If you have a child who is old enough to start driving, have you talked to your insurance agent about adding another driver, specifically a “youth” driver? After our Arizona monsoon season is coming to a close, have you had your roof inspected lately to see if you need normal repairs or a complete replacement? These are just some of the things to think about as the fall season approaches.

A good rule of thumb is to get an informal insurance review once a year at minimum to make sure you have the proper coverages on both your cars and home. As mentioned in my previous posts, it is the moment of making a claim when you find out that you are not covered for a loss that you assumed was covered.

A great insurance agent is your trusted advisor, making sure that you find no “surprises” of no coverage when you thought there was. You get peace of mind with knowing you are covered for anything and everything that could possibly happen.

And, believe it or not, to add some extra coverages on your car and home is a very small price to pay for the protection you receive.

For all your Scottsdale Insurance needs, contact Doug Seide at 480-443-1952 today.

A lot of insurance agents do not take the time to clarify with an insured, in simplfied terms, what exactly is covered under their policy. Yes, they do show them page by page of the printed policy and explain the coverages, and do it quickly. But shortly after the insured leaves the office, there is no reinforcement of what they did learn about their policy. A very good insurance agent will contact the insured at regular intervals to check up on any situations that changed in the insured’s lives that could affect coverages and premium.

An outstanding insurance agent will make sure the insured has a packet that includes any and all paperwork to file a claim when the need arises. Some of the important items in this packet could be; insurance claim forms, inventory worksheets for notating all valuable personal property and their current replacement value, an envelope to hold receipts of valuable items such as jewelry appraisals, another envelope to hold either a computer disk of digital pictures of personal belongings or hard copies of pictures, a checklist that shows step by step what to do when making a claim, a master list of important phone numbers to call in case of an emergency, another envelope that holds receipts for minor and major repairs to your home, and a list showing all safety devices installed in your home.

As you can see by the extensive list we mentioned, most homeowners probably do not have anything near this. It is not too late to either contact your insurance agent to request a “claim” packet or you could even gather these lists and envelopes yourself.

Doug Seide is a certified insurance broker so he can concentrate on you, the customer’s needs. If you are located in Scottsdale or the greater Phoenix Arizona area, Doug can “shop” the absolute the best rates and coverages for you.

With over 30 years experience, Doug is surely able to make some valuable recommendations for all your insurance coverage. One of the companies he represents is Farmers Insurance Group. He is able to do a “Farmers Friendly Review” on your current coverage and make sure you are properly covered for the losses you may be subject to.

No matter what insurance you have now, Doug is able to go over and do a coverage and price comparison on all the coverages you have now. You never know if you can save money on the current type of coverage you have now!

Doug Seide can also handle your investment needs as well. Contact Doug today at 480-443-1952.

1. gotten married
2. gotten divorced
3. moved
4. bought a new car
5. given birth to a child
6. added a section to the house
7. your child’s first year driving a car
8. upgraded your alarm system
9. started a business in your house

The list can go on and on and you wouldn’t even notice that you have to alert your insurance agent with these changes.

That last thing you want to do is find out that your insurance policy does not cover a particular loss because you did not include it in a rider. Some changes can result in downsizing your premiums. Wouldn’t it be nice to take advantage of saving money just from an insurance review?

For more information on reviewing your insurance call Doug Seide Insurance at 480-443-1952.

You don’t have to have insurance with Doug in order to get an insurance review.

Whether you need auto insurance or homeowners insurance, Douglas Seide is ready to review your needs and recommend what you need and not need for all your insurance needs.

Currently, Douglas Seide serves the Scottsdale insurance and Phoenix insurance area.

So, if you are thinking about adding insurance coverage, or changing companies, it will pay you dividends to talk to Douglas Seide today!

CALL Douglas Seide at 480-443-1952.

All the activities or situations mentioned above is exposing all of us to unique risks. We could get a sports related injury playing volleyball at the park; there could be a near drowning in our backyard pool. We could trip and fall while attending our favorite arts and crafts festival. We might end up in a fender-bender with another car on the streets while starting out on our vacation.

Because of these additional risks we are putting ourselves into during the summer months, it is important to make a checklist of our important contact imformation such as our insurance agent, our AAA emergency card in case of road services we may need, medical bracelets or information to alert medical personnel that will need to know this information if we get hurt, a good contact of a close relative or friend in case of emergency. Also, when traveling, think of emergency first aid kits and maps of the travel area you will be using.

Thinking ahead to have valuable information available will greatly give you peace of mind that you are ready for anything, especially during  the summer months. We are more mobile during this season. Care must be taken when going anywhere or planning travel trips.

Lastly, make sure you are current on all insurance premiums! You don’t want to be without insurance at a time when you “forgot” or “put off” paying your premium!!

Have a safe and enjoyable summer!

For any question on insurance coverage, whether it is homeowners, auto and commercial, call Doug Seide at 480-443-1952.

Saving Money on Homeowners Insurance

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.

We found a great video that explains how to purchase homeowners insurance in “plain english.” Enjoy!

For all your insurance needs, call Doug Seide Insurance at 480-443-1952.