Farmers Insurance - Matt Metzger

Your Landlord’s insurance is only there to cover them and their property…not yours. That’s why Renters insurance is so important! It works to cover your personal possessions, personal liability, medical payments and additional living expenses. Fires, theft, weather damage…these things happen, and they’re just as likely in a rented apartment as they are in a house. If you needed another reason to consider Renters…here it is. It’s incredibly cheap! Much cheaper than other coverage types, and usually only a couple of cents a day (yes, I said “cents”). And if you add it to your other existing policies, like an Auto or Life insurance policy, you could save even more. If you really want to see just how affordable it could be, get a  Renters insurance quote  now.

Life is unpredictable, and as much as you plan, there’s always something around the bend that never crossed your worried mind. With a Personal Umbrella policy from Farmers, you’ll have additional liability limits over and above those provided by your underlying policies Umbrella Insurance Explained To get a better sense of what Umbrella insurance is and how it would work, it helps to think about it in action. Say you’re held liable for causing a car accident with multiple vehicles, and the cost to cover the damages and injuries is $650,000. However, the liability limits on your Auto policy are only $500,000. In this case, your insurance would pay only $500,000 for the entire accident, and you would be responsible for the remaining $150,000 out of your own pocket! With a Personal Umbrella policy, however, you could extend your liability limits beyond the maximum provided by your underlying policies. In this case, an Umbrella policy would provide liability limits a

One of the most challenging aspects of the already stressful divorce process is agreeing how the two sides will split joint assets. As part of the discussion about how to divide property and investments, it’s important to consider how divorce might affect your life insurance policies. Divorce trends and beneficiary shifts Research suggests that about half of today’s marriages are likely to end in divorce, if current divorce and widowhood rates persist. 1   However, the Pew Research Center found that four in 10 divorced people aged 25-34 remarry, with the likelihood of remarriage increasing for people age 55 and older. 2 When planning your revised financial future, keep in mind that life insurance can be one important way to help protect your family’s financial security. Both divorce and remarriage may impact your life insurance planning. Divorced couples with children Alimony and child support are often major components in divorce settlements. Both involve one spouse pro

My Car was Covered, But Not From Theft According to a 2012 FBI report, every 43 seconds a car is stolen in the United States.* Joe Thompson never thought his car would make that list, until it disappeared one night. His Story “I took my family to dinner and parked across the street. I figured that I had nothing to worry about as it’s a popular neighborhood spot,” he said. “But we were in for a shock after we came out of the restaurant. The car had vanished. My first thought was that it had been towed!” Actually, thieves had made off with Thompson’s car right from the heart of the busy area. After filing a police report, Thompson also filed a claim with his insurance company. To his disbelief, his claim was denied. “Unless you carry comprehensive coverage as part of your auto policy, you’re not covered for car theft,” he said. “I learned that the hard way.” For Thompson, the gap in his auto coverage dealt a huge financial blow. Without comprehensive coverage

You know the saying, “too many cooks in the kitchen,” but you could also have too many appliances. Forty-four percent of home fires start in the kitchen; by unplugging equipment that you aren’t using, you’ll help reduce the risk of it generating heat and sparking a flame. Need more tips on how to protect your home? Give me a call at 210.722.8220 and let’s chat.

According to pricing data collected by the U.S. Energy Information Administration (EIA) , the average monthly energy bill in the U.S. , including electricity, natural gas and heating oil, is around $181. We plugged this average into Freed’s energy-saving DIY home projects to find out how much you could potentially save per month. Project 1. Close your fireplace flue. Project Time: Five minutes Energy Bill Savings: Potentially up to 10 percent or more Freed says the fireplace flue is open in 90 percent of the homes he visits to conduct energy-efficiency audits. “That’s like keeping a big window in your ceiling wide open, and then putting a straw in it to suck out heat,” he says. The fast, simple fix: Attach a pull chain to your flue so it’s easier to open and close without getting your hands dirty. Keeping your flue closed when you’re not burning a fire can save you approximately 10 percent (or more) on your energy bill each month. Potential average monthly savings:

Life insurance for your kids is a policy that grows with them. Purchasing a permanent juvenile policy now ensures that they have coverage, even if their health changes later on, and can even be used to help pay for school or a home. Give me a call so you can figure out what's right for your family.

Ho w it Works   Homeowners insurance policies offer actual cash value or replacement cost coverage to replace your damaged, stolen, or destroyed personal property.  • Replacement cost is what you would pay for the item at today’s cost.  • Actual cash value is what you would pay for a similar item at today’s cost minus depreciation (replacement cost minus depreciation).  • Depreciation is a decrease in value due to wear and tear or age. Claim Scenario  Your home and some furnishings were damaged during a recent wildfire. You made a claim to your insurance company and have met your deductible. Now you are looking at replacing the damaged furnishings. Last year, you bought a sofa for your living room for $2,000. The amount of money you will receive to replace your sofa depends on the type of coverage you have.   • If you have actual cash value coverage, the company might pay you $1,500 because that is the actual cash value of the sofa today (replacement cost mi

5 Ways to Reduce Your Auto Insurance Premiums 1 Drive safely and drive less Generally, the longer you drive without major citations or accidents, the lower your premium will be. In addition, the more time you spend driving and the farther the distances, the higher the likelihood that you may end up in an accident regardless of how safe a driver you are. Consider car-pooling, taking public transportation or riding your bike. If you are a safe driver, Farmers offers a safe driver discount to reward your good driving habits.   2 Research before you buy Before you commit to buying a new car, be sure to do your research. Some makes and models of cars, particularly those with excellent safety, theft loss or accident records, can be less expensive to insure. If you're considering several models and can't decide, I can help you make an informed decision providing some coverage price comparisons for the models you're interested in

Everything’s Bigger in Texas…Especially Farmers’ Smart Insurance Discounts If you’re employed or retired from an approved occupational group (e.g., Accountants, Educators, Engineers, Firefighters, Military, Law Enforcement, Medical Professionals, etc.), you may be eligible for this discount. Contact us at (210)722-8220 or mmetzger@farmersagent.com to see if you qualify.

FARMERS RIDESHARE Generally, your personal auto insurance policy wasn’t designed to provide you with coverage when you are working as a  rideshare driver with companies like Uber . And, rideshare companies' full commercial liability coverage doesn’t apply until you accept a ride. With Farmers Rideshare, you can avoid a potential gap in coverage by extending your personal auto insurance coverage when you are logged in and waiting to be matched with your next rider. What gap? Doesn’t the rideshare company’s insurance policy cover me when I’m working? When you log in to the rideshare company’s app, you may only be covered by the rideshare company’s limited liability coverage until you accept a ride and their full commercial liability coverage applies.  While you are waiting to be matched with your next rider, their policy generally only provides limited liability coverage* for medical expenses and damage you cause to others if an accident is your fault. Damage to you

How Employer-Provided Life Insurance Works Employer-provided or group life insurance can be a powerful and affordable benefit. Generally, a company will pay for Life insurance for their employees (and families) for a small cost taken from their paychecks, all without a medical exam. This makes employer-provided coverage an affordable option, even for those in less-than-perfect health. To keep costs down though, and deliver benefits to everyone, company-provided Life insurance may have limitations and: Restrict your coverage and additional options to small amounts (typically up to 2X your salary). Not travel with you if you leave your job. End suddenly if your company discontinues the policy. While these plans do benefit employees and help families in tough times, far too many households rely on them as their sole source of Life insurance. That means employees are typically not carrying enough coverage (especially in single-income households) and leaving their loved