Are Dog Bites Covered by Your Home Owner’s Policy?

General Insurance Agency serves residents who live in and around the St. Clovis, MN area. They offer a comprehensive list of insurance policies that cover your home, automobile, and business. Each agent can offer sound advice about the amount of coverage you need as well as ways to protect yourself from financial loss. Dog owners often have questions concerning their liability when it comes to their pets. 

Issues On Your Property

While laws can differ from state to state, the main issue with a dog bite is whether the dog was under the control of the owner when the bite occurred. If you have dogs and plan on inviting people to your home, you should contain your pets so they have no contact with your guests. If a pet gets loose and bites someone while they are in your home, you will be liable for their medical expenses. It’s important to know exactly what your policy says when it comes to having guests in your home and any potential liability you may be responsible for.

What Happens If My Dog Gets Loose?

If for any reason your dog leaves your property and attacks or bites someone, you may be held liable for any damages because you were not in control of your pet at the time the attack occurred.

The agents of General Insurance Agency can offer sound advice on how to protect yourself from specific types of liability, including that associated with dog bites and other types of injuries that are caused by pets. If you live in St. Clovis, MN, call and schedule an appointment today to make sure your policy is up to date and provides coverage for any liability that you may incur because of your pet. 

What Types of Roof Damage Are Covered Under Home Insurance Policies?

If you have a home insurance policy, damage to your roof may or may not be covered under the policy. At General Insurance Agency, we are often asked what type of roof damage is covered and what type of roof damage is not covered. Very generally speaking, if your roof needs repairs due to routine wear and tear or age, the repair and damage are not covered. If your roof was in otherwise great condition and a weather element damaged it, the roof damage may be covered. Here are a few instances when roof damage is covered by your home insurance policy. 

Wind Damage

If the winds are extremely strong, the gusts may blow shingles, tiles and other roofing materials right off your roof. If this happens, your roof repair will likely be covered by insurance. 

Hail Damage

Hail damage is the number one reason why homeowners insurance claims are made for roof damage. Hail can severely damage your roofing. If your roofing was in otherwise good shape, hail damage will be covered. 

Damage From Snow Storms

If you get a large amount of snow in a short amount of time, your roof can actually sustain damage or even cave in. When this occurs, home insurance will often pay. 

Fires

The last common reason why roof damage would be covered by a home insurance policy is because the roof was damaged by a fire. If a fire breaks out on the roof or under the roof, your home insurance company will likely pay for the repairs. 

If you have questions about your roof damage and homeowners insurance, General Insurance Agency would be happy to help you. We can help you determine what is covered and what is not covered based on the language in your policy. 

Importance of Buying Insurance in Clovis, NM

As a business owner, commercial insurance is a necessity. Running a business can be risky, and one of the ways to minimize these risks is buying a commercial insurance from General Insurance Agency. Depending on the type of business you run, the law of the state of Clovis, NM could require you to buy and maintain certain kinds of insurance.

When it comes to small businesses, commercial insurance is vital since they are comprised of individuals’ funds which could include dependents and family members, and thus the best way to make sure that the investments are safe is by buying an insurance policy. There are many reasons why you ought to have a commercial insurance cover which includes;

Protect your business property

Commercial insurance protects your business property and buildings in a case of damage from calamities like fire.

Protect your assets

Under commercial insurance is contents insurance which protects all the assets that are stored on your business premises. If you decide to lease a business work place, the property owner has property insurance but you are also responsible for your assets, and that is why you need this kind of protection.

Caters for any loss caused by interruptions

At times, you could experience situations that force you to shut your business down for some time probably during a repair. Such occasions cause downtime, and you tend to suffer loss due to decreased production. Commercial insurance has an interruption coverage which caters for the losses until the business is back to normal running.

Protects your business vehicles

If your business owns vehicles, ensure that they are all insured. Also if there are personal vehicles used for business purposes, make sure to notify your insurance company.

Protects your clients and visitors

The liability coverage pays for any damages or injuries that happen to your visitors. This includes medical bills in a case of bodily injury or legal defense fee if you are sued.

If you own a business in Clovis, NM Get a commercial insurance policy that suits your needs from General Insurance Agency and enjoy its numerous benefits.

Buying a New Car? What Kind of Insurance Do You Need?

Considering the cost of new cars today, it only makes sense to get adequate insurance coverage to protect your new investment. You may not be able to prevent an accident from happening, but you can be prepared for any eventuality. The right car insurance coverage from General Insurance Agency in Clovis, NM will ensure your new vehicle has the protection it needs. As the proud owner of a brand new vehicle, here are a few coverage options you should consider: 

New Vehicle Replacement Coverage

Even if you’re a careful driver, there’s no guarantee you will never have an accident. A major accident could result in totaling your new vehicle. New vehicle replacement coverage helps cover the cost of replacing your totaled vehicle with a similar make and model, despite depreciation costs. Depending on the cost of the vehicle you just bought, this coverage could save you time and money in getting a replacement vehicle for the one you lost. New vehicle replacement coverage goes beyond what collision and comprehensive coverage have to offer in protecting you from financial loss.

GAP Coverage

New vehicles depreciate quickly, starting immediately from the time they’re driven off the lot. If you’ve taken out a loan to purchase a new vehicle, you may want to consider GAP insurance coverage to protect your assets in the event of an accident that results in the total loss of your new car.

GAP insurance will cover the difference between your vehicle’s cash value (after depreciation) and the amount of your loan. This gives you the cash you need to pay off your car loan so you’re not left with a huge debt to cover out of pocket.   

Learn more about new car insurance options and costs by contacting General Insurance Agency, Clovis, NM. 

 

Do you Need more Home Insurance if you have more Occupants?

Home insurance is something that all homeowners have and that many may not understand fully. One question that recurs is whether or not you need more home insurance if you have a larger number of occupants. For those that live in the Clovis, NM area, the agents with General Insurance Agency can help you answer all the questions you may have.

For those that have a large number of occupants the real issue with home insurance