Most Renters Don't Bother With Insurance

Most Renters Don’t Bother with Insurance:

“A recent survey of renters commissioned by Trusted Choice found that most Americans who rent their homes don’t have insurance that would cover their losses in the event of burglary, fire or other unexpected occurrences.
Trusted Choice, based in Alexandria, Va., is the consumer marketing brand for 6,000 independent insurance agencies and brokerage firms across the country. The survey of more than 2,000 adults was conducted in mid-May by ICR, an independent research firm.
Madelyn Flannagan, a spokeswoman for Trusted Choice, said the survey "uncovered a persistent lack of awareness or understanding about property and liability risks faced by renters.”
Two-thirds of those surveyed don’t have renters’ insurance. There are 35 million Americans who rent rather than own their own home, according to figures Trusted Choice obtained from the National Multifamily Council.“ from Reality Times

Identity Theft Gone in 4 Seconds

The threat of Identity Theft continues to grow with over 100 million identities compromised in 2006 alone. This represents 1 out of 3 Americans affected. Identity theft is now the number one consumer crime in America occurring three times more often than home and auto theft combined.

This video has some great tips about how to reduce the risk of ID theft

Why you may need Gap Insurance for your new car

Why you may need GAP Insurance for your new car


for more information: visit Kentucky Insurance

Formeost Insurance

What is the payment address for Foremost Insurance?

visit our Frequently Asked Questions Blog

for more information about : Kentucky Insurance

68 million Americans do not have Life Insurance

“A recent survey indicates that 68 million Americans have no life insurance and those with coverage have far less than most experts recommend to ensure a secure financial future for their families. In fact, ownership of life insurance has been declining for decades and the impact is being felt in very human terms today. When a loved one dies without adequate life insurance coverage, surviving family members often face very difficult financial consequences like having to work additional jobs or longer hours, borrow money from friends and family, move to smaller, less expensive housing, or put plans for a child’s education on hold.
With so many Americans in a financially vulnerable situation today, the life insurance industry has created a month-long public awareness campaign aimed at encouraging the public to take stock of their life insurance needs. Life Insurance Awareness Month (LIAM) is an industry-wide effort coordinated by the nonprofit Life and Health Insurance Foundation for Education (LIFE)…

FINALLY!” SAYS FIDO, “A CAR INSURANCE COMPANY THAT GETS IT”

from Progressive Insurance :
““FINALLY!” SAYS FIDO, “A CAR INSURANCE COMPANY THAT GETS IT”

Dogs and Cats Everywhere Jump for Joy as Progressive Introduces Pet Injury Coverage,
Included At No Extra Charge For Customers With Collision Coverage

MAYFIELD VILLAGE, Ohio (Sept. 10, 2007) – If you’re like most of us, nothing gets your tail wagging faster than hitting the open road with your “master” at the wheel and you in the passenger seat, the windows rolled down, the wind in your fur.

But does it ever get stuck in your paw – I mean craw – to think that if something happens and this fancy metal cage with the four donut-shaped rubber chew toys that you’re riding in slams into something (your master would call this a “car accident”), your master’s car insurance policy would cover everyone in the car…except YOU?

Well, finally, there’s one car insurance company that is stepping up and giving man’s best friend the stature we’re due. The Progressive Group of Insurance Companies announced that it’s gone to the dogs – and cats. In most states, a Progressive policy with Collision coverage will now cover its customers’ canine and feline four-legged family members.” (specific limits apply check your own policy for specific coverages)

Progressive Insurance Commercial

Call us today we represent Progressive Insurance
Dick Watts Insurance 502-245-3625

Hurricane Season 5 Tips to Protect Yourself

Hurricane Season: Five Tips to Protect Yourself, Your Family and Your Property

The 2007 hurricane season, which starts June 1 and runs through November 30, is expected to be an active one. London-based forecaster Tropical Storm Risk, predicts that there is an 86 percent probability that hurricane activity in 2007 will be in the top one-third of years historically. Colorado State University forecasters William Gray and Philip Klotzbach predict that there will be 13 named storms, four more than the average, with four major hurricanes and eight lesser ones. Experts at the NOAA Climate Prediction Center are projecting a 75 percent chance that the Atlantic Hurricane Season will be above normal this year—suggesting that more active and intense hurricane seasons will continue to be the trend….. 

