top Five Benefits of Homeowners Insurance

Tue, 05 Oct 2021 23:07:00 GMT

Owning a home comes with a lot of responsibilities. One thing that can’t be overlooked is paying for a proper homeowners insurance policy.

Continue reading to learn a few benefits of homeowners insurance and to answer the question, “Is homeowners insurance worth the cost?”

How much homeowners insurance do I need?

So is homeowners insurance worth the cost? Absolutely! But the question is how much insurance you actually need. The answer varies from home to home, but here are a few things to consider:

Get your quote today

Now that we’ve covered the benefits of purchasing homeowners insurance, it’s time to get your quote. Contact our team at Harvey Sarles Insurance Agency today to get a policy quote or to learn more about your homeowners insurance options.

Everything You Should Know About Farm Insurance

Tue, 21 Sep 2021 23:07:00 GMT

Whether you have a large farm with livestock or a small operation where you sell some produce at the farmers’ market, you should consider investing in farm insurance.

What exactly is farm insurance, and what are the benefits of farm insurance? This post will cover everything you need to know.

What are the benefits of farm insurance?

Before we get too deep into the intricacies of farm insurance, let’s cover the perks of having it. These are a few reasons to consider buying farm insurance:

Some facts about farm insurance

The insurance industry is full of different facts that many farmers don’t know. Here are a few interesting things to know if you’re wondering, “Do I need insurance for my farm?”:

Contact our pros today

If you’ve asked yourself, “Do I need insurance for my farm ?” and determined that the answer is yes, then talk to our team at Harvey Sarles Insurance Agency. We’ll work with you to create a policy that fits your exact needs.

Why Do I Need Homeowners Insurance?

Wed, 01 Sep 2021 22:23:00 GMT

Fires, floods, tornadoes, major storms and random acts of God: Could you afford to repair or replace your home and belongings if they were destroyed? The vast majority of Americans can’t, which is why we buy homeowners insurance. The benefits of homeowners insurance are pretty straightforward. If you’re new to homeownership, however, you might need a refresher.

Read on to learn why it’s one of the most important purchases you can make:

Don’t put off buying this insurance—homeowners insurance benefits far outweigh any premiums you’ll pay. Reach out to Harvey Sarles Insurance Agency today for help choosing the right home, vehicle and other insurance policies. We’d be glad to sit down with you and learn more about what you need out of a policy.

Six Reasons Why You Need Car Insurance

Sun, 15 Aug 2021 22:23:00 GMT

The benefits of buying car insurance are obvious, but they can’t be understated. Every time you get behind the wheel, you’re assuming a big responsibility—and a big risk. Driving a car, van or truck is convenient, but it can also be deadly to you, your passengers or other people on the road. Having a good car insurance policy is the best way to protect yourself, your property and your passengers from the surprises that life has to offer.

Here are the top six benefits of having car insurance:

When you need great car insurance, reach out to the team at Harvey Sarles Insurance Agency today. We offer traditional and commercial auto insurance as well RV insurance, home insurance and more. Let us help you find the right policy—contact us to schedule a consultation to discuss your coverage needs.

What You Need to Know About Renters Insurance

Mon, 02 Aug 2021 23:35:00 GMT

Even if they don’t own a house, it’s safe to say that most people have at least heard of homeowners insurance. However, that’s not always the case when it comes to renters insurance. As the name suggests, renters insurance policies are designed for individuals who rent their house or apartment instead of owning it.

As a top local insurance agency, we’ve put together this post to teach you a bit more about renters insurance and its importance.

What does it cover?

Some policies cover more than others. However, here’s what you can typically expect to be covered under your renters insurance policy:

What doesn’t it cover?

Unfortunately, renters insurance doesn’t cover everything. Flood damage, earthquake damage and pest infestations are not covered by standard renters insurance policies. Separate policies must be purchased for these instances. Additionally, your policy does not protect your roommate’s possessions—each roommate will need their own policy.

Is it required by law?

You may be surprised to find out that renters insurance isn’t actually required under any law. That said, many landlords require proof of insurance before you sign your lease. Check with your landlord before signing to see how much insurance you’re required to carry.

How much insurance do you need?

Unless your landlord has a rule about coverage, the amount of renters insurance you need depends mostly on how much stuff you have. The more belongings you have, the more insurance you should carry. Start by taking an inventory of your belongings—including your vehicle—to determine what size policy you need.

How much does it cost?

According to NerdWallet , the average cost of renters insurance is about $14 per month. If you’re on a budget, you can consider raising your deductible to lower your monthly payment. However, that means you’ll receive a smaller payout if there’s an emergency.

Where can you get the best insurance?

For the best coverage at the most competitive rates, look no further than Harvey Sarles Insurance Agency for your renters insurance . Give us a call today to learn more about your options or to get a quote for your new policy.

Seven Ways Life Insurance Can Protect You and Your Family

Mon, 19 Jul 2021 23:35:00 GMT

Young and healthy adults rarely think about the possibility of dying, which is why many of them don’t carry a life insurance policy. But regardless of your age and overall health, you can benefit from buying life insurance.

Additionally, the longer you wait, the more expensive buying a life insurance policy can be. Continue reading to learn a few of the top life insurance benefits:

Talk to Harvey Sarles Insurance Agency today

Because life insurance policies get more expensive the older and less healthy you are, now’s the time to act. Ensure you get the lowest rate and the best coverage by calling our team at Harvey Sarles Insurance Agency right away. We guarantee you won’t find better coverage anywhere else.

Six Reasons to Buy Life Insurance

Fri, 02 Jul 2021 15:24:00 GMT

Home, auto and health insurance are standard safeguards that most people employ, but what about life insurance? Although life insurance isn’t required like health and auto insurance are in many states, it could still benefit you to consider a policy.

If you’re shopping around for different life insurance policies in the 47112 area, you’re not alone. Millions of people purchase life insurance policies each year, and there are several reasons why you should become one of them. Here are six reasons to buy a life insurance policy in Corydon, IN:

Call to discuss a life insurance policy today

We’d love to talk over some life insurance policies with you if you’re in the 47112 area in Corydon, IN. Give Harvey Sarles Insurance Agency a call to speak with experts who truly care about offering you and your family financial security in the event of a tragedy.

Seven Things You Need to Know About RV Insurance

Fri, 18 Jun 2021 15:24:00 GMT

You might be familiar with insurance policies like home and auto, but what about RV insurance? Depending on how you use your RV, it might blur the lines between a domicile and an automobile.

