Posts Tagged ‘Beck Insurance Agency’

Salon Booth Renter Insurance – $250 / yr

Wednesday, October 16th, 2019

Are you a hair stylist? A beautician? Are you required to carry your own liability insurance?

Finally an easy, local, affordable market for booth renter insurance…right here!

Beck Insurance Agency can quickly provide salon booth renters the coverage they need, at an annual premium of $250.  Packages include $1,000,000 in beautician professional liability, $1,000,000 commercial general liability per occurrence, $2,000,000 commercial general liability aggregate, business personal property of $10,000, and a $10,000 business income limit.  Additional coverage may be added at an increased cost.

What do we need from you?  All we need is your name, location & mailing addresses, a phone number, an effective date, and your payment information.  That’s it.  Quick, and easy.

Contact Beck Insurance Agency today to secure or replace your beautician liability coverage today.  You can call us at 419-446-2777, email us your details at help@beckinsurance.com, or submit your information here and we will get you set up quickly.

 

4 Things to Look For When Buying A Used Car

Wednesday, September 11th, 2019

Buying a used car? Used vehicles can be significantly less expensive to purchase than new vehicles, but their history could end up becoming costly. Here are some things to look for when shopping for a used vehicle to help you find any lurking issues and feel more confident in your purchasing decision.

1.Take note of the VIN. The 17-digit vehicle identification number (VIN) is typically found by looking through the vehicle’s windshield near the driver side dash. Use the VIN to look up: ◦Open recalls on the vehicle (nhtsa.gov)
◦The vehicle’s service and repair history (carfax.com)
◦If the vehicle has been stolen (nicb.org)
◦Whether or not the vehicle has been in a flood (dmv.org)

2.Ask questions. Ask the seller: ◦Why are you selling the car?
◦What was the vehicle’s prior use? (Who drove it? Was it mostly city, highway, or country road driving?)
◦What is the vehicle’s history (e.g., recalls, accidents, theft, flood)? See if the seller’s response matches the reports you found when searching the VIN.

3.Go for a test drive. Get in the car and drive it. Do you feel comfortable and safe? Listen to how the vehicle sounds when traveling at varying speeds and stopping. Examine the vehicle’s exterior and interior. Look for rust, dents, cracks, signs of water damage, funky smells, and tire quality. Check to see if everything works, including the doors, trunk, lights, windshield wipers, A/C and heater, turn signals, locks, audio system, mirror and seat adjustments, and automatic safety features.

4.Check the vehicle’s price. Look up the vehicle’s value on websites such as TrueCar.com, kbb.com, Edmunds.com, or cars.com. If you have concerns with the vehicle, ask a mechanic to do an inspection and estimate how much it would cost to fix any issues. Consider the cost of tax, title, registration, insurance, and any warranty in the price of the car as well.

Buying a car can be stressful. Follow these tips before purchasing a used vehicle to help save headaches and money down the road.

For a full review and quotes on your auto insurance please call Beck Insurance Agency at 419-446-2777, or click here to submit a request.

Who insures vacant homes? We do.

Monday, September 2nd, 2019

While your vacant dwelling is waiting for new renters or owners, or just simply waiting, you can rest assured it’s properly protected. As your partner in property protection, we also can quickly and seamlessly transition your Vacant Dwelling policy to Landlord Insurance.

What coverage is provided?

Named peril coverage. Our “basic form” policy (CP 10 10) protects your vacant dwelling from fire, windstorm, hail, vandalism, smoke, sprinkler leakage, lightning, explosion, vehicle damage, sinkhole collapse, aircraft damage and volcanic action.
All risk coverage available. For broader protection, our “special form” policy (CP 10 30) provides coverage for all causes of loss unless specifically excluded from the policy. Our “special form” policy also provides theft coverage for properties with an active central station fire and burglar alarm.
Property coverage available up to $5 million limit of insurance.
General liability coverage available. Select this coverage (CG 00 01) for financial protection up to $1 million should you be found legally responsible for an accident on the property that causes injury to others.
Easily transition to a landlord insurance policy. Is your vacant property now ready to rent? Your vacant dwelling insurance policy can easily be converted to a landlord insurance policy with a simple endorsement.
Multiple locations. If you have more than one vacant dwelling in the same state, we can provide coverage with just one policy.
Flexible policy terms. We write 3-, 6- and 12-month policies in most states.
Flexible payment options. Installments are available for 6- and 12-month policies including the ability to pay online any day, any time.
Solid protection. We have been protecting vacant properties since 1978. Our coverage is provided by a carrier with a group rating of “A” (Excellent) by A.M. Best, the leading rating agency for the insurance industry.

