January 16, 2018
D Ward InsuranceDoes My Personal Auto Policy Cover Rental Cars?
We frequently get calls from customers wondering if their rental vehicle is covered by their auto insurance policy while on vacation. If you have an Auto-Owners personal auto policy, it has specific coverage provisions that address whether an accident in a rental vehicle is covered. Let’s look at common example: You take a vacation to […]
January 9, 2018
D Ward InsuranceHow Does Remodeling My House Affect My Insurance?
Envision your house transformed into a welcoming space with fresh updates and extra room for the things you enjoy. With a remodeling project you can open up walls, add lighting, or upgrade the flooring to create a stylish look and improve the efficiency of your home. Renovating your home can be exciting and overwhelming, […]
January 2, 2018
D Ward InsuranceSafeguard Your Long-Term Care
When deciding how you’d like to customize your long-term care (LTC) policy, you will most likely face a decision on whether to have an inflation rider or forgo any inflation protection. Before deciding what is best for you, it is best to understand the benefits offered by a compound inflation rider. Purchasing an inflation rider […]
December 19, 2017
D Ward InsuranceProtect Your Home From Winter Weather
Our local meteorologist is predicting single-digit temperatures in the upcoming weeks. It is important to us that we help keep our customers informed on ways they can protect their homes from the damage that can be caused from extreme winter weather. According to “Today’s Homeowner” website, here are a few tips you can follow in order […]
September 15, 2017
D Ward InsurancePreparing for a Storm
In regard to the recent storms from Hurricane Irma, let’s all make sure the things we can control are in order, such as if the contents of our homes were destroyed. Now is the perfect time to take stock of what we own and document it, so in case a storm does destroy our property, […]
August 11, 2017
D Ward InsuranceRoad Rage – How to Avoid it, How to Protect Yourself
Aggressive driving is a major concern of the American public and a real threat to the safety of all road users. In a survey conducted by the AAA Foundation, nearly 9 in 10 respondents said they believed aggressive drivers were a “somewhat” or “very serious” threat to their personal safety. This same survey found that […]
August 7, 2017
D Ward InsurancePersonal Articles Floaters – Extra Protection for Your Extra Special Possessions
Do you know how much your Homeowners policy will pay in case you lose your guns, jewelry, or fine art collection? Generally, the special limits included in your Homeowners policy are as follows: Fine Arts $1,500 Furs and Jewelry $1,000 (Theft Limit) Guns $2,500 (Theft Limit) Silverware, Goldware, Pewterware $5,000 (Theft Limit) Stamps $1,000 Trading […]
July 31, 2017
D Ward InsuranceWorkers Compensation Coverage – A Must-Have for Your Business
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover […]
July 19, 2017
D Ward InsuranceRead This Before You Drive for Uber or Lyft!
Driving for a ride-hailing company like Uber or Lyft can be a great way to make a living or just make some cash on the side. However, the job doesn’t come without risks. You have personal auto insurance, and probably assume that it will cover you in case you get into a wreck. This is […]
July 12, 2017
D Ward InsuranceHome-Based Businesses Should be Protected, Too
Thought it may be difficult to imagine, the U.S. Small Business Administration says that more than half of all businesses in the U.S. are located out of the home of the business owner. Regrettably, several of those home-based business owners feel that they don’t require any special insurance policies to defend their business from the […]