Information and general advice for individuals.

Insurance Score?

You may know that your history of accidents and violations, insurance claims, and more impact your insurance rates. But did you know that you have an insurance score? Insurance scores, or insurance credit score, is a three-digit number assigned to you that predicts the risk of an accident or insurance claim in the future. Scores above 770 are considered good, 500 – 770 are average, and below 500 are poor. The lower your insurance score, the higher your premium may be. Think of it as a credit score but for insurance. How is [...]

2022-03-04T16:34:34+00:00March 27th, 2022|

Other Benefits Of Renters Insurance

Renting is a great option when you aren’t quite ready yet to purchase a home or aren’t sure of where you want to settle down. It also has the added benefit of not having to pay property taxes or repair the property when something breaks. However, when renting, there are still some responsibilities and risks you as the renter may be responsible for. Having renters insurance may help mitigate the costs associated with some of those risks and responsibilities. Renters insurance is coverage for your personal property and personal liability. If a loss [...]

2022-03-04T16:50:24+00:00March 19th, 2022|

Smart Homes and Insurance

“Hey Alexa, can you turn on the lights and lock the doors?” “Hey Google, close the window blinds.” “Hey Siri, change the channel.” From voice-activated hubs to doorbells and locks you control with an app on your phone, the idea of a smart home has become reality. More homes are converting to smart technology lightbulbs, blinds, plugs, and everything you can think of. This evolution has brought about a lot of convenience to our lives, but it also brings a ton of questions… One of the biggest questions we hear from our clients [...]

2022-01-31T16:55:16+00:00February 6th, 2022|

Insurance Gaps You Face When You Rideshare or Deliver and How We Can Help – Uber, Doordash, and More

Services like Lyft, Uber, Doordash, and GrubHub are popping up all over the country. These services make life a little more convenient and give people new income sources. When you work for one of these services you get to set your own schedule, meet new people, and put extra money in your pocket. However, there is a huge risk factor that isn’t discussed often… Rideshare and Delivery Driver Insurance. When you drive or deliver for one of these services, you may not be as covered as you think when it comes to your [...]

2022-02-14T13:58:02+00:00January 30th, 2022|

Increasing Rates?

Each year we take a look at the current trends of the insurance industry and evaluate how those trends may impact our customers' insurance rates. When it comes to home and auto insurance, here is some of what we have seen over the last year. Auto Insurance Trends In 2021, we saw an increase in accidents along with an increase in repair and replacement costs. This means that the overall cost of a loss has increased. Some of the factors that are causing this include: Used car prices have increased by up to [...]

2021-12-28T20:00:47+00:00January 23rd, 2022|

Personal Article Floater Checklist

When looking to insure your valuable items, a personal article floater is where you go. This coverage is a separate policy, or a rider on your homeowner’s insurance, that provides coverage beyond your standard policy and often includes coverage for losses typically excluded from your standard policy. In other words, a personal article floater is a valuable policy to have. No pun intended. But how do you go about getting one? We have put together this checklist to help! Make a list. Start by making a detailed list of your valuables. Include descriptions, [...]

2021-12-28T19:58:18+00:00January 9th, 2022|

Do You Need A Personal Article Floater?

We’ve all heard the horror stories… a diamond wedding ring lost in the ocean, an expensive camera dropped from a rollercoaster, a precious piece of art waterlogged after a flood… nothing can prepare you to lose one of your most valuable items. Now imagine, already devastated from the loss, you learn that you don’t have the right insurance coverage to replace the item or pay for repairs. Most everyone has items that are valuable or special to them. It could be a family heirloom, an expensive engagement ring, or even your favorite t-shirt [...]

2021-11-29T19:20:21+00:00December 12th, 2021|

The Benefits of Employers Offering Health Insurance

Finding and keeping good employees is always difficult but it’s been an even bigger challenge recently.  One way to show potential employees you’re the employer of choice is to offer health insurance.  Here are a few reasons: Attract good employees: This is one of the most challenging labor markets we’ve faced, it’s very difficult to attract and keep good employees right now. Employees see value in health insurance and it gives them a reason to choose you instead of a competitor. Stable & motivated workforce: When offering health insurance, you are investing in [...]

2021-10-29T19:28:04+00:00October 29th, 2021|

Child Passenger Safety Week 2021

Child Passenger Safety Week is September 19-25 Make Sure Your Child is in the Right Seat Gannon Associates Insurance announced today that it is working alongside the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) for Child Passenger Safety Week, September 19-25, 2021. The week is dedicated to educating parents and caregivers about the importance of correctly choosing, installing, and using car seats, booster seats, and seat belts. We at Gannon Associates Insurance know that life can get hectic. We encourage you to take an hour or so out of this [...]

2021-12-08T14:12:43+00:00September 18th, 2021|

10 Reasons You Need The Rental Car Protection

Do I need to purchase the rental car coverage? We hear this question often and the answer varies. A good place to start is to review your personal auto insurance policy with a licensed insurance agent. Depending on your policy and carrier, your current coverage may apply to your rental car.  Your credit card company may also offer you rental car protection. The real question is do these existing coverages offer enough protection? Here are 10 reasons why we recommend our clients purchase rental car coverage. Value of the Rental Car. Most rental [...]

2021-07-27T13:30:07+00:00July 13th, 2021|
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