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Author: abraham

How Much Is Business Insurance For A Car? (Chesterland, OH)

Posted on by abraham

Business owners typically have a ton of questions about commercial auto insurance. But the most frequently asked question, of course, involves how much it costs. So the answer is that commercial car coverage can vary significantly from policy to policy based on what kind of protection your business or your driver needs. Makes sense. Right? Also you’ll want to note that coverage for a business. This automobile can vary based on things like, say the location of the business and the state where your business operates, and the primary use of the vehicle that’s being covered.

So how about I give you an example here: commercial auto insurance for a car that will be driven every day on busy city streets will cost more than insurance for a vehicle driven, say, twice a week in the countryside. Oh, also, I’ve got two more points for you to keep in mind. First of all, a private policy will not cover a vehicle for business use. Ok. And secondly, every vehicle on the road has a minimum insurance requirements. So the best way to determine how much coverage your business vehicle needs is to talk to an insurance agent that you trust and make sure that you get the coverage that you need at a fair price.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Can Homeowners Insurance Pay For A New Roof? (Chesterland, OH)

Posted on by abraham

Homeowners insurance protects your home from damage caused by perils like fire, wind, and theft. But what about damage caused by wear and tear? For example, let’s say you need a new roof. Can your homeowners insurance policy help pay for it?

The answer is maybe- homeowners insurance policies typically cover sudden and accidental damage. So if a storm damages your roof, your policy should pay for the repairs, but most policies will not pay for damage that occurs over time, such as wear and tear or poor maintenance. That means if your roof needs to be replaced because it’s old and worn out, your homeowners insurance won’t help pay for the repairs. Now, some homeowners insurance policies include replacement cost coverage for the dwelling, not personal belongings. This coverage will help pay to repair or rebuild your home if it’s damaged or destroyed, regardless of the cause. So if you have replacement cost coverage and your roof needs to be replaced, your policy should kick in and help pay for the repairs.

Replacement cost coverage is not included in all homeowners insurance policies, so if you’re unsure whether you have it, check your policy documents or call your agent to ask. It’s also important to remember that replacement cost coverage has limits like every other type of coverage in a homeowner’s insurance policy. So even if you have this type of coverage, your insurer will only pay up to the limit stated in your policy. That’s why it’s always a good idea to ensure you have enough coverage to rebuild your home entirely if it’s ever destroyed.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Does Your Auto Insurance Cover Car Rentals? (Chesterland, OH)

Posted on by abraham

For frequent travelers or families who are planning a vacation. A very common question is whether or not an auto insurance policy covers car rentals? Great question. So uh this actually isn’t a simple yes or no answer. It depends entirely on the particulars of your individual. Auto insurance cover some carriers cover the driver meaning you. So no matter what kind of vehicle you’re driving, your coverage follows you. On the other hand, some carriers cover specific vehicles, which means your policy is only in effect when you’re driving the car that’s specified on your insurance form. Now, car rental companies will often offer you insurance at the time of the rental, but depending on your existing coverage and the cost of the insurance, this either might be money that you do not need to pay for or very well worth the additional cost. Your insurance agent can help you determine the particulars of your policy as well as help you make informed choices regarding future car rentals.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Can Life Insurance Premiums Increase? (Chesterland, OH)

Posted on by abraham

Many people are surprised to find out that their life insurance premiums can go up even if they have a guaranteed premium policy. There are a few reasons why your premiums may increase. One reason is simply that you’re getting older as you age, you become more of a risk to the insurance company and they will charge you more accordingly. Another reason your premiums may go up is if you have any health issues that develop after you purchase your premiums. If you develop a serious health condition, the insurance company will likely raise your rates. Finally, if you make any changes to your life insurance policy, such as increasing your coverage amount, your premiums will also increase while it’s important to be aware that your premiums can go up. It’s also important to remember that there are many types of life insurance policies available and some will have level premiums while others will not, no matter what type of policy you’re considering. It’s always a good idea to compare quotes from multiple insurers to make sure you’re getting the best rate possible.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Should I Get Identity Theft Protection? (Chesterland, OH)

Posted on by abraham

Carlee – Hi, Barb, a lot of people are talking about identity theft and identity protection. What would you recommend to do to protect myself?