When shopping for RV insurance in Corydon, IN, the best advice is to be open and honest with the insurance agent you’re speaking with. This will make the process run much smoother and make both of your lives easier. If you’re in the 47112 area and you’re curious about RV insurance, here are some things to know:

Call for RV insurance today

If you’re in the 47112 area and looking for RV insurance, give Harvey Sarles Insurance Agency in Corydon, IN a call today. We’d be happy to discuss RV insurance policies with you so you and your family can have peace of mind when you hit the road this summer.

Why Is Auto Insurance Important?

Thu, 03 Jun 2021 16:32:00 GMT

As you consider your various living expenses, you may wonder why you are paying for auto insurance in Corydon, IN. With so many other things you’d probably rather spend your money on, why pay for car insurance in 47112?

The fact is, auto insurance is crucial. It offers unique protections that you can’t afford to miss. Here’s the scoop.

Financial liabilities

Auto insurance in Corydon, IN provides financial protection. If you get in an accident, the insurance will pay for repairs to your vehicle that might otherwise be unaffordable. Even more importantly, if the accident is your fault and you must pay for damage to another vehicle or property, your insurance policy will provide coverage for these costs. Considering that even minor accidents can result in car body repairs up to $1,500, it’s easy to see why it’s important to have auto insurance in Corydon, IN .

Medical expenses

If you are in an accident that results in personal injuries, your car insurance in 47112 will help with the related medical expenses—for both yourself and others involved. We all know how expensive medical care can be. Without auto insurance in Corydon, IN, it might be impossible to cover the costs of treatment after an accident.

Legal consequences

Car accidents can result in a variety of legal issues. First, you may experience a lawsuit if you injure another person or damage property. It will be helpful if you have insurance coverage to assist with these costs.

Second, most states require by law that drivers have auto insurance in Corydon, IN . If you drive without coverage, you will be breaking the law. If caught without insurance, you may suffer a fine, license suspension or other legal action against you.

Surprises

Car accidents aren’t the only unexpected events that might result in the need for costly repairs. Vandalism, hail, fire, theft and animal damage are all surprises that may occur. Any of these situations can cause major damage to your vehicle that is expensive to repair. Without insurance, you may not be able to recover from these damages.

Adequate coverage

Considering the various perils that auto insurance in Corydon, IN protects you against, you may wonder what type and how much insurance coverage is appropriate. Minimum requirements vary by state, and your policy can be tailored based on your personal needs. Therefore, it is important to review local laws and your lifestyle to determine what coverage is best for your situation.

Possible coverage includes property damage, bodily injury, personal injury protection, liability, comprehensive and more. Each type of coverage also varies by deductible and limits. To figure out the best coverage to suit your needs, consult with an insurance professional .

Get essential protection

Harvey Sarles Insurance Agency has been the premier source for reliable auto insurance in Corydon, IN since 1988. We offer affordable insurance solutions to meet your specific needs. Give us a call today to consult with one of our auto insurance experts. We are here to answer any questions you have and to provide the ideal coverage for your vehicle, lifestyle and budget.

The Ultimate Guide to Mobile Home Insurance

Thu, 20 May 2021 16:32:00 GMT

When it comes to homeowners insurance in Corydon, IN, the details can become overwhelming. How much coverage do you need? Which policy is appropriate for your property? What’s the difference between RV insurance in Corydon, IN and mobile home insurance?

Use the following FAQs to guide your insurance purchase. For additional information, don’t hesitate to contact your local insurance experts .

What does mobile home insurance cover?

This varies by policy; however, basic mobile home insurance coverage typically includes:

What affects the cost of mobile home insurance?

The premium is affected by several factors. The age and condition of the home is one of the top considerations. The location is also important. For example, if you live in an area that is prone to theft or flooding, your insurance costs will be higher. Your coverage limits also factor into the price of the policy. The higher limits you purchase, the higher the premium.

The amount of your deductible is also important. If you have a higher deductible, you can usually enjoy a lower premium, but you will have a higher out-of-pocket cost if you make a claim.

You may be able to lower the cost of your homeowners insurance in Corydon, IN if you qualify for any discounts. Potential savings include a multi-policy discount, military discount and discounts for safety features, such as a home security system. If you have a no-claim or low-claim history, you may also qualify for a discount.

How much homeowners insurance in Corydon, IN do I need?

To determine how much coverage you need, consider three main factors:

Get expert input

Have more questions? For in-depth answers, contact the team at Harvey Sarles Insurance Agency.

We have been serving our community with affordable insurance solutions since 1988. We offer a full range of homeowners and renters insurance, auto insurance and personal umbrella liability insurance in Corydon, IN, as well as business insurance, special event insurance and more. Give us a call today for professional input for your insurance decisions. We’re here to help at 812-738-1536.

What Is the Difference Between Collision and Comprehensive Coverage?

Fri, 07 May 2021 02:19:00 GMT

When it comes to auto insurance, vehicular damage most commonly falls under collision or comprehensive coverage. Since collision insurance may cover situations that comprehensive insurance does not, and vice versa, the two are often bundled together for the benefit of the policy holder. Read on to learn more about the particulars of auto insurance in Corydon, IN.

What is collision insurance?

Collision insurance covers damage to your vehicle caused by collisions, regardless of who’s at fault. This may include collisions with another vehicle, collisions with an object or rollovers. Your vehicle may also sustain damage after driving over a pothole. Depending on your policy, collision insurance may cover the necessary repairs or even the full replacement of the vehicle. Collision insurance may not be required by law, but it’s often required for financing or leasing by banks and dealerships, and you might not be able to drop it until the lease or loan has been paid off.

What is comprehensive insurance?

Comprehensive insurance covers vehicular damage due to non-collision causes. Covered incidents may include theft, vandalism, fire or weather. Objects falling on or animals running into your vehicle also fall under this category. It’s important to note that some policies will insure a vehicle for its current value, rather than the replacement cost or how much was initially paid for it. To make up for this difference in cost, some states have the option of purchasing gap insurance.

Do I need both collision and comprehensive insurance?

There are several factors to consider in determining whether you require both collision and comprehensive insurance. The newer your vehicle and the higher its value, the more the combined coverage could save you money if your vehicle requires repairs or replacement. Conversely, if your vehicle is old and paid off, you might consider forgoing optional insurance. The cost savings might be tempting, but it’s also important to consider whether you would be able to cover potential repair or replacement costs without the additional coverage.

The more you drive, the greater your risk of experiencing vehicle damage, just because you’re spending more time in your vehicle. There also might be certain areas along your frequent routes that are prone to wildlife collisions. If your driving habits or your commute are more susceptible to these kinds of risks, acquiring both collision and comprehensive coverage might be the right choice for you. Similarly, comprehensive coverage might be a good idea if you live in an area with high rates of crime or natural disasters.

