Capital Insurance Services Corporation

Thursday, November 28, 2013

Have a Wonderful Thanksgiving

Happy Thanksgiving! Make sure to enjoy each minute with the special people in your life.

Tuesday, November 26, 2013

10 Reasons To Have Homeowners Insurance

Yep, home is where the heart is! There are lots of people traveling this week for Thanksgiving. Let’s stop and take a minute to talk about your insurance though and 10 reasons it is to make sure you have home insurance and that it is up to date.

IT’S REQUIRED - Most mortgage lenders and banks will require that you carry insurance on your home.
WEATHER – You want to ensure that your home is covered in case of severe weather.
LAWSUITS – Your homeowners insurance protects you from lawsuits that may result as a part of homeownership.
PROTECT YOUR BELONGINGS – If your possessions are destroyed, insurance will reimburse you for the value of your property.
MEDICAL COVERAGE – If a guest is injured on your property, many homeowners insurance companies will pay for the guest’s medical bills.
PROTECTS EQUITY – Your home is one of the largest investments you will make. Your homeowners insurance protects the value of the property. As you make renovations to your home, make sure to increase the amount of your coverage!
NATURAL DISASTERS – Tornadoes, windstorms, and hurricanes. Beware – some natural disasters are not covered, such as earthquakes and floods. Check with your agent for your policy specifics.
LOSS OF USE – If you cannot live in your home due to a covered claim, your policy will reimburse you for hotel accommodations.
THEFT – Your insurance policy guards you from property stolen from your home as the result of robbery or theft.
PEACE OF MIND – It may sound cliché, however, having homeowners insurance allows you to know that your belongings are covered in case anything does happen.

Have a terrific Tuesday and enjoy your Thanksgiving!!

Tuesday, November 19, 2013

Do You Need a Business Owners Policy ~ A BOP?

Every industry has its acronyms. In insurance one is BOP. Does your business need a BOP? What type of BOP do you need? What is a BOP!?!

A BOP is a Business Owners Policy. It is typical for businesses to have a BOP as it offers protection from property and liability risks in one package. It provides business owners with one bundle policy, and is general sold at a premium less than the total cost of purchasing individual coverages. The best thing about BOP coverage is that it is customized to fit your business; a contractor does not need the same coverage than a law firm needs, but both more than likely have a BOP.

A typical policy will often include:
• Property insurance
• Business interruption coverage
• Crime insurance
• Vehicle coverage
• Liability insurance

Depending on the risks of your business, you may need to add other coverages; additional components can be added to suit your business. For additional information about business owner policies, please contact an agent today.

Have a terrific Tuesday!

Monday, November 18, 2013

Work or Woods? Where Are You This Monday?

If you’re from Michigan, either you deer hunt or you know someone who does. It’s that time of year – hunting season. There are several types of people I know who enjoy this time of the year.

Some people say this is their favorite time of year; they go out in the woods and just sit, waiting for anything to walk by. Yep, that’s it, with no intention of shooting, just to soak up the pure beauty of nature. Listen to the silence of the wilderness, the sound of the birds and animals as they scamper, storing food for the cold months ahead.

The second group of people I know are the avid hunters. They are out there to provide for themselves and their families; returning to the natural self, foraging for their own food. This group of people look forward to using their venison to make a variety of meals, soups, stews, chili’s, sausage, and jerkies. They have a whole book of recipes to try.

Then, there are the sport hunters. They are out there looking for the rack, in search of the trophy buck. They gamble with their friends and family, not always for money, but for bragging rights. Who got the first deer this year? Which in the group got the largest deer? Who sat out in his or her blind the longest? Which of the gals or guys didn’t even leave camp this year, but was just there to feel like one of the group?

That leads me to the fourth type of hunter…some of you already know him or her, others will have to think harder about who this could be in your group of friends. They head up to the camp knowing that they won’t even go out. They are there to be a part of the group, to make memories with their friends and family. Some of them are there to cook, others to pass out the cards for the euchre tournament; they are there because it is the only time of the year that they will spend with this special group of friends.

Then, there are those of us who don’t hunt at all, but send our significant others, friends, and family off into the woods. Yes, some of us are referred to as hunting widows. Year after year, every November, the hunters bundle up and head out to the woods; and we, curl up on the couch with a good book and a hot cup of cocoa or glass of wine.

There are plenty of people who will pass each day like the rest, heading to work, or completing tasks at home; regardless of who is where in the woods. However, most of the hunting widows or widowers I know will use this time as an excuse to go to the show with a friend they haven’t seen in a while, or head to the mall to get started on some holiday shopping.

Regardless of which group you fall into, it is true that you fall into one of them and know another who may fit into another. You see, our activities complete us, they draw us closer together, build a sense of belonging. Regardless of your place this year, please watch for the hunters and the deer who are moving through the woods and across busy roads and highways.

Have an absolutely marvelous Monday!