Over the years, we have been very fortunate to have met wonderful people, assisted successful businesses with their insurance needs, and made long lasting friendships.

As we reflect on all the years we have been helping people with their insurance needs, we find that there is nothing that can compare to the feeling we get when an insured makes a claim and we can indeed make a difference in helping them to get back to where they were before the loss occured.

For those of you who have come to this blog for the first time, please pass the word along to visit here. We plan on many new things here that will keep you interested.

As we bid farewell to 2009 and ring in 2010, we wish all our valued customers and business associates a very successful and prosperous New Year!

As we near the year end of 2009, it is a good time to think about reviewing your coverage. Ask youself, what major or minor changes have occured in your household. Did anyone move in? Did anyone move out? Did you do any home improvements? Did you buy more jewelry? Almost any type of change in your family, your family members or change in your home situation can all have an effect on your insurance coverage.

Did you know that a little change such as the youngest member of the family turning 25 years old can lower the insurance premium by a sizeable amount?

Here are some other things to think about when reviewing your current insurance coverage with your insurance agent.

• Raising your collision deductible or even cancelling collision deductible for an older vehicle in the household.
• Deleting floater coverage on  items in the house that you no longer own.
• Did you install a new fire/security alarm system in the house this year and not claim your homeowners discount?
• Did a family member finally quit smoking for good?
• Raise coverage on a specialty item that you recently purchased.
• Raise personal property coverage on added computers in the house.
• Did you make any noticeable home improvements since your last review?

These and many other situations can contribute to you saving paying more insurance premium than you have too. The most important thing to know is that you make certain you have enough insurance to cover what you may think you have.

The tragedy of many insureds is that you assume you have coverage on something or a situation that you really do not and find out that there is no coverage. If only you reviewed your coverage with your insurance agent before a loss!!

Be prepared is to be forearmed!!

Have a save and prosperous holiday!

From all of us at Doug Seide Insurance Agency.

Call Us at 480-443-1952.

I found a great video that gives you an easy to remember list of things to think about when you want to save on your insurance premium on homeowners insurance. Check out this video here.

Saving Money on Homeowners Insurance

We have 5 important tips to protect your home during the holidays.

1. Make sure you lock all doors and windows and close blinds to prevent people from looking inside your house. You want to hide view to your Christmas presents.
2. When disposing of holiday wraps and packaging, destroy all signs of product labels such as “expensive” TVs. You don’t want to “advertise” to the neigborhood of high dollar purchases.
3. Don’t forget to arm your security system, without fail when leaving the house even for a moment.
4. When any and all delivery people deliver a parcel, you have the right to ask for identification, this is a must! It could be a burglar.
5. If you plan to travel during the holiday season, make sure you have a trusted neighbor take in your newspaper deliveries and take in your daily mail. Also move the car occasionally if your car is parked outside the home.

You can never be too careful when protecting your home from burglary. Remember to be aware of your surroundings and watch for suspicious people that appear to be “out of place” in your neighborhood. They could be “staking out” your street. Be liberal with reporting suspicious activity to the police.

If you should have a burglar incident, explain all the precautions above to your insurance adjuster that you took to prevent theft and break in of your home. They will look more favorably on your claim that you took every effort to prevent an incident.

We wish you and your family a safe and fun holiday season.

For a quick, no obligation quote on your auto and homeowners insurance needs, call Doug Seide at 480-443-1952.

Make sure when you consider any insurance company, whether it is for property/casualty, auto, homeowners, commercial, that it is rating financially solvent with reputable insurance rating companies like Standard and Poors, and most importantly, AM Best & Company. You can go to the AM Best company website at http://www3.ambest.com/ratings/advanced.asp

When you get to the AM Best rating site, enter the name of the insurance company in the “text” box and click on the “search now” button. You will see how well it is rating withing their parameters. It should be a guide to help you make your purchasing decision regarding your insurance company.

AM Best is the most important rating system for insurance companies that there is. Even insurance companies insuring other insurance companies or “reinsurance companies” look to this guide before the underwriting department will even consider covering a risk.

When purchasing a car with financing, you will be required to get, at minimum, collision insurance. The finance company has the right for protection of the vehicle they are covering. Of course, they want their “property” covered while in your possession until the loan is paid off. Here is a brief video explaining the reason of mandatory collision coverage.

Auto Insurance : What Is Full Coverage Automobile Insurance?

Of course you also are required to carry liability insurance too. In our next post, we will go over some details on liability insurance.

Call 480-443-1952 and let Doug Seide give you a no obligation quote on your auto insurance.