Looking for a new auto insurance policy in Corydon, IN? Harvey Sarles Insurance Agency has been proudly serving the community for more than 30 years, providing customized policies for vehicles, homes and so much more. We’re a one-stop shop that offers insurance policies for everything in your life that’s worth protecting. Our team can guide you through all the available policies for your needs and budget, explaining the differences between policies and helping you decide what’s best for your situation. Contact us today to discuss policy options and get a quote!

What Kind of Water Damage Is Covered by Insurance?

Fri, 23 Apr 2021 02:19:00 GMT

Water damage claims are among the most common types of insurance claims, impacting 2 percent of homeowners in the United States each year. With that in mind, it’s important to understand what kind of water damage is covered by homeowners insurance in Corydon, IN.

Types of water damage

Water damage is usually either accidental and sudden, or it can be gradual. Examples of sudden water damage include flooding, sewer backup, overflow and accidental discharge. Gradual damage occurs slowly over time, typically due to lack of maintenance. Examples include leaky pipes causing structural damage, water seeping through cracks in the foundation and a leaky, deteriorating roof.

Water damage that’s covered by home insurance

Whether a particular instance of water damage is covered by homeowners insurance will depend on the source of the damage, as well as the type of policy you have. Gradual water damage is not typically covered by homeowners insurance, so it’s best to review the exact details of your policy and any exclusions it may have with your insurance advisor, agent or broker.

It’s also important to keep in mind that resulting damage is treated separately from the initial damage. While the cause of the damage might not be covered, the resulting damage could be. For example, your insurance policy might not cover broken pipes, but it does cover water damage that results from broken pipes. Understanding these subtle differences will help you get compensated for as much of the damage as possible.

How to make sure your water damage claim is approved

The best way to ensure that a future water damage claim will be approved is to be proactive. Purchase the best insurance that’s suitable for your needs, including any extra coverages that might be relevant to your situation. Make sure you understand everything that is and isn’t covered by your policy, as well as what your responsibilities are as a homeowner. Get in the habit of regularly maintaining your home. If you’re on the lookout for small repairs that can be tackled, you might be able to avoid bigger expenses further down the road. Keep detailed records of these repairs, as well as any professionals you may have hired.

If your insurance claim is denied, be sure to ask for a full explanation. You are entitled to know the exact basis of why your claim was denied, which is normally communicated in writing to inform you of the official decision. Don’t be afraid to ask questions and for clarifications. Consult your insurance agent or representative for their expertise to help you understand what options are available to you.

Do you need homeowners insurance in Corydon, IN? Harvey Sarles Insurance Agency has been serving the community for more than 30 years, providing customized policies for all the things in your life that are worth protecting. When you put your trust in us, you can have peace of mind in your insurance coverage. Contact us today to meet with us and discuss your available policy options and get a quote!

The Ultimate Guide to Home Maintenance

Wed, 31 Mar 2021 15:18:00 GMT

If you’re a homeowner, it’s important to stay on top of your ongoing maintenance so you can keep your house in good condition, maintain its property value and avoid accidentally voiding your homeowners insurance policy in Corydon, IN.

It’s always important to remember that home insurance will not cover damage that occurs as a result of lack of maintenance—it will only cover damage caused by unexpected events. You can’t expect insurance to cover repairs to your house that wouldn’t have been necessary if you had performed basic preventative maintenance.

Here’s a quick example of some of the steps you can take to maintain your home so you can avoid troubles with insurance if something happens down the road:

For more information about some of the basic home maintenance steps you can take to keep your home in good condition and maintain your home insurance coverage in 47112, contact Harvey Sarles Insurance Agency today.

What to Know About Distracted Driving Awareness Month and Your Insurance Policy

Wed, 17 Mar 2021 15:18:00 GMT

April is Distracted Driving Awareness Month, so we wanted to spend a bit of time today discussing distracted driving, its dangers and its effects.

Here’s an overview of what you should know, and if you’re thinking of securing life insurance in 47112 to protect yourself and your family, reach out to Harvey Sarles Insurance Agency today.

A widespread issue

Distracted driving is one of the most dangerous driving behaviors, right up there with driving while under the influence of drugs or alcohol.

The proliferation of mobile devices, particularly smartphones, has led to an epidemic of sorts with regard to distracted driving. Hundreds of thousands of people are injured in accidents caused by distracted drivers each year, and thousands are killed, according to the yearly data released by the National Highway Traffic Safety Administration.

While other types of poor and dangerous driving behaviors have been around since the dawn of motor vehicles (speeding, alcohol consumption and driving, failure to obey traffic signals, failure to yield), distracted driving is a relatively new dangerous behavior, at least to its current extent. While there have always been potential distractions for drivers, only relatively recently has nearly every single driver on the road had a smartphone in their pocket, in their purse or on the seat or console next to them.

Effects on insurance

If you cause an accident while distracted, you can bet there will be some significant effects on your premiums. Depending on the state in which you live, you might see your annual premiums soar by hundreds of dollars if you’re found to have been distracted while driving.

It’s expected that these premium penalties will only continue to grow, especially if the number of accidents caused by distracted drivers continues to increase, driving up injuries and fatalities.

There are already those who claim driving while distracted is just as dangerous as driving while drunk, and the effects of a DUI on insurance rates are significant. You might see your insurance premiums go up by over a thousand dollars after a DUI, significantly more than if you are caught driving while distracted. If the research continues to point to driving while distracted being just as dangerous, it stands to reason that the penalties for distracted driving will only grow more severe over time.

Where penalties are the stiffest

Every state sets its own rules for distracted driving penalties on insurance premiums. Here are the 10 states that are the toughest on distracted drivers, and the percentages by which premiums in those states will rise upon a distracted driving citation.

If you or a loved one have been injured or killed in an accident caused by a negligent, distracted driver, it is important that you take the proper steps to recover money from your losses. This includes filing a claim with your insurance provider or the other driver’s insurance provider. It’s also important to have a life insurance policy that protects your loved ones. For more information about how to proceed, contact Harvey Sarles Insurance Agency in 47112.

How to Financially Prepare Your Family for the Worst-Case Scenario

Fri, 05 Mar 2021 22:56:00 GMT

When your husband or wife is dying in Corydon, IN, one of the last things you want to deal with is how you’ll support yourself and your family afterward. If you’re the family breadwinner, it’s important that you provide for your family by investing in a life insurance policy.

At least 40 percent of Americans do not have a life insurance policy, and when surveyed, the reason is usually that they assume it’s too expensive. Depending on the type of policy you choose, however, you could pay less than $50 per month. That’s a small price to pay to financially prepare your family for the worst-case scenario.

