It’s cold outside! Here are two simple ways you can help prevent frozen pipes: 1. Open kitchen and bathroom cabinet doors to allow warmer air to circulate around the plumbing. 2. Keep heat at 55 degrees or higher even when you are out of town. More tips here: http://bit.ly/1RxZmVm
Too often we run into people that have claim issues thinking that their policy covers them for everything or not understanding their liability limits are too low. Saving a few bucks a month is not worth losing personal assets because you opted for low liability limits on your auto insurance. Here are a few tips:
Check your policy - you should have at least 100,000/300,000 in liability limits for auto insurance
What is your deductible? Is it too high? You can save money by having a high deductible, but can you afford to be out of pocket on the repair? Only you can answer that question.
Do you have towing? What are the limits?
What about rentor's coverage? This is a dirt cheap policy that gives you a discount on your auto insurance and saves you big if you have a fire or a theft. Your landlord is not going to cover your personal items on his insurance.
If you aren't sure, call your agent or call us for a free insurance review. The right amount of coverage is crucial, but you don't want to be over-covered either and be wasting your money.
Open enrollment has begun for health insurance and a lot of changes are happening.
It's a little crazy, but from my perspective, SelectHealth is strong and so is Aetna. They would be good companies to go with.
The Centers for Medicare & Medicaid Services (CMS) announced today a special enrollment period (SEP) for individuals and families who did not have health coverage in 2014 and are subject to the fee or “shared responsibility payment” when they file their 2014 taxes in states which use the Federally-facilitated Marketplaces (FFM). This special enrollment period will allow those individuals and families who were unaware or didn’t understand the implications of this new requirement to enroll in 2015 health insurance coverage through the FFM.
For those who were unaware or didn’t understand the implications of the fee for not enrolling in coverage, CMS will provide consumers with an opportunity to purchase health insurance coverage from March 15 to April 30. If consumers do not purchase coverage for 2015 during this special enrollment period, they may have to pay a fee when they file their 2015 income taxes.
Those eligible for this special enrollment period live in states with a Federally-facilitated Marketplace and:
This year’s tax season is the first time individuals and families will be asked to provide basic information regarding their health coverage on their tax returns. Individuals who could not afford coverage or met other conditions may be eligible to receive an exemption for 2014. To help consumers who did not have insurance last year determine if they qualify for an exemption, CMS also launched a health coverage tax exemption tool today on HealthCare.gov and CuidadodeSalud.gov.
"We recognize that this is the first tax filing season where consumers may have to pay a fee or claim an exemption for not having health insurance coverage," said CMS Administrator Marilyn Tavenner. “Our priority is to make sure consumers understand the new requirement to enroll in health coverage and to provide those who were not aware or did not understand the requirement with an opportunity to enroll in affordable coverage this year.”
Most taxpayers, about three quarters, will only need to check a box when they file their taxes to indicate that they had health coverage in 2014 through their employer, Medicare, Medicaid, veterans care or other qualified health coverage that qualifies as “minimum essential coverage.” The remaining taxpayers - about one-quarter - will take different steps. It is expected that 10 to 20 percent of taxpayers who were uninsured for all or part of 2014 will qualify for an exemption from the requirement to have coverage. A much smaller fraction of taxpayers, an estimated 2 to 4 percent, will pay a fee because they made a choice to not obtain coverage and are not eligible for an exemption.
Americans who do not qualify for an exemption and went without health coverage in 2014 will have to pay a fee – $95 per adult or 1 percent of their income, whichever is greater – when they file their taxes this year. The fee increases to $325 per adult or 2% of income for 2015. Individuals taking advantage of this special enrollment period will still owe a fee for the months they were uninsured and did not receive an exemption in 2014 and 2015. This special enrollment period is designed to allow such individuals the opportunity to get covered for the remainder of the year and avoid additional fees for 2015.
Open enrollment for individual health insurance begins 11/15/14. What is important to note, that if you want an effective date of January 1, 2014, you only have 30 DAYS to enroll. That means you have to be enrolled no later than 12/15/14! You can still enroll after that date, but your effective date will roll forward to 2/01/15.
We specialize in writing health insurance on the Federal Marketplace and getting you subsidy to offset your cost. Please call us and we can help you! We write in California and Utah for this health insurance season.
Well, the service centers have launched and it's going extremely well. Our main service centers are for personal lines for The Hartford, AARP, MetLife, Safeco, and Travelers. The main reason they are there is for when you want to make a change on your policy, and it's the weekend. Or you have to pay that bill last minute and you called at 8:30 at night. Typically, we are only at the office from 9-5, and so we saw a need for our clients ... why not offer 24/7 service?
The service centers will handle pretty much anything. If you need us to quote a policy, or re-shop you due to an uprate, just call us at the local office in St. George or American Fork. Or if you need some claims advice, give us a call so you can talk directly with your agent.
We really appreciate our clients and want to offer the best service and choices to them! Thank you for insuring with us!
If you still need health insurance, you can quote online by clicking on our Home page or call Katie Howe. We are writing ACA compliant policies on the Federal Exchange and helping our clients figure out whether they qualify for subsidy or not.
You also do not have to go through the Federal Marketplace to obtain health insurance, in fact, the only reason you WOULD go through the Federal Marketplace, Obamacare, etc. is to receive subsidy to offset your health insurance premium. Those of you who do not want to deal with it or do not qualify, we can still quote you through our carriers via the 'normal' avenue.
To receive a March 1st effective date, you must sign up no later than February 15th.
If you have questions or concerns regarding your health insurance, need a health insurance quote, want to see if you qualify for subsidy, or anything in between, please call us to set an appointment at (435) 674-8771.
We are certified to sell on the Federal Health Exchange and also certified for Medicare products.
Owners of technology companies are often unaware of the differences between General Liability and Professional Liability. Unfortunately, this could prove costly at the time of a claim.Watch this video to learn more.
Professional Liability policies are designed to cover exposures generally excluded under a General Liability policy such as:
•Liability associated with economic loss arising from a third party's use of a technology company's goods, products or services.•Loss, damage or corruption of a third party's intangible property (eg: electronic data).
•A third party's tangible property that's not physically damaged but is rendered unusable due to a technology company's defective product or service (eg: new software installed but none of the other existing programs are now functioning correctly).
Hartford Insurance has the coverage needed for technology companies, call Howe Insurance Brokerage to speak to an agent today for a free insurance review. (435) 674-8771