Otterstedt Insurance Agency Blog | Insurance Questions Answered

Factors to Consider When Choosing an Insurance Agent for Your Business

Written on April 29, 2020.

Your business is your baby. You’ve labored hard to bring it into the world, and you don’t want to trust it to just anyone, especially when it comes to someone as important as your insurance agent. It’s essential to take the time to choose your business insurance agent carefully and with...

How Often Should I Review My Insurance Policies?

Written on April 20, 2020.

Your insurance coverage is important. You want to make sure you have the right protection and the right policies to meet your needs today. Of course, your needs are likely to change over time. That is why it’s essential to review your insurance policies. The policy you purchase in your...

Whole Life Versus Term Life Insurance

Written on March 26, 2020.

Chances are that you’ve heard a lot about the importance of life insurance. No one really likes to discuss their own mortality or how their families will get by without them. Unfortunately, it may be one of the most important conversations you’ll have to make for the sake of your...

What Type of Insurance Do You Need as a Tow Truck Company?

Written on February 28, 2020.

Tow truck companies perform valuable services for their communities. If you own a tow truck company or are considering purchasing one, tow truck insurance is a necessity. The insurance needs of tow truck companies vary significantly from one company to the next. Working with an...

How Much Homeowners Insurance Do I Need?

Written on February 25, 2020.

Homeowners insurance covers more than your home. It also includes things like your personal property and can offer protection for your savings. The types and amounts of homeowners insurance you need can vary based upon several factors. Keep these considerations in mind when choosing your...

7 Tips to Help Reduce the Risk of a Data Breach

Written on January 23, 2020.

One of the most terrifying things for all businesses today is the risk of a data breach. According to Forbes, small businesses account for 58 percent of cyber attacks, and the costs of recovering from a breach will put many small businesses out of business. In fact, 60 percent of small...

Does Home Insurance Cover Damage From Frozen Pipes?

Written on January 16, 2020.

Frozen pipes can do a real number on your home. From a total flood to massive water damage, it’s all bad news. The only worse news that could come along would be the news that your insurance refuses to pay for the damage. While this isn’t always the case, there are certain circumstances...

What Type of Insurance Do You Need for Your Recreational Needs?

Written on December 27, 2019.

As a society today, we believe in working hard and playing just as hard. We love to live out loud and outdoors. Whether your interests lean towards hunting, camping, fishing, or boating, your “toys” are investments in your recreational happiness. It’s important to protect those...

10 Winter Driving Tips for Commercial Truck Drivers

Written on December 17, 2019.

When winter arrives, commercial truck driving in the snow can become a challenge. Twenty-one percent of vehicle accidents are due to bad weather, according to the Department of Transportation. To help, below are 10 winter driving tips for truck drivers. 1. Mind Your Speed When...

Auto Insurance Claims Process: What if I’m At Fault?

Written on December 6, 2019.

Auto insurance is one of those products in life you purchase, hoping never to need. Even if you do find yourself in need of making an auto insurance claim, the process is one that is, hopefully, rare enough that no one is really an expert at filing. What many people aren’t aware of is...