Here’s a brief overview of how to select your life insurance policy. The best way to do so is to talk to your insurance agent about what they offer.

Decide on the right amount of coverage

How much money do you make per year? The normal rule of thumb is to buy coverage for about 10 to 20 times the amount you make. If you get life insurance through your employer, it might not cover that full amount, nor are these policies usually portable, meaning if you quit your job, you’ll need to find another plan elsewhere.

One way to deal with this is to get a plan outside your employer. If you have a financial planner, talk to them about what they recommend for your needs and expenses.

Consider your expenses

Speaking of expenses, you need to take those into account when selecting a life insurance policy. Do you want to make sure the house or the cars are paid off? Do you want to send your children to college? Make sure that the life insurance amount covers not only unexpected funeral expenses, but these major expenses plus enough for your spouse and children to live on after you’re gone. You might not need to set them up for life, but at least make sure they can fend for themselves for a few months to a year—especially if you are to die earlier than expected.

This is another good time to talk to your financial planner. They can help you make a plan so your family is well provided for in case the unimaginable happens.

Be financially savvy

Finally, make sure that you understand what kind of plan you’re signing up for, and how the costs might change as you get older. Know the difference between term life insurance and whole life insurance, and how that will affect your family. You should ask both your insurance agent and your financial planner what to expect, and take that into account when budgeting and planning for the future.

Leaving your family behind—especially at a young age—is unimaginable, but it happens every day. Getting life insurance for your husband or wife in Corydon, IN is one way to ensure that everyone is taken care of during their time of grief. Call Harvey Sarles Insurance Agency today to talk about life insurance plans.

Why You Should Buy Life Insurance

Fri, 19 Feb 2021 22:56:00 GMT

You can never quite predict what the future holds, which is why buying life insurance is a good idea. If you can’t be there for your family, you can at least ensure that they’re taken care of after your death. Life insurance can help you prepare for the unexpected death of your spouse in Corydon, IN—no matter how old you are, having a safety net is always a good idea. Here are the reasons you should invest in life insurance now, and the types of plans available.

Why invest in life insurance?

Taking out a life insurance policy offers several key benefits, including:

Types of life insurance plans

There are two main types of life insurance policies: term life and whole life insurance. Term life insurance provides coverage for a fixed period of time, usually in decade-long increments. If you get it early, you can lock in a cheaper rate for the rest of your life. This is generally considered the simplest and least expensive way to provide for your family after your death. The premiums might increase a bit as you age, but it should be cheaper on the whole.

Whole life insurance lasts for your entire lifetime, and has savings associated with it. The cash can either be invested or borrowed during the policy holder’s lifetime, so it’s possible that your beneficiaries could end up with a significant chunk of money when you pass away.

Deciding which type of life insurance policy is right for you depends on your individual circumstances. Talking to your insurance agent can help you prepare for the financial shock of a dead husband or wife in Corydon, IN. Call Harvey Sarles Insurance Agency today to learn more.

How Do You Know if You Need New Tires?

Tue, 09 Feb 2021 16:53:00 GMT

Today’s tires are designed to last for many thousands of miles before they need to be replaced. And, as long as you keep them properly inflated and have them rotated every few thousand miles, they may last for up to 10 years. But eventually, the day will come when it’s time for a new set.

The good news is that there are a lot of indicators that your car needs some “new shoes.” How do you know if you need new tires in Corydon, IN? Read on to find out.

Tread wear

Tire tread plays a crucial role in helping your tires grip the road and keeping you safe on your daily commute. That deep tread will wear down over time, and when it does, you’ll need to invest in new tires. You can check the tread depth yourself by using the penny test. Take a penny and place Lincoln’s head face down in the tire tread. If his whole head is sticking out from the tread, it’s time for new tires.

Many tires come with a tread warranty that guarantees excellent tire condition up to a certain date or mileage point. If your tires have passed that warranty, it’s a good idea to replace them even if they don’t look like they’re in bad shape.

Uneven wear

Tire tread might not wear down evenly across all four tires. This may happen for a few different reasons, including improper inflation or alignment issues. Even if only one or two tires are showing tread wear, you should have all four tires replaced. You can avoid uneven wear in the future by having your tires rotated every 3,000 miles and keeping them at the recommended inflation level.

Cracked or bulging sidewalls

Another way to tell if you need new tires in Corydon, IN is if there are any issues with the sidewalls. A tire’s sidewalls will get thinner over time, and this process is sped up while driving on rough roads or in nasty conditions. If you notice cracks or gouges in the sidewall, the tires are unfit for use and may even blow out while you’re driving. Don’t risk getting in an accident—replace those tires as soon as possible.

If the sidewalls aren’t cracked, they may be bulging or blistering outward. Just like the cracks, these malformations are signs that the tire is weakened and could blow out at any moment.

Shaking vehicle

Another indication that you need new tires in Corydon, IN might not come from looking at your tires, but instead appears while you’re driving. If your vehicle shakes or rattles even on smooth roads, your tires are probably due for replacement. While this often means the interior of the tire is worn, shaking could also indicate that there’s an alignment or tire balance problem. Bring your vehicle to a mechanic for a full inspection to determine the root of the shaking.

Stay safe by calling Harvey Sarles Insurance Agency

In addition to replacing your tires, be sure that you have active auto insurance. Contact our professionals today to get a new auto insurance quote or to learn more about how to know if you need new tires in Corydon, IN.

How to Prepare for Winter Driving

Tue, 26 Jan 2021 16:52:00 GMT

Icy roads, heavy snowfall and whipping winds are just part of what makes winter the most dangerous season to be behind the wheel. Not to mention the fact that other drivers might not know how to drive in poor conditions! Although we can’t prevent other drivers from making mistakes, this post will teach you how to prepare for winter driving in Corydon, IN.

Tires

Bad or unprepared tires are a leading cause of winter road accidents and slide-offs. To ensure you stay on the road and are able to come to a stop quickly, you’ll need to prep your tires for the season. Talk to your mechanic about upgrading to all-season tires or swapping your current tires out for winter tires.

You’ll also need to keep an eye on your tire pressure, as underinflated tires perform poorly on the roads. We recommend checking your tire pressure on cold mornings to ensure they’re properly inflated for your commute.

Electrical system

The battery, alternator and cable connections can all take a beating in the winter months. Since cold temperatures can quickly drain energy from your battery, it’s not a bad idea to have it replaced before winter weather sets in. If you don’t want to replace it, at least have it checked to ensure it’ll hold a charge through the season.

To fully prepare for winter driving in Corydon, IN, it’s a good idea to clean your battery connectors and terminals if you’re not getting a new battery. Although your mechanic can also perform this task, you can easily do it yourself by scrubbing the terminals with a mixture of water and baking soda.