Barb – Well, you know, it’s a conversation to have with your agent. Most home policies and renters policies have that as an endorsement that you can add called identity theft. And what is identity theft? It really helps protect and monitor most importantly, so you can catch it in the beginning. It’s a 24 hour, you know, seven day a week protection, which also includes cyber and then it’s reimbursement to help get everything straight. If they do get in and steal anything, it’s deep and dark web monitoring. If your social security number or passwords are out there and you get an update like once a month or once every quarter. And, again, it’s pretty inexpensive, maybe 45 to, you know, 70 bucks a year. So you can make that phone call. Thank you.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Should I Get Event Insurance? (Chesterland, OH)

Posted on by abraham

Carlee – Hi, Barb. So you hear a lot about people purchasing event insurance for different events. Why might I be interested in that?

Barb – Well, you know, events are big activities and parties that get put together. So there’s a lot of thought, there’s a lot of time, there’s deposits put down. At, you know, locations, you might have an event planner that’s part of the package, whether it might be a wedding or conferences, parties, 50th anniversary, festivals, banquets, conventions, fundraisers. What you get with event insurance is a general liability as well as property damage and bodily injury. And what that protects you from is a couple of different things. It could be a slip in a fall. It could be stage issue, could be alcohol service or even cancellation service. So if you’re planning a big party, whether it’s a Saint Patrick’s Day or a wedding, you might wanna have a conversation with your agent to see if it’s something you should consider.

Carlee – Awesome. Thanks Barb.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Why Did My Auto Insurance Increase? (Chesterland, OH)

Posted on by abraham

Carlee – Hi, Barb. I noticed that my auto insurance rates are going up and I really didn’t do anything different. Can you explain as to why that’s happening?

Barb – Carlee, that’s a great question. We get that periodically. Clients will get the renewals and they’ll notice the increase in the premiums or the pricing. So there’s a lot of factors that drive auto insurance rates. There were in 2022, there were 15 different instances of big claims due to weather over a billion dollars was paid out. The used car, truck and car prices are up. We’ve all seen that in 2022 supply chain issues have triggered shortages of the chips with the new cars. There’s labor shortages and wages increases as well as you know, the body shops. They’re paying higher labor rates. You know, if there’s a damage and a bumper. Now we’ve got cameras in there. So all these factors play into what causes the premiums to go up. They’re paying out more than they’re taking in and they’ve got to pass the cost on to the consumer. So that’s a great question, Carlee Thank you.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

What is Covered if I’m in an Accident and Someone is Injured or Dies? (Chesterland, OH)

Posted on by abraham

Carlee – Hi Barb. Today’s question: What is covered if I’m in an accident and someone is injured or dies?

Barb – Well, you know, that’s one of the big reasons people have insurance to begin with is to protect against that. So there is personal injury protection under your liability. There’s medical payments for the people in your car. There’s uninsured motors coverage if you’re in an accident and it’s the other person’s fault and they have no coverage or low limits, or if someone is disabled or if someone loses income due to the fact that they’re in a car accident that you hit to someone else. Accidental death benefits, funeral expense coverages and first party benefits. All that is all in the coverages that you purchase under your policy from most carriers.

Carlee – Gotcha. Thanks!

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Do I Have All The Insurance Coverages I Need? (Chesterland, OH)

Posted on by abraham

“Hi Barb. Today’s question is, do I have all the coverages that I need?”

“That’s a great question, Carly. That’s something you definitely want to have a conversation with an agent, not try to choose for yourself because there’s different factors that we look at when we try to determine if you have all the coverages you need. Of course, you need liability because that’s what’s required by each state in order to be, to legally be driving on the highway, but once you meet the minimum requirements, it’s not just about the minimums, it’s about what you have to lose and the assets that you own. So it’s a conversation to have with an agent.”

“Awesome, thanks Barb.”

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

  • (440) 729-4042
  • 8045 Mayfield Rd.
  • Chesterland, OH 44026