First Party Pet Insurance from Progressive

Progressive Insurance offers First Party Pet Coverage,
If you have collision insurance with Progressive Insurance, they are now offering coverage for your pet who may injured in a covered accident. The Pet Coverage will cover Veterinary Expenses incurred as a result of accident related injuries to your cat or dog while in a covered vehicle. Specific limits may apply.
Call Dick Watts Insurance for a free Kentucky Car Insurance Quote 502-245-3625

Call us today to find out about First Party Pet Insurance Coverage from Progressive

(disclaimer: Every insurance policy is different, consult your own insurance policy for exact coverages and deductibles)

Why Term Life Insurance

Why Term Life Insurance Kentucky?

• It can provide a large amount of protectoin at a lower cost than permanent insurance.
• You decide how long the coverage is needed and purchas the term length that best suits your needs.
• It gives you peace of mind that your outstanding financial obligations will be met in the event of your untimely death .
• Its perfect for mortgage protection, families with young children or business owners seeking coverage for key employees

call Mike Watts at Dick Watts Insurance for Free Term Life Insurance QUOTE
502-245-3625

Term LifeInsurance

Middletown KY Adds Clock

Middletown, KY Adds Clock as part of Street Improvement
“A new town clock is up in Middletown just ahead of the city’s Milestone Festival, which is Sept. 7-8.

The clock, on Main Street near City Hall, chimes on the hour and also plays patriotic music twice a day, at noon and 5 p.m., Mayor Byron Chapman said.

The clock cost Middletown $24,000, he said. It is part of the city’s ongoing Main Street improvement project.

"The people that have seen it have enjoyed it and told me how pretty and nice it looks,” he said.“ from the Courier Journal

The Middletown Milestone Festival is scheduled for Sept 7th and Sept 8th Middletown, KY

RV owners may not have right insurance coverage

from Progressive Insurance Survey Says RV Owners may not have right insurance coverage

“If you bought a tractor-trailer or an airplane, you probably wouldn’t put either on your car insurance policy, since both are specialty vehicles and require specialized coverages and claims handling, right?
Then why, when asked, do more than half of RVers surveyed report having added their RV to their car insurance policy?
“We don’t know why, but we do know why they shouldn’t,” said Cathy Pelfrey, RV product manager, The Progressive Group of Insurance Companies, a leading seller of RV insurance in the U.S. “There are vast differences in coverage and services available from companies that specialize in recreational vehicle insurance that owners need to be aware of – we recommend they check with a local independent insurance agent or do research online to find out what’s available so they can make the decisions that are right for them.”
For example, what if…
Your RV breaks down on a trip?
While a lot of car insurance policies offer Roadside Assistance, your policy may not offer it for your RV. And, even if it covers some roadside expenses for RVs, it may not cover them all. For instance, it may pay for towing but only up to the amount it would typically cost to tow a car; RV tows can cost three times more, which means out-of-pocket expenses you’ll be responsible for paying.
Specialty insurers will generally also offer “emergency expense” coverage that will pay for temporary living quarters if the RV breaks down far from home. This kind of coverage will also generally cover the cost to return an RV home from a wreck or breakdown that happens more than 50 miles from home.
Your RV is stolen or totaled?
Your auto policy will likely pay Actual Cash Value (ACV) for your RV—that’s the market value as determined by third-party sources. However, most specialty insurers will offer you a choice of how you’d like this kind of claim handled. Some will offer you the choice of an agreed value settlement, that is, you and the insurance company agree, up front, what the RV is worth. If the RV is stolen or totaled, that’s the amount you’ll receive, less whatever deductible you chose when you bought the policy. Specialty insurers may also offer you Total Loss Replacement coverage that will provide you with a new RV in the event your RV that’s five years old or less is stolen or totaled. …..from Progressive Insurance
If you need an RV Insurance quote call Dick Watts Insurance, Louisville, KY 502-245-3625.

