Otterstedt Insurance Agency Blog | Insurance Questions Answered

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...

What Type of Insurance Do You Need as an Electrician?

Written on October 30, 2019.

Electricians do important work on homes and businesses of all shapes and sizes. You work in all weather conditions to help bring light and warmth to the homes of others. In addition to the hazards you face from the work you do, you also face risks from mistakes, accidents, and more. The...

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...

Snow Removal Company Liability Insurance & Contract Language

Written on September 27, 2019.

Snow removal companies are often the first line when it comes to digging out in the aftermath of snow and ice storms across the country. They are the ones called upon to get out there and remove the snow and ice, so the rest of the community can return to school, work, and business as...

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. ...

What Type of Insurance Do You Need As a Commercial Trucking Company?

Written on August 22, 2019.

Commercial trucking insurance is important coverage for an owner-operator or small business providing trucking services. Your insurance options will differ depending on the type of truck your drivers’ are driving, the goods they’re carrying, their number of years’...

What Type of Insurance Do You Need As a Pool Service Company

Written on July 26, 2019.

As a pool service company, you provide a wide range of services to enhance the outdoor livings for the families you serve. For this reason, you need to make sure you choose insurance coverage that offers sufficient protection for all the jobs you do. Jobs that may include any or...

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...