Time To Clean Up After Storms

bigstock-ANDOVER-NJ--OCT---An-uproo-39209893Many homeowners are starting to clean up after our recent storms. There is an aftermath including tree removal, roof repair and general yard clean up.  Remember your homeowner’s insurance may provide some coverage so it pays to call our office for a review. If you wait to ling to report a claim it may be denied.

Home Clean up tips

  • Check for mold. If you had water damage, there might be a mold issue. Check attics for mold.
  • See The CDC, Mold After a DisasterCDC Flood Web site, and Homeowner’s and Renter’s Guide to Mold Cleanup After Disasters
  • Replace drywall and insulation that has been contaminated with flood waters
  • Check your gutter and roof for damage.
  • Clean up damaged trees. This may mean trimming branches that could create a liability issue.
  • Fix any window damage including broken glass.
  • Fit any damage to siding.
  • It may be necessary to hire a professional to help you with major repairs.

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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Can That Be Covered?

what-2711657_640Homeowner’s Insurance Update

How many of you have actually read your homeowner’s insurance policy? We guess not too many. We do recommend that you read your policy to help you understand what coverage you have. Most homeowners are familiar with the basic coverage found their homeowner’s insurance policy; including coverage for the home itself, personal property and liability associated with owning a home.

Are There Other Coverages?

There is often other coverage found in your homeowner’s insurance policy that you may not know you have. Remember, each policy is different, so these coverage examples are general in nature.  This “hidden” coverage may have specific limits and terms of which you need to be aware, but here are some examples of coverage found in most homeowner’s insurance policies.

  • Liability coverage away from your home. You have coverage if you cause injury to a third party away from your premises.
  • Damage to your neighbor’s property. If you are at a party and cause damage to your neighbor’s property, chances are it would be covered.
  • Legal expenses. Should you be sued for an accident that occurred in your home, chances are legal costs would be covered under your homeowner’s insurance policy.
  • Additional living expenses. Your policy can pay the additional costs of living away from home if you cannot live there due to damage from an insured loss. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.
  • Many homeowners’ policies provide a small amount of coverage for stolen money.
  • Property of your college student. If your dependent child is a full-time college student living on campus, their property is covered by your homeowner’s insurance policy

It is important to note that not all homeowner’s policies are created equal, and what one company offers may not be the same as another company. Also keep in mind, if you bought your policy online, who really knows what coverage you have?

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.

 

Post-Flu Safety Tips

flu-1006045_640This has been a flu-filled year, and it is important to take precautions to insure that the flu does not come back into your family and home.  This year over 200,000 people were hospitalized because of the flu.  Each year on average, over 3,000 people die because of the flu.  In addition, those of us who get the flu, end up missing at least four days of work.  Most viruses are spread through the air and hard surfaces.  Flu symptoms include fever, cough, sore throat, runny or stuffy nose, body aches, headache, chills, and fatigue.  Some people also may have vomiting and diarrhea.  People may be infected with the flu, and have respiratory symptoms without a fever (source CDC).  We hope to offer a few tips to help reduce the likelihood of having the flu re-appear.

  • Make sure everyone in your home is vaccinated.
  • If you get sick again, stay home for 24 hours.
  • Avoid touching hard surfaces in public places.
  • Cover your mouth when you cough or sneeze.
  • Wash your hands frequently—especially after you have been in public.

Home cleaning tips

  • Wash sheets and clothes in hot water. Use the steam or sanitize setting on your washing machine if you have one.
  • Spray disinfectant in the bathroom and even on your bed.
  • Clean TV remotes and other commonly used items.
  • Clean wastebaskets.
  • Clean surfaces with disinfectant regularly.

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.

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.

Now Is A Good Time To Start Your 2018 Insurance Planning

insurance-1337564_640When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Items To Consider (you may need insurance for some of these)

  • Bought a new car or sold a car
  • Changed your marital status
  • Bought a boat, RV or ATV
  • Change of address
  • Welcomed a new baby into the family
  • Major inheritance
  • Have a new teen driver in the family
  • Child headed off to college
  • Purchased second home
  • Planned foreign travel
  • Started a home based business
  • I now drive my personal car for work

Personal Insurance

  • Review my insurance to make sure I have the right coverage
  • Take the time to read my insurance policies
  • Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
  • Make sure I have identity theft insurance
  • Do I have enough life insurance?
  • Do I need life insurance for my spouse?

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.

 

 

 

Independent Agents Add Value

 

light-bulb-2632075_640Amberg Insurance is an independent agency. This means we don’t work for any one insurance company. We have access to many markets that specialize in home, auto, business, health and life, giving us the ability to shop your account, and search the market for the best option for you. With captive insurance agents (Non Independent), you may only get the guidance of one company that sells one brand of insurance.

The Value of Amberg Insurance

  • We know and understand your industry.
  • We have over 40 years of service.
  • Our focus is exclusively on understanding the unique needs of our clients.
  • We will work with you to make sure your claim is processed to your satisfaction.
  • We provide a number of coverage options.
  • Are not obligated to any one company.
  • We search the market for the best combination of price and coverage.
  • We are licensed professionals with strong customer and community ties.
  • Our staff is qualified and trained to explain coverage in understandable language.
  • We can review coverage and make necessary changes based on your needs.
  • Amberg Insurance are local, real people, we live and work in the community.

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.

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.

There is no singular insurance company that is the best for everyone. As independent agents, we can find the right company for your specific needs. And as your needs change, we’ll always have an insurance company that is right for you.

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.

Independent Agents Can Add True Value

 

compass-2779371_640Amberg Insurance is an independent agency. This means we don’t work for any one insurance company. We have access to many markets that specialize in home, auto, business, health and life, giving us the ability to shop your account, and search the market for the best option for you. With captive insurance agents (Non Independent), you may only get the guidance of one company that sells one brand of insurance.

The Value of Amberg Insurance

  • We know and understand your industry.
  • We have over 40 years of service.
  • Our focus is exclusively on understanding the unique needs of our clients.
  • We will work with you to make sure your claim is processed to your satisfaction.
  • We provide a number of coverage options.
  • Are not obligated to any one company.
  • We search the market for the best combination of price and coverage.
  • We are licensed professionals with strong customer and community ties.
  • Our staff is qualified and trained to explain coverage in understandable language.
  • We can review coverage and make necessary changes based on your needs.
  • Amberg Insurance are local, real people, we live and work in the community.

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.

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.

There is no singular insurance company that is the best for everyone. As independent agents, we can find the right company for your specific needs. And as your needs change, we’ll always have an insurance company that is right for you.

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.

 

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.