New Side Impact tests Luxury Large Cars

from the Insurance Institute for Highway Safety:

“Three of six large car models earn the top rating of good, but one is marginal in side impact crash tests conducted by the Insurance Institute for Highway Safety. Results show a range of performance in how well large cars are designed to protect people in serious side crashes.

Ratings of good, acceptable, marginal, or poor are based on a crash test in which a barrier designed to replicate the front end of a typical SUV or pickup truck strikes the tested vehicle in the side at 31 mph.

The best performers are the Acura RL, Kia Amanti, and Volvo S80, all 2007 models. The S80 also earns the Institute’s 2007 TOP SAFETY PICK award for superior overall crash protection. The S80 qualifies because it’s rated good in the Institute’s front, side, and rear tests and has electronic stability control as standard equipment. The 2007 Cadillac STS and Mercedes E class earn acceptable ratings in the latest round of side tests. The worst performer is the 2008 BMW 5 series, which earns the second lowest rating of marginal for side impact protection. All 6 cars are equipped with standard side airbags that protect the heads of people in front and rear seats.

Side impacts are the second most common fatal crash type after frontal crashes. About 9,200 people in passenger vehicles were killed in side impacts in 2005. In crashes with other passenger vehicles during 2004-05, 49 percent of driver deaths in 1-3-year-old cars and minivans occurred in side impacts, up from 31 percent in 1980-81. During the same time, the proportion of driver deaths in frontal crashes declined from 61 to 46 percent…… Read the Rest of the Article : IIHS

Survey Motorcyclists & Physical Damage Coverage

“For many motorcycle owners, riding is more than just a recreational activity, it’s a lifestyle. Riding represents freedom, friends and fun. It’s what fuels daydreams and fills weekends.
With so much fun to be had, it’s probably not surprising that riders like you aren’t spending your time poring over your insurance policy to understand coverage nuances. That’s why the Progressive Group of Insurance Companies, the largest motorcycle insurer in the country, recently conducted a survey of more than 1,000 motorcycle owners and found that many don’t understand important information about their policies. Not knowing - and making the wrong choices - can cost you thousands if you have a claim.
The survey focused on two key facets of a motorcycle insurance policy: physical damage coverages and loss settlement types. Here’s what bikers said and what you need to know.
Physical Damage Coverages
If you’re like most bikers, you’d probably say that next to riding, customizing your motorcycle to fit your personality and riding style is the best part of having a bike. That’s why it’s so surprising that more than half (56 percent) of all the bikers surveyed don’t know how much protection for their bike’s custom parts and accessories comes with their physical damage coverage. Of the 44 percent surveyed with more than $3,000 worth of custom parts and accessories on their motorcycles, the majority of them (51 percent) didn’t purchase additional coverage. …. from Progressive Insurance
Always ask your Independent Insurance Agent about specific coverage in your Insurance Policy.Every policy is different, check your policy for specific coverage

Called Dick Watts Insurance for a no obligation Motorcycle Insurance quote at 502-245-3625.

Back to School Safety

“As summer vacations come to an end, students across the country are readying themselves for the start of a new school year. With all of the excitement this time brings, safety may not be the first subject that springs to mind. The American Red Cross encourages parents to take time to talk with their children about safety before school starts.

According to the National Highway Traffic Safety Administration (NHTSA), 24 million students nationwide start their school day with a trip on the school bus. Although NHTSA reports that riding on a school bus is nearly eight times safer than riding in a passenger vehicle, an average of 11 school-aged pedestrians are killed by school transportation vehicles each year. Whether they walk, ride the bus or travel by car, teach your kids these few tips to ensure they get to and from school safely….” Sending Students Back to School Safely