Eligible vacant dwellings include:
•Dwellings that are 100% vacant and not undergoing repairs, remodeling or renovations of any kind
•Dwellings with up to four residential units
•Dwellings with three residential units and one commercial unit
•Dwellings with two residential units and two commercial units
•Fully skirted mobile homes that are anchored and/or on a permanent foundation
•Individual condominium and townhouse units

Buildings intended for demolition do not qualify for any of our insurance products.

Contact Beck Insurance Agency at 419-446-2777 or click to request a quote.

5 Benefits of Dash Cams

Thursday, August 29th, 2019

Dashboard cameras—have you seen them in cars? Cameras mounted to the dashboard are not just in police cars anymore. A camera that records sounds and images both outside and inside your car can have several benefits, including:

Proof of an accident. A video record can help prove you were not responsible for an accident or traffic violation. It can also help expedite a claim with your insurance company.

Extra set of eyes. Some dash cams continue to record when your car is not in use, like when parked, providing the ability to capture hit-and-runs or break-ins.

Improve your driving. Driving videos can be used to review your driving skills. Some dash cams also have built-in safety warnings like if your car is too close to the vehicle in front of you or if your car starts to drift out of its lane.

Monitor teen driving. Parents can view how their teen is driving and see who else is in the car. Dash cams with GPS can also track when and where they were driving.

Road trip memories. Since the camera will be recording, quick and unexpected moments can be captured safely without reaching for a phone or being distracted while driving. These can be shared or downloaded to another device.

The cost of a dashboard camera can range from $25 to $250, depending on the features included. However, it may pay for itself after using it to fight a ticket or get reimbursed for your auto insurance deductible. Installing a dash cam typically involves applying the camera’s suction cup to a window or the dashboard—just don’t place it in a spot that obstructs the driver’s view.

Posted by Lisa D. on August 23, 2019 in Auto Focus

How to Avoid Distracted Driving

Tuesday, August 27th, 2019

3 Tips for Keeping Your Eyes on the Road in a Digital World

Forty-eight states have banned texting while driving, yet distracted driving is listed as a probable cause for an increase in the number of collisions each year. The following steps are potential safeguards for you to consider while driving:

Put Your Phone in a Distraction-Free Mode

Adjust your phone’s settings so that you aren’t tempted to look at (or respond to) every buzzing, dinging or flashing notification. Try putting your phone into airplane mode while driving to your destination to eliminate all distractions. If putting your phone in airplane mode seems too severe, most phones have settings that will allow for media sound and major service providers offer a free app that will silence text alerts once your vehicle attains a certain speed, while still allowing GPS apps.

Ask Your Passengers to Help

When you are unable to turn off alerts completely, passengers can be a useful extra set of hands. Enlist your passengers as navigator or DJ so you can keep your focus on the road.

However, regardless of whether your alerts are set to “on” and you are travelling alone, always remember to…

W82txt

Did you know drivers normally spend five seconds looking at their phones when receiving a text? That’s enough time to cover more than the length of a football field when traveling at highway speeds.

As part of our commitment to reduce distracted driving, Auto-Owners began the W82txt campaign, which attempts to increase awareness of the dangers of distracted driving through local advertising and education, as well as direct community engagement by local Auto-Owners agents.  Click here for the original blog post.

Thank you Auto-Owners Insurance for all that you do in trying to keep us all safe!  For more information or auto insurance quotes please contact Beck Insurance Agency at 419-446-2777, or click here!

Life Insurance 101

Thursday, August 1st, 2019

There are interesting differences between Term Life Insurance and Whole Life Insurance when you dig down deep.

