Personal Insurance Archives - Otterstedt Insurance Agency

What Does Fire Insurance Cover?

Written on October 9, 2025.

Home insurance policies cover several catastrophic risks, including fires and lightning. Most even cover wildfires. Yet you might wonder what to expect from your insurance company if your house is severely damaged, and whether your coverage is sufficient. What types of fires are...

Fall Car Care Tips

Written on September 22, 2025.

If you live in a colder region of the country, you know the toll that snow and ice can take on your car. In honor of National Car Care Month (October), follow these tips to prepare your car for the winter weather ahead. Install winter tires Winter tires provide better traction,...

Prepare Now for Hurricane Season

Written on August 29, 2025.

If you live anywhere near the East or Gulf Coast, hurricanes are a fact of life. But just because a hurricane is inevitable doesn’t mean you should be complacent. In honor of National Hurricane Preparedness Week, here are some facts you should know about hurricanes and steps to prepare...

Back-to-School Tips for Working Parents

Written on August 19, 2025.

Summer vacation often gives families more time than usual to connect. However, as the summer comes to an end, families begin to think about sending their children back to school. The return of school schedules, homework, sports and other extracurricular activities can often bump family time...

How a DUI Affects Insurance

Written on August 13, 2025.

Driving while intoxicated or under the influence of drugs is deadly and expensive. Yet it continues to happen every day across the United States. Sadly, alcohol-impaired crashes alone claim more than 11,000 lives per year in the U.S., according to the National Highway Traffic Safety...

5 Reasons To Purchase Travel Insurance

Written on August 7, 2025.

A vacation adds to your life experiences, allows you to bond with friends and family, and improves your mental health. If you’re like most Americans, you can spend thousands of dollars on a vacation when you factor in flights, hotels, car rentals, meals, souvenirs and incidentals. The...

Your Recreational Boat Needs Coverage In and Out of The Water

Written on August 4, 2025.

Many home insurance policies provide partial coverage for watercraft, but you’ll probably need specific boat insurance to fully protect your recreational boat. Most homeowners policies pay out just $1,000, or 10% of your home’s insured value, for watercraft. And they don’t...

Stay on Top of Your Tire Pressure This Winter

Written on December 6, 2023.

The weather outside is getting frightful. You’re driving, and then that dreaded orange-yellow exclamation point pops up. Yup, winter is here. Cold weather is notorious for causing drops in tire pressure. This is because the cold temperature causes gas molecules in your tires to move...

Your Back-To-School Insurance Checklist

Written on August 11, 2023.

Summer is starting to wrap up, which means one thing: Back-To-School. You and your kids are probably gearing up for the upcoming school year. Whether your child is in another year of elementary school or if it’s your first time sending your child to college, we’ve got you covered with our...

Protecting You, Always: Our Commitment to Your Peace of Mind Continues

Written on July 10, 2023.

You’ve probably noticed it. You probably read about it. You’ve probably seen it on the news. Insurance rates have been on the rise this year. The reasons for this rise in costs are several and include the following: A large increase in the number of claims for home and auto, mostly...