Farmers Insurance - Matt Metzger

Farmers Motorcycle Insurance We know when you're out on the road the last thing you want to worry about is whether you have the insurance policy you want. That’s why Farmers® offers the smart choice in motorcycle coverage, with experienced insurance agents right in your neighborhood, great savings with multi-line discounts and 24/7 Claim Services. A Farmers Motorcycle policy also offers specialized coverage options that include: Roadside assistance Trip interruption coverage Optional Equipment and Safety Apparel Year-round coverage, but with rates that take into account mostly seasonal use Every state has minimum insurance requirements for cars and motorcycles. The Farmers Motorcycle policy provides standard Collision and Liability coverage. Standard Coverage Types of Coverage standard with a Farmers Motorcycle policy: Liability coverage Collision coverage Other Than Collision coverage Added Coverage Options Extras and Increased Coverage Options in...

Be careful of homeowners policy exclusions Unfortunately, bad things happen every day - from devastating floods to burglaries. But do you know exactly what your homeowner's insurance would cover if any tragedy or catastrophe came along?  The reality is that home insurance policies have limitations and exceptions, so you need to know what's included in yours and get additional coverage if necessary. Here is  a list of weird exclusions  some insurers are now doing. Some make sense – like dog attacks. But other things are unexpected, like trampolines not being covered. Other exclusions include expensive jewelry (you will need additional rider if you have a large amount of jewelry). On the question of mold, that’s no longer covered by many homeowner insurance policies. Mold became a big issue, particularly in Florida, and it’s been cut out of the picture step by step, insurer by insurer. Sewer backup is often not included in homeowner insurance policies. Clark...

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...

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.