Engine coolant

Your engine’s coolant is essential for keeping your vehicle running at peak performance and preventing it from overheating. The start of winter is a great time to check your coolant levels and top off the reservoir. While filling up the coolant, make sure there aren’t any loose clamps or cracks in the hoses that could lead to leaks later in the season.

We advise bringing your vehicle to a mechanic to perform this service. A professional can perform a full inspection and double-check that everything looks the way it should.

Windshield

Our last tip on how to prepare for winter driving in Corydon, IN is to care for your windshield and windshield wipers. Be sure to fill up your windshield washer reservoir with fluid that’s designed for cold temperatures—you don’t want the fluid to freeze on cold days. Now is also a great time to replace your old wipers, as the rubber tends to crack throughout the year.

Make sure your windshield doesn’t have any cracks in it. Even the smallest cracks or chips can compromise your windshield’s integrity, and the issue will only get worse as the season goes on. You may be able to have small cracks repaired. Otherwise, you’ll need to replace the entire windshield.

Is your vehicle properly insured?

Having adequate car insurance is obviously essential throughout the year. However, one could argue that it’s most important in the winter months, when the risk of accidents is higher. As you prepare for winter driving in Corydon, IN, consider calling the team at Harvey Sarles Insurance Agency to discuss your current plan and get a new car insurance quote.

Attention, Bar Owners: What Is Liquor License Liability?

Thu, 07 Jan 2021 01:51:00 GMT

If you’re a bar owner, relying on your general liability insurance policy isn’t enough. Liquor liability insurance in Corydon, IN can either be added to your general liability insurance, or purchased separately—but as a business that makes a profit from selling alcohol, you shouldn’t skip it.

What is liquor license liability insurance?

Any business that manufactures, sells, distributes, serves or supplies liquor to others needs to get a liquor liability policy. This type of policy helps cover medical bills, legal fees or settlements. As a bar owner, you probably know that you’re obligated to stop serving anyone who appears to be intoxicated and getting ready to drive home. If you or your employees don’t take action to stop that from happening, you may be held liable.

For example, if an intoxicated person was served at your bar, drives home and kills someone, it’s possible that you could be held responsible—even though it was their own bad decision. As a liquor provider, you have a special responsibility to your customers and the people they could injure.

Having liquor liability insurance protects you from the massive bills that can arise from civil lawsuits. In some areas, liquor liability insurance is required before you can be issued a liquor license—be sure to check the laws in your state and county.

How to mitigate your risk

In addition to purchasing a suitable liquor liability insurance policy in Corydon, IN, there are a few other things you can do to mitigate the risks you take when alcohol is involved:

If you need a liquor license liability policy in Corydon, IN, the team at Harvey Sarles Insurance Agency can help. Call us today to get started with a consultation. We look forward to assisting you!

What You Should Know About Life Insurance

Thu, 24 Dec 2020 01:51:00 GMT

Life insurance is one important way to provide for your family when you can no longer do so yourself. If your family relies on your income to survive, investing in life insurance in Corydon, IN is the smart, kind way to ensure that they won’t struggle with unexpected bills and other consequences. Make sure your loved ones have everything they need to continue on by investing in life insurance. Here’s an overview of everything you need to know:

When you’re ready to purchase a life insurance policy in Corydon, IN , look no further than Harvey Sarles Insurance Agency. Reach out to us today to get a quote.

Tips for Sharing the Road with Bicyclists

Fri, 04 Dec 2020 00:12:00 GMT

Bicycles provide great opportunities for recreation, commuting and exercise, but sharing the road can create some concerns for drivers and cyclists alike. Whether you live in a high-traffic area or a rural neighborhood, it’s important to make sure you know how to safely share the road with cyclists.

How to safely share the road with bicyclists in Corydon, IN

Safely sharing the road with bicyclists is incredibly important for everyone, but it can be difficult for many drivers to know how to safely navigate the road while also making room for cyclists. Thankfully, there are some simple tips that can make it much easier to share the road with people who are riding their bicycles. Here are some of the best ways to drive safely when there are cyclists on the road:

Auto insurance policies

When sharing the road with bicyclists in Corydon, IN, it’s important to make sure you’re being safe, and having a good auto insurance policy is an important way to protect yourself and others. If you’re looking for quality insurance options that will keep you protected, reach out to Harvey Sarles Insurance Agency. For years, our team has been committed to helping our clients find the policies that are right for them. If you have any questions about auto insurance, reach out to our team of experts today. We look forward to working with you soon!

Getting Your RV Ready to Travel

Fri, 20 Nov 2020 00:12:00 GMT

RVs provide people with the freedom to travel virtually anywhere across the country without worrying about finding a new hotel to stay in every night. Whether you’ve been an avid RV traveler for many years or you’ve just purchased your first RV, it’s important to take some steps to make sure your vehicle is ready for travel.

How to get your RV ready for the road in Corydon, IN

Getting your RV ready for the road is essential to ensuring your trip goes as smoothly as possible. Investing a little bit of time into preparation is a great way to make sure you have the best possible experience on your next RV road trip. Follow this basic RV checklist before your trip from Corydon, IN to make sure you’re ready to hit the road:

RV checklist before a trip in Corydon, IN

One of the most important things to do before an RV trip is to make sure you’re covered with a good RV insurance policy . At Harvey Sarles Insurance Agency, we know how important it is to have good insurance, and we are here to make sure our clients find the policies that meet their unique needs. No matter what kind of coverage you’re looking for, our team is here to match you with the perfect policy. Find out more about our coverage options and get started with an insurance consultation by giving us a call today.

How to Winterize Your Boat

Sat, 07 Nov 2020 04:53:00 GMT

When it comes to boats, some of the most common problems our insurance agency in Corydon, IN, sees are related to improper upkeep. One of the best ways to protect your investment all year long is to properly winterize it, so it does not sustain any damage during the offseason. Winterizing your boat should be a part of your yearly routine as a boat owner, and it is important you understand how to accomplish it efficiently and effectively.

Here are the most important steps for you to take when winterizing your boat this fall.

You’ll note that a lot of the items on this list have to do with removing water from the system. This is because even when your boat is out during the offseason, there’s still the possibility that water can wreak havoc on it!

Water that remains behind can result in mold or mildew forming. The more mold and mildew that spreads, the more likely it is to cause structural problems that could cripple your boat’s integrity. At the very least, it will be a massive pain for you to have to clean and sanitize before you take it back out on the water next season.

Throughout all of this, it is important that you pay particular attention to the engine, the fuel systems and the plumbing systems, as well as any other systems that can hold water. These are the areas that are most likely to cause damage to your boat.

