Planning a Safe Family Vacation

holiday-389978_640Planning a Safe Family Vacation

We all want our family vacations to go perfectly, but even with the best intentions, things can happen.  Ticket mishaps, delays, schedule changes, auto accidents, and more can cause your vacation to be ruined. Your personal insurance program can be expanded to include travel and accident insurance. Call our office for a free review.

Vacation Pre-Planning

A little work in advance can help reduce the likelihood of bad things happening on your vacation.  Here are some things to consider before you leave home:

  • Make sure all your insurance is paid and up to date.  Having your auto insurance lapse due to non-payment would not be a good thing while you are driving to Disneyworld.
  • Do not take all your credit cards with you.  Take only the ones you will need.
  • Create an itinerary of where you are planning to be and on what date. Give this to a neighbor or relative.
  • Make copies of passports if traveling out of the country. Give a copy to a relative or friend.
  • Never wear anything that projects affluence (i.e. gold chains, expensive watches, rings, high-end luggage, or other paraphernalia).  It is best to leave your expensive jewelry at home.
  • Never put your home address on your luggage tags. Write your phone number instead.
  • Wait until you get home to post your vacation pictures on social media. Facebook is a goldmine for burglars.
  • Always lock your car, and never leave anything of value inside.
  • Do not use wireless networks in cafes or coffee shops.
  • Be aware of animals.  In some foreign countries, people will place a monkey on your shoulder and make you to pay to get it off!
  • You will need special auto insurance if you plan to drive into Mexico.
  • Separate your money so your spouse has a portion and you keep a portion.
  • Do you really want your first motorcycle ride to be in Mexico? Do not rent equipment or vehicles with which you are not familiar.

We offer commercial and personal insurance to ensure that you are protected from catastrophe.  Our staff is dedicated to providing all of our clients with complete coverage at the best rates our companies can offer.  Our years of experience and education allow us to guide our clients in making well-informed decisions regarding their insurance needs.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

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Does Santa Claus Need Insurance?

santa-2933399_640Imagine that your entire business was focused on just one day out of the whole year?  You have to spend 364 days preparing for one single product distribution.  Do you think there might be just a little bit of stress—say around December 20?  If we attempted to present Santa with a business insurance proposal, he might say, “Who would sue Santa?”  If Santa were concerned about being sued, he might stop delivering gifts to attorney’s homes!

You might get that special gift this year, it could be a new car, art, jewelry, or even an ATV. If so, Santa suggests you call us to make sure it gets insured. Your homeowner’s insurance can be updated to reflects any new purchases.

Santa might be advised to consider an accident policy and a good health plan.  Here are some interesting facts about Christmas that you may not have known.

  • All letters addressed to Santa in the United States go to Santa Claus, Indiana.
  • It is estimated that the song “White Christmas” by Irving Berlin is the bestselling single in history with over 100 million copies sold.
  • Each year more than 3 billion Christmas cards are sent in the U.S. alone.
  • $447 billion and 12.9 billion hours…Money and Time Americans are expected to spend shopping, wrapping and returning gifts.
  • During the Christmas season, nearly 28 sets of LEGO are sold every second.
  • All the gifts in the Twelve Days of Christmas would equal 364 gifts.
  • Christmas trees have been sold in the U.S. since the year 1850.
  • There are approximately 21,000 Christmas tree farms in the United States.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

 

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Remember, Criminals Are Also Looking For Deals This Holiday

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The Most Common Holiday Theft Losses

We are in the middle of the holiday season.  While you are out shopping for that perfect gift, criminals are also out looking for ways to enhance their holiday take. While your personal insurance will most likely cover losses from theft, we thought it might be good to identify the most common holiday theft losses.

Now might be a good time to have us review your personal insurance. Stop in and have some coffee while we review your homeowner’s insurance coverage.

Theft From Vehicles

While you are in the store, criminals are in the parking lot looking for easy ways to get into your vehicle.  Keep all packages in the trunk; always lock your car, park close to the store, and in a well-lit area.

Home Burglaries

Home burglaries increase in December, due to people traveling and an increased number of easy targets.  When you leave your home, keep lights on, close your drapes, and never leave packages on your front porch.  Thieves will follow delivery trucks waiting for an opportunity to strike. Most online retailers send emails and text messages so purchasers know almost immediately when a package has been delivered.

Stolen Purses

When you are shopping, never leave your purse in the shopping cart, keep your purse closed, only take the credit cards you need, and leave other cards and documents at home.  Don’t carry a lot of cash and wait until asked to produce your credit card so a nearby thief can’t get your account information.

Identity Theft

Online shopping has become as big as direct shopping. Make sure to use secure websites and log off when completing any purchases.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Are You Shopping Online This Holiday?

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Personal Insurance Update

The holiday shopping season is upon us, and many of us are searching our favorite web pages for the best deals on the items that top this year’s wish list.  Last year, cyber Monday was the year’s single biggest day for shopping, generating over 2 billion dollars in sales.  This year, consumer experts predict an even bigger day.  However, this online activity is also a big day for cyber criminals.

We recommend that you have us review your personal insurance to make sure you have the right kind of insurance, including identity theft protection, to protect you and your family throughout the holiday season.

Holiday Cyber Safety Tips

  • Use a credit card rather than a debit card. It is easier to resolve issues.
  • Make sure your computer has updated security software. Verify that your antivirus software is up-to-date with the latest virus definitions, and that useful features like real-time scanning are enabled.
  • Update your passwords and make sure they are strong. Do not use 1234 as your password.
  • Don’t open email advertisement for sources you do not know.
  • Use only familiar websites.
  • Check you statements to make sure charges are correct.
  • Always log out of websites after your shopping is complete. Cookies can often keep you logged into accounts even after you close the browsing tab, an obvious no-no.  Get in the habit of clicking the “log out” button.
  • Try not to do your online banking on the same computer you use to shop online.
  • An extremely important online shopping safety tip is to keep your personal information protected. No store needs your social security number or your birthday.
  • The National Retail Federation predicts that 25 percent of adults will do online browsing with their smartphones to find gifts. If you use your smart phone to shop, make sure that you are only browsing safe, well-known sites.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Sources – Protection one, CNET, Identity Hawk.com, and Tripwire.