Who Do I Call if I Have a Claim?

If you’re like many people, you buy insurance hoping you’ll never need to file a claim. However, if the time should ever come when you do need to file a claim, it’s important that you know what to do. One of the many benefits of working with a local agency, like Otterstedt Insurance Agency, is […]

What is Replacement Cost on Contents and Building?

When buying insurance or shopping around for policies, you’ll come across many terms that might seem foreign to you. At least in the concept of buying insurance. One of those terms is “replacement cost.” You need to take the time to learn about this one because it’s an important term to understand. Whether you’re insuring […]

Does My Insurance Policy Cover HVAC Failure?

Your home’s HVAC system helps keep your family comfortable inside its walls regardless of what’s going on outside. In the summer, a properly functioning HVAC system will keep your family cool and comfortable. During the winter, it will keep you cozy and warm. When your HVAC system isn’t functioning properly, though, things can get very […]

Winter Safety Tips for Wood and Gas Burning Fireplaces

After a full day of sled riding or building a snowman with the kids or shoveling the driveway and sidewalk, there is nothing like coming out of the cold, making some hot chocolate and warming up in front of your cozy fireplace. However, your fireplace, whether it is a wood burning or a gas fireplace, […]

Will My Policy Premium Stay the Same Every Year?

Because so many things can change in a year, it’s important to review your policy annually to determine which, if any, changes you need to make in coverage. These are some of the things that can affect your policy premiums from year to year. Claims The unfortunate reality is that insurance is a business of […]

Don’t Forget to Insure That Special Gift This Holiday Season

Tis the season for gift giving. Some gifts put a much larger dent in your wallet than others. That is why it’s so important to make sure you get the right kind of insurance to help you protect your investment in costlier holiday gifts. Fortunately, there are several avenues available to you. Depending on the […]

6 Tips To Avoid Driving Distractions & Focus On The Road

Health ailments aren’t the only thing claiming lives. Studies have revealed that road-related deaths are becoming so common that they’ve reached epidemic levels. According to research, approximately 9 Americans die each day from automobile accidents. In 2016, there were more than 40,000 road deaths, and the time frame between 2014 and 2015 represented the largest […]

How to Prepare Your Business for Health Insurance Open Enrollment

Open enrollment for health insurance through the healthcare marketplace begins November 1, 2018, and lasts through December 15, 2018. Plans sold during this enrollment period go into effect on January 1, 2019. As a business owner, you can follow the same formula for open enrollment periods with plan changes going in effect at the first […]

How Does No Fault Auto Insurance Work?

The term “no-fault” when it comes to auto insurance has been somewhat misused and abused over the years. The important thing to understand is that there are only 16 states (plus Puerto Rico) that have no-fault auto insurance laws. If you do not live in Puerto Rico or one of the following states, no-fault insurance […]

Volunteering at School? Make Sure Your Properly Protected

Volunteering at your child’s school is a great way to be involved in your child’s education, get to know your child’s friends and classmates, and make an impact on the lives of students. More than anything else, it shows your children that you value their education and want to be involved in their lives. Finally, […]

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