Interested in learning more about the steps you can take to winterize your boat and get it ready for the offseason? Contact our insurance agency in Corydon, IN. Proper winterization ensures your insurance will continue to provide you with the coverage you need.

Tips for Making Sure Your Motorcycle Tires Are Safe to Ride

Thu, 22 Oct 2020 04:53:00 GMT

When you’re on a motorcycle, your tires are all that stand between you and the pavement. While you’re likely to spend more time focused on other aspects of motorcycle maintenance, it’s still important that you routinely inspect the condition of your tires and do everything possible to ensure they remain safe for when you hit the road. Otherwise, you might be making a hasty call to your insurance agency in Corydon, IN—or worse, end up with a nasty injury!

Here are just a few tips for making sure your motorcycle tires are safe.

Keeping your motorcycle tires in good condition will ensure that your bike is safe for riding, minimizing the risk of accidents and injuries. Want to learn more about motorcycle maintenance and how motorcycle safety affects insurance rates? Contact our insurance agency in Corydon, IN!

Child Passenger Safety Tips

Mon, 05 Oct 2020 23:12:00 GMT

Having and/or raising a child is one of the most gratifying (and exhausting) experiences a human being can have. If you’ve recently had a new addition to your family, or already have smaller children, then it’s important to know how to safely transport them in a car. Children’s safety requirements in the car change as they get older and grow, so it’s important to remember that what’s true for them today might not be true tomorrow. As a caretaker, it’s up to you to stay abreast of standards. Keeping child passengers safe in Corydon, IN is really just a matter of research and common sense in observing best practices.

Babies

If you’ve ever driven home from the hospital with a baby strapped in the back, you probably felt your driving habits change almost overnight. You’re probably far more cautious now, which is one of the most obvious ways for how you can keep child passengers safe in Corydon, IN, but there are other standards you need to observe as well. Children up to a year old should always be in rear-facing seats, for example. All infant-specific car seats will only allow for that, but if you have a convertible car seat, it’s adjustable as the child grows and should still be set to be rear-facing for at least the first year of life, if not longer.

Toddlers

As your child ages, you want to keep them in a rear-facing seat for as long as possible. Proper car seat protocol is vital to keeping child passengers safe in Corydon, IN, and smaller children will always benefit from being in seats oriented like this until they reach the manufacturer’s weight and/or height limit. Once your child hits this size, he or she will then be ready for a forward-facing seat with a harness and tether. All 50 U.S. states mandate that children be restrained while in cars, so be sure you’re selecting a seat that’s right for your kid’s size and age.

Older children

Starting at around the age of four, a child will be ready for a more advanced front-facing seat. If you’re wondering if your child is in a properly fitted seat, the manufacturer’s manuals and standards will once again be your best resource. Once a kid outgrows this type of car seat, it’s time to migrate to a booster seat (usually around seven years old or so).

After a booster seat comes the big step: the actual seat of the car! Make sure at this stage that all belts are snug and secure—shoulder belts should be across the shoulder/chest, not the neck, and the lap belt should be on the upper thighs rather than the stomach.

When it comes to keeping child passengers safe in Corydon, IN, the trick is to always follow manufacturer recommendations on car seats and to stay up to date on changing rules and regulations. Another great way to help ensure their safety is to make certain that your auto insurance is always up to date, and that you regularly review policies with your agent to make sure you’re still on the right track. Call our team at the Harvey Sarles Insurance Agency today to set up an appointment!

Five Safety Tips for Riding Your Motorcycle at Night

Mon, 21 Sep 2020 23:12:00 GMT

Riding a motorcycle is one of the most liberating and free experiences many people ever get the chance to enjoy. All of this freedom and control can come with a lot of responsibility, however—motorcycles can be notoriously dangerous when operated unsafely. Beyond that, a lot can happen to motorcyclists that’s outside of their control, especially given that other drivers on the road simply have trouble spotting them. Luckily, there are some simple tips you can follow for riding your motorcycle at night in Corydon, IN to keep yourself safe and enjoying the road:

When customers ask us how they can ride their motorcycles at night in Corydon, IN in a safe manner, there are other tips we can offer besides the quick ones outlined above. One of the other ways you can prepare for the worst is by being certain your insurance is up to date and at appropriate coverage levels . The Harvey Sarles Insurance Agency can help you navigate those decisions—give our team a call today to learn more!

Don’t Get Distracted While Driving

Thu, 03 Sep 2020 23:50:00 GMT

Driver distraction is one of the leading causes of car accidents, whether that stems from talking on the phone, looking at the radio or simply zoning out while you’re on the road. When you get behind the wheel, you owe it to the other drivers on the road to drive as safely as possible. Otherwise, you could be in one of the distracted driving accidents that happen every 1.25 minutes.

Here are the top causes of distracted driving, and how not to be distracted while driving in Corydon, IN:

When you’re involved in a distracted driving incident, it’s important that you have a great car insurance plan. If you’re found at fault, you could be liable for significant damages—and if you’re the injured party, you’ll need a policy that can cover your expenses in case the other driver’s insurance isn’t sufficient.

Talk to an agent at Harvey Sarles Insurance Agency today about your auto insurance policies—and be sure to avoid the above driving distractions in Corydon, IN!

Tips on Portable Generator Safety

Thu, 20 Aug 2020 23:50:00 GMT

If your area is prone to storms, blackouts and other occasions where you frequently lose power, having a portable generator on hand is a smart idea. Now that more of us are working from home, losing power can be a frustrating and costly experience. Add to that the fact that portable generators can also help power medical equipment, HVAC systems and other necessary technology during an extended outage, and their importance becomes all the more clear.

However, portable generators can be dangerous. The last thing you want is to take a trip to the ER or see your home damaged by your portable generator. Read on to learn about portable generator dangers and how to operate your generator safely in Corydon, IN:

When it comes to home and life insurance, safe operation of portable generators in Corydon, IN can ensure that you don’t need to collect on a policy prematurely. Electrical appliances are notorious for starting fires and causing injury, so you can never be too careful. Make sure to read your generator’s owner’s manual cover to cover before operating, and get professional help with installation, maintenance and repair.

If you’re looking for health, home, life, farm and other types of insurance, Harvey Sarles Insurance Agency can help you find the perfect policies. We offer a variety of insurance types— call us today to get a quote !

Can I Expect Actual Cash Value or a Replacement Cost Settlement for My Roof?

Mon, 10 Aug 2020 23:02:00 GMT

Traditionally, homeowners insurance included full replacement value coverage for portions of your home such as your roof. However, many insurance companies have changed this clause in their policies, and now homeowners can only expect actual cash value if something happens to their roof. When it comes to roof claims in Corydon, IN, it’s vital to familiarize yourself with your policy and feel comfortable asking your insurance agent questions when you’re unclear.

