Personal Insurance Archives - Page 6 Of 14 - Otterstedt Insurance Agency

Planning For The New Year? 7 Reasons Why You Need an Independent Insurance Agent

Written on November 25, 2019.

Shopping for insurance can be overwhelming, complicated, and confusing. Not only do you want to save as much money as you can on your personal insurance or business insurance policy, but you also want to ensure you’re getting the optimal coverage you, your family, or your...

Auto Insurance Claims Process: PIP Claims

Written on October 25, 2019.

While not required for drivers in all states, PIP insurance is becoming an essential form of insurance protection for drivers in many states across the country. Additionally, more states are beginning to require this specialized form of insurance to help drivers manage medical costs...

Auto Insurance Claims Process: Damage To My Car

Written on September 20, 2019.

Most people only rarely need to file insurance claims, and therefore, aren’t that knowledgeable in how to file first-party auto insurance claims. Understanding the claims process for first-party claims can help make sure you have all your ducks lined up for a more successful claims process...

Is Hurricane Damage Covered by Homeowners Insurance?

Written on August 29, 2019.

Damage from flying branches, falling trees, heavy rainfall, and flooding are some risks you face during a hurricane if you’re a homeowner. In fact, nine million homes face the risk of damage from a hurricane storm surge, according to the CoreLogic Storm Surge Report in 2018. ...

Home Insurance Claims Process

Written on July 19, 2019.

Whenever you experience a disaster or emergency in your home, it can feel like your world is crashing down around you. After all, your home is your safe harbor. And, at the time of a disaster or home emergency, it‘s in a state of disarray at that moment — leaving you feeling adrift in the...

The Tenants Guide to Renters Insurance

Written on July 1, 2019.

Renters insurance is becoming increasingly important for tenants in today’s society. Many renters fail to understand how costly it is to replace everyday essentials all at once if they become displaced due to a fire, hurricane, or another covered event. But that is only a small portion...

Why Work With an Independent Insurance Agent?

Written on May 30, 2019.

You’ve probably been told or have read that it is best to work with an independent insurance agent. But what you may not have been told is why. There are many reasons why working with an independent agent is better than working with an agent tied to a single company. Independent Agents...

What Type of Insurance Do You Need as a Rideshare Driver?

Written on April 27, 2019.

Rideshare drivers have unique insurance needs and often find out, too late, that their existing insurance coverage does not protect them if they have an accident while driving to pick up passengers or returning home after dropping passengers off. Doesn’t the Rideshare Company Provide...

What Information Do You Need to Get a Homeowners Insurance Quote?

Written on April 1, 2019.

Getting a homeowners insurance quote is usually pretty straightforward. There are, however, a few key details you’ll need to have on hand to get the right quote. Whether you’re purchasing your first home insurance policy or you’re just exploring your options, this is the information...

The Risks of Being Underinsured

Written on February 26, 2019.

You probably know by now how important it is to have insurance coverage. What you may not know, until you find yourself filing a claim, is that being underinsured on your home, auto, personal umbrella, renters, flood, or liability insurance protection can be really painful as well. In...