Term Life Insurance is the least expensive today, but the most expensive over time.  Less than 1% collect a term life death benefit.

Whole Life Insurance is the most expensive today, and the least expensive over time.  100% payout, with the ability to add Long Term Care coverage.

So how can you say whole life over time is less expensive than term life?  Call Beck Insurance Agency at 419-446-2777 or click to schedule an appointment and a life insurance illustration comparison.

Auto-Owners Insurance Company continues exceptional financial ratings.

Thursday, April 25th, 2019

Auto-Owners Insurance Group continues to be recognized for exceptional financial strength and stability among the nation’s largest insurers. Auto-Owners has once again received the highest AM Best Rating of A++ (superior), and is only 1 of 9 P&C insurers in the United States to do so. This now makes it 47 years in a row Auto-Owners has earned this coveted rating.

Beck Insurance Agency is proud of our relationship with Auto-Owners, having signed our agency contract with them in 1950.

For more information on Auto-Owners click here.

For Auto-Owners quotes call 419-446-2777, or click here.

NEW Alternative to traditional long term care insurance

Tuesday, January 29th, 2019

Hybrid Life Insurance/Long Term Care coverage from Beck Insurance Agency

This is a relatively new concept in the market and something you may be interested in. With hybrid Life Insurance/Long Term Care coverage, you can address two very important needs at one time: Life Insurance needs which provide for things like funeral expenses, paying off debt, and estate creation for family, buyout agreements, estate equalization, and Long-Term Care needs that may arise later in life.

Here’s how the coverage works: Secure a hybrid whole life policy then add a Long-Term Care rider with a monthly benefit at 2%-5% of the total death benefit amount, subject to the life insurance limit or $350,000, whichever is less.

This is an incredible product that creates an opportunity to secure and lock in long-term care coverage as well as the rate; depending on the premium payment structure. It also provides much greater returns in that should you pass away without requiring monthly care, your heirs receive the death benefit tax free. Should you decide later that you no longer need the protection, you can cancel the policy and take back your cash value – which after 5-6 years is generally higher than the amount of premiums paid. And of course, if you were to need long-term care you would have coverage when the time came.

If this is something that is of interest and you would like more information, please call (or click) Beck Insurance Agency at 419-446-2777 and we can review your needs and possible solutions.

Why do I need an Umbrella policy?

Tuesday, January 8th, 2019

Here is example #5,345 of why you need an umbrella policy!

Yours truly, (Joe Beck) took the family out west for a quick vacation. En route to the Santa Monica Pier we passed through Hollywood to be tourists and gawk a bit……

It didn’t take long before I nearly crashed into a $600,000 Rolls Royce in our rental car. (missed it by mere inches at 60 mph!)

Bijan Rolls Royce Phantom (yellow) parked along Rodeo Drive. Value $1,600,000

It was either cut the car off and risk hitting it, or for sure smash into the back of a Jaguar. (I didn’t know the model of the RR at the time…otherwise I would have picked the Jaguar!)

Think of the financial devastation you would incur if that happened and you didn’t have an umbrella policy.  Especially if you had lower liability limits as well.

Yikes!! 

Contact Beck Insurance Agency in Archbold, Ohio today to see how little higher auto liability limits and a personal umbrella policy actually costs.  Call 419-446-2777, or click here.

We serve all of Ohio as well as Indiana, Michigan, Tennessee, Georgia, and Florida.  All lines of insurance……

Ohio Plan 30 Year Founding Member

Tuesday, October 16th, 2018

Beck Insurance Agency was recently honored for being a founding member and agency partner with The Ohio Plan.  The 30 year partnership between Beck Insurance Agency, The Ohio Plan, Hylant Administrative Services, the other agency partners, and most of all the 200+ Ohio Plan Members has far exceeded our expectations.  Conrad Beck was on hand to accept the honor on behalf of Beck Insurance Agency.  Here is to 30 more!

For more information on Beck Insurance Agency, Conrad Beck, The Ohio Plan & The Ohio School Plan or…….please click here.

Conrad can be reached at 419-446-2777, cbeck@beckinsurance.com, or by contacting us here.