Actual cash value vs. replacement cost value

When a natural disaster happens, we receive many questions pertaining to how roof claims work in Corydon, IN. The most important aspect of your homeowners policy regarding your roof is whether you have actual cash value (ACV) or replacement cost value (RCV) coverage.

If your policy stipulates ACV coverage, then your insurance will only pay for what your roof cost when you file your claim. A roof’s age and overall condition is taken into consideration when determining the ACV. This is to ascertain how much it has depreciated since it was originally installed.

RCV coverage on your homeowners policy means your insurance covers the entire cost of replacing your roof, not including your deductible. Policies with RCV coverage have higher premiums than ACV ones, and for good reason. RCV policies provide the coverage you need should something happen to your home.

For example, let’s say you have a $1,000 deductible and your $15,000 roof has depreciated by $1,000 every year since it was installed a decade ago. After a horrific hail storm, your roof requires work totaling $15,000. With an RCV policy, you would only pay that $1,000 deductible. However, an ACV policy would require you to pay $11,000 out of pocket.

Which option makes sense for you?

No two homes are the same, which means the only way to properly determine what type of homeowners insurance makes the most sense for your family is to speak with an experienced insurance agent, such as those at the Harvey Sarles Insurance Agency.

However, if your home is older, you’ll want to make the investment into a policy with RCV valuation methods. Newer homes or homes with newer roofs usually have the coverage required with insurance policies that include an ACV valuation method.

Why do people choose ACV policies?

It seems that a homeowners policy that includes RCV coverage is the best choice, but many argue that the savings on premiums with policies that have ACV coverage are enough to cover the costs of significant roof damage when the unthinkable occurs. Ultimately, homeowners policies are not one size fits all, and that’s why you should work with an insurance agency that understands you and your needs.

It’s not uncommon for people to call us to ask how roof claims work in Corydon, IN. For over 30 years, the community has trusted our team to help them with their roof claims, homeowners policies and everything else related to insurance. Get in touch with us today to discuss updating your existing policy or setting up a brand-new one for your home or vehicle.

Is My New Car Covered When I Drive Off the Lot if I Already Have Auto Insurance?

Mon, 27 Jul 2020 23:02:00 GMT

Whether you are out car shopping after months of thoughtful consideration or just on a whim, you may find yourself in a position where you are trading in your vehicle for a new one. In the excitement of getting a new car, perhaps it slipped your mind to figure out the details pertaining to your auto insurance. Replacement coverage in Corydon, IN is much easier to manage than many people expect, though.

If you can, call beforehand

Many people know ahead of time when they are going to purchase a new vehicle. If that is the case for you, call us about new car coverage in Corydon, IN today. Before you head to the dealership, get in touch with the Harvey Sarles Insurance Agency or your insurance provider to discuss your upcoming purchase so you are prepared before you drive off the lot.

If you already know exactly what car you are purchasing, call your insurance agent with the vehicle identification number (VIN) and the purchase price. Your agent can get you covered before you leave the dealership with your brand-new vehicle.

You can also review your policy before you go to buy a new car to learn about the kind of coverage available. These details will be included with the paperwork provided about your policy so you know exactly how your new car is protected before you update your insurance.

Four-day grace period

We, along with many other insurance companies, provide a grace period for people who purchase new vehicles. This means you are provided with automatic coverage for a new vehicle equal to the broadest coverage you have on current cars or trucks. For a period of four days (this varies), you have insurance coverage until you get in touch with your agent to make necessary adjustments.

However, you should be aware that your coverage is only as good as what you had previously. That means the coverage that was enough for an older model vehicle might not cover everything for your brand-new car or truck. This is particularly important for those who only own one car.

If you own multiple vehicles, your new car will have the greatest level of coverage provided to any other automobile on your policy. So, if you bought a new car last year for your spouse, you would have a few days of coverage that’s as good as what you have for that vehicle.

First cars

The grace period does not apply to those who have never needed auto insurance coverage. In fact, new drivers buying their first cars or trucks need to get in touch with an insurance agent prior to making their purchase. Skipping this step puts you at serious risk should you get into a collision before you have coverage. Instead, just call us about new car coverage in Corydon, IN today.

You have many insurance options. Our clients come to the Harvey Sarles Insurance Agency because they trust us to find the right policies for them. If you’re in need of replacement coverage in Corydon, IN for your new car or truck, contact us now.

My Roof Is Leaking After a Storm—What Should I Do?

Wed, 01 Jul 2020 21:40:00 GMT

If you have leaks coming into your home through your roof after a recent storm, it’s important to take prompt action to resolve the issue. This means not only making the repairs, but also contacting your insurance company if the problem is significant enough that you’ll need to file a claim on your homeowners insurance policy in Corydon, IN.

Roof leaks can cause significant damage to your home if left unchecked, requiring extremely expensive repairs. Here’s what you should know about dealing with insurance after noticing a storm damage-related roof leak.

Will water damage be covered?

In most cases, homeowners insurance policies will cover roof leaks and water damage, unless they are caused by gross negligence. If, for example, your roof had already been in poor condition and you failed to take proper action to repair it, you might not be able to be covered, as homeowners insurance will not cover preventable property damage.

The big issue, then, is determining if there’s any feasible way you could have prevented the leak from occurring. You must be able to demonstrate the leak was caused suddenly and by an unexpected occurrence. A windstorm getting serious and ripping off shingles or causing a tree branch to fall and damage your roof would certainly qualify.

When will I not be covered?

There are some circumstances in which you won’t be covered for roof leaks and water damage. If the damage is caused by sewage or drain backups, you’ll need additional roof insurance in Corydon, IN beyond your standard policy.

In addition, as mentioned above, preventable issues that cause flooding are not covered. A common example is if you have clogged rain gutters, resulting in water flowing down the sides of your home and pooling up around the foundation. This can cause water damage in your home that could have been prevented, because you failed to clean out your gutters and in so doing failed to properly maintain your property.

You should also know that any damage caused by manufacturing defects in your roofing material or errors of installation are not covered. The good news is that if you worked with a reputable roofer, you will have some guarantees on the work and warranties on the materials that will last for quite a long time after initial installation. Make sure you hold on to all of that paperwork!

Finally, flooding caused by natural disasters like hurricanes or major storms is typically excluded from homeowners insurance policies in Corydon, IN. However, you can purchase separate flood insurance policies for your home. In fact, doing so may be mandatory if you live in a government-defined floodplain. Flood insurance premiums can be expensive, so it’s important to carefully consider whether or not you actually need this coverage for your home.

