Personal Insurance Archives - Page 4 Of 14 - Otterstedt Insurance Agency

Expensive Gifts for Mothers and Fathers Day

Written on May 27, 2021.

It’s nice when your children are able to purchase expensive gifts for your Mother’s Day and Father’s Day festivities. These gifts are from the heart, but they also have a monetary value. For this reason, it’s important to make sure you get the right type of...

What Does My Motorcycle Insurance Cover?

Written on April 23, 2021.

Motorcycle insurance offers coverage in the event you experience motorcycle loss, accident, damage, or theft. It includes liability insurance in the event you’re responsible for another individual’s property damage or injuries. These policies offer coverage for motorcycles,...

Does My Business Insurance Cover Flood Damage?

Written on March 24, 2021.

There are many perils involved in owning a business today. For this reason, many business owners purchase various commercial insurance policies. Unfortunately, many are surprised and dismayed to learn, only after they need to file a claim, that among the perils not covered by their many...

Before You Start a Remodeling Project Contact Your Insurance Agent

Written on March 17, 2021.

If you are among those who plan to remodel your home this year, it’s essential you have the right type and amount of insurance, both during your renovation and after, according to the Insurance Information Institute. So, it’s important you contact your insurance agent before...

Is My Child Covered Under My Car Insurance For a Learners Permit

Written on February 16, 2021.

Driving is one of those pivotal moments in a child’s life. One that defines their exit from childhood toward that of being an adult. It’s an exciting time for the teenagers who have earned this privilege and are now permitted behind the wheel of a car. However, for...

Is Flood Insurance Included in Renters Insurance?

Written on January 18, 2021.

You found the ideal apartment, passed a background check with flying colors, signed your lease, and even went so far as to take out some renters insurance to ensure your belongings are covered if something were to go wrong. But, before you call it a day and get too comfortable in your new...

What is RV Insurance and When Is It Needed?

Written on December 29, 2020.

If you’re thinking about purchasing or currently own a camper or recreational vehicle (RV), you might be wondering if you require camper insurance coverage. Like vehicle insurance, RV coverage is required. Most states require underinsured or uninsured insurance, and each state requires...

What is Hazard Insurance?

Written on November 30, 2020.

When it’s time to purchase or refinance your home, you could have a lot to learn. You’ll come across various concepts and terms that might not be familiar to you, and in many cases, certain words will mean the same thing. A good example is the term “hazard insurance.” Because...

If a Neighbors Tree Falls onto Your Property, What is Covered By The Neighbor’s Insurance Policy?

Written on October 30, 2020.

Trees. They are beautiful in the spring and fall, provide valuable shade in the summer, and break the wind when winter’s worst blows bitter cold into your home. Tall trees with big branches offer perfect locations for tree houses, tire swings, and endless hours of summer fun for kids...

How Umbrella Insurance Works To Protect Your Family

Written on September 17, 2020.

Umbrella insurance is something you’ve probably heard of but may not fully understand. You may even believe it is something you don’t really need. Unfortunately, we live in a litigious society that is making it more and more difficult for people or families to manage without the financial...