We are still recovering from a rough economy and I can’t say enough how all of us are facing challenges as we enter 2011.

One of the most important things to consider with the new year is to get with your insurance agent and request a review of all your coverages. You may not know about changes in state laws or how changes in your family situation can affect your insurance coverages. You may find that you are either have too much coverage or too little. In either case, make sure you review coverages with your agent soon. It takes only a few minutes in your insurance agent’s office but can mean the difference between having coverage when you need it, or finding out too late that the loss you had is not covered.

Get peace of mind today! If you need to compare your current insurance coverage with another agent, call Doug Seide Insurance today at 480-443-1952.

Whether you need coverage at the most reasonable cost, or insurance reviews to obtain only coverages that you need, you can count on insurance agent Doug Seide to make sure you have only the coverage you need.

Sometimes insurance agents overload you with coverage you don’t need and it’s disappointing when you find out at the point of making a claim.

Doug Seide is a very careful agent and knows that you want the most coverage for your hard earned dollars. You can count on a thorough review of all your potential risks based on your life and family situation.

Call the Doug Seide Insurance Agency now for a no obligation, no pressure quote at 480-443-1952.

Have you gotten hold of a portable fire extinguisher to have in the kitchen in case a fire breaks out when cooking your holiday ham?

Did you make sure you checked the sidewalk leading to your house for any serious cracks that someone could fall from if you had heavy snowfall near your house?

There are many risks that are amplified during the holiday season. You should be aware of what could happen and that you have the necessary insurance coverage for these losses.

Quite often, it is too late, when finding out that a particular loss you incurred during the holidays is not covered. What a way to spoil your holidays!

Be sensible and check in with your insurance agency prior to the major holidays. Even if you are just calling in and asking about any future discounts in insurance premiums coming up for the new year. That is a great way to capitalize on the new programs and discounts for the new year.

We wish you a safe holiday!

For a complementarty review of your current insurance needs, call Doug Seide at 480-443-1952.

If you need good quality insurance for your home, auto and business, give Doug Seide a call. He is available at all hours and is ready to give you a competitive quote at your convenience.

Call 480-443-1952.

Besides the two things above, here are more things that affect your premium rates:

1. Ages of household residents
2. Fire sprinkler system in your home
3. Safety devices in your automobiles
4. How many automobiles you have garaged at home
5. How many of your children living at home that drive
6. How good the grades your children get at school
7. A history of little or no claims made from you or your family members
8. Participation in health clubs or health related programs
9. Year of automobiles
10. If you operate a home business

These are just some of the things that affect your insurance premium. When in doubt, contact your insurance agent and get quick review of all your coverages and let your agent know your home and auto situations so they can look for the proper insurance coverages and they will also recommend the kinds of discounts you are entitled to in the process.

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.