For more information about the steps you should take to work with your insurance company after you’ve sustained home damage caused by a roof leak, contact Harvey Sarles Insurance Agency about roof insurance in Corydon, IN. We’ll be happy to answer your questions!

Should I Get a Rental Car Insurance Policy When Renting a Vehicle?

Wed, 17 Jun 2020 21:40:00 GMT

Whenever you rent a car, you’ll be given the option to take out a rental insurance policy on the vehicle. However, for some drivers, this policy will be entirely unnecessary, as they will have rental car coverage on their own car insurance policy in Corydon, IN, meaning taking out a rental insurance policy from the agency would amount to a redundant expense.

So, how do you know if you need this extra insurance policy when renting a vehicle? Here are some things to consider.

Check your auto insurance policy

Before renting a car, check the coverage you have on your own personal car insurance in Corydon, IN. Your policy will include liability coverage and additional coverages like comprehensive and collision. In addition, any coverage limits or deductibles that apply to your policy will also apply to your rental car usage.

Liability coverage covers another person’s medical bills or property damage if you cause an accident. Comprehensive coverage covers your own vehicle repairs if damaged by a covered peril, such as various natural disasters. Collision coverage pays repairs for your vehicle if damaged in an accident with another vehicle or object.

Carefully comb over the language of your policy and determine if the coverages you’ve selected apply to rental vehicles. Many people have rental coverage built into their policies and don’t even know it!

Check your credit card

Some people have credit cards with features that might include rental insurance coverage. If you do have extra rental insurance through your credit card provider, you would call the phone number on the back of the card to get information about your coverage options before you rent a vehicle. If the credit card offers collision coverage, you might decide against that specific coverage from the rental agency.

Typically, any coverage you get from a credit card would be secondary, meaning it’ll cover the deductible and expenses that exceed coverages from your primary auto insurance policy.

Carefully analyze the benefits of your credit card before you take out rental car coverage in Corydon, IN, and if you can’t find information about what features your card provides, you can always call the insurance provider and speak to a customer service representative for assistance.

When to get rental insurance

There are some circumstances in which it actually does make sense to take out a rental insurance policy from the agency. If you don’t have auto insurance at all, you’ll at least need to get liability coverage before you go on the road, as most states will require this coverage by law.

There are also circumstances in which the other coverages are beneficial. If your current auto insurance policy does not have comprehensive and collision coverage, if you want to avoid paying a high deductible or if you’re only insured under a commercial car insurance policy, these are all circumstances in which the extra coverage from a rental insurance policy may be beneficial.

For more information about taking out rental car coverage in Corydon, IN, contact Harvey Sarles Insurance Agency today.

What Is Personal Umbrella Insurance?

Sat, 13 Jun 2020 15:05:00 GMT

If you’re not sitting on millions of dollars in liquid assets, you probably can’t afford being sued for significant liability. That’s why many people choose to get a personal umbrella insurance plan in Corydon, IN. This type of insurance is designed to protect you from defense and liability costs if you are sued for something your regular insurance does not cover.

The term “umbrella” makes it sound like it might cover everything other policies do not, but it’s actually restricted to defense and liability costs that aren’t already covered by your insurance. If you’re held personally responsible for injury or property damage, this type of insurance will cover legal costs and judgments either in addition to or in lieu of other policies, and works along with your renters, auto, homeowners and even boat insurance, depending on which policies you already have. If your policies are bundled, you’ll only need one personal umbrella insurance plan in Corydon, IN to cover the rest of the potential liability.

What personal umbrella insurance covers

Umbrella insurance does not cover property damage to your own home or vehicle, nor does it protect you if someone steals your belongings, car or boat. It is simply a policy to protect you if you cause damage or injury to another person and are held personally liable. Here’s a closer look at what it covers:

These are just a few of the situations in which having a personal umbrella policy could very much come in handy. If you’re interested in learning more about umbrella plans and what they can do for you, call Harvey Sarles Insurance Agency today for a free quote. We look forward to assisting you soon.

What’s the Difference Between RV Insurance and Mobile Homeowners Insurance?

Mon, 01 Jun 2020 15:03:00 GMT

We might use the terms “RV” and “mobile home” interchangeably, but when it comes to insurance, they’re quite different. RV and mobile home insurance policies in Corydon, IN have different coverage types, specialized terms and options that set them apart. Choosing the right type for your vehicle and needs is the key to making sure you’re covered in case something unexpected happens.

RV insurance

RVs, or recreational vehicles, include pop-up campers, fifth wheels, travel trailers and motor homes. Typically, RV policies will cover collisions as well as provide comprehensive coverage and liability coverage, similar to auto insurance. If your RV can be driven independently, it must be insured, but if it’s a trailer, it may not need to be. Of course, it’s always smart to insure your camper, especially if you’ll be storing clothes, electronics and other possessions inside.

To decide which type of insurance you need, you’ll first need to determine which class your vehicle is in, and then look at policy coverage.

Class A RVs are what we think of as luxury coaches, including buses. They can be up to 75 feet long and include bathroom and dining areas and panoramic windows, and do not depend on a chassis. Some have optional “pull-out” living spaces for when the vehicle is stopped.

Class B RVs are smaller coaches, like pop-up trailers, camper vans and travel trailers. They typically do not have a cab-over setup, but they may include kitchens, water heaters, toilets and showers.

Class C RVs are fifth-wheel vehicles or cargo vans with a sleeping area over the cab.

As you can see, the term “RV” encompasses all recreational vehicles, whereas “mobile home” refers more to the Class A and B vehicles, which are designed for living in for extended periods of time.

RVs are larger than standard cars and trucks, which makes them more likely to get into accidents or cause property damage. Even if your state doesn’t require RV insurance for trailers and campers, it’s smart to get it anyway—if an accident happens, you might end up paying out of pocket for damages and replacing belongings.

RV insurance types include liability, comprehensive, accident, under- or uninsured motorists, total loss replacement, towing and roadside assistance, collision and contents insurance.

Mobile homeowners insurance

Mobile homeowners insurance in Corydon, IN is a type of RV insurance that offers coverage designed to protect your possessions as well as from accidents and other property damage. In addition to liability coverage (which is the minimum required in most states), your mobile homeowners insurance should protect the contents of your RV, which is important if you’re going to be living in it for a long period of time. Your regular homeowners insurance will usually not cover personal effects that are damaged or stolen when you’re away from your home.

In order to determine what kind of RV or mobile homeowners insurance is right for your vehicle in Corydon, IN, consult with the experts at Harvey Sarles Insurance Agency. We can tailor policies to fit your needs, and will help you decide how to get the most bang for your buck—call us today for a free quote.