Otterstedt Insurance Agency Blog | Insurance Questions Answered

Is Your Business Susceptible To a Data Breach?

Written on January 30, 2019.

Many business owners mistakenly believe their businesses are too small to attract malicious hackers and others attempting to steal information, money, and more through data breaches. Nothing could be further from the truth. Small Business Trends paints an alarming picture of the...

Who is Liable for a Slip and Fall on Ice at Your Home?

Written on January 23, 2019.

Slip and fall injuries are tricky things, legally speaking. That doesn’t mean that homeowners bear no legal responsibility, or liability, for slip and fall injuries occurring on their property. When people slip and fall on ice at your home, whether it be a guest, the mailman or a...

What is PIP Coverage?

Written on January 17, 2019.

PIP stands for personal injury protection and is an extension of your regular auto insurance. It covers medical costs and in some cases, lost wages. People often refer to it as “no-fault” coverage since it pays out claims regardless of who’s at fault for the accident. ...

Who Do I Call if I Have a Claim?

Written on January 8, 2019.

Who Do I Call if I Have an Insurance 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...

What is Replacement Cost on Contents and Building?

Written on January 3, 2019.

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...

Does My Insurance Policy Cover HVAC Failure?

Written on December 27, 2018.

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...

Winter Safety Tips for Wood and Gas Burning Fireplaces

Written on December 19, 2018.

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...

Will My Policy Premium Stay the Same Every Year?

Written on December 13, 2018.

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...

Own a Snow Plow Company? Make Sure You Have the Right Insurance

Written on November 29, 2018.

As winter begins, snow plow companies of all sizes are getting ready for work. You know the work that goes into preparing your crews for the long winter ahead involves many tasks, including: Checking equipmentPerforming routine vehicle maintenanceVerifying salt suppliesUpdating GPS...

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

Written on November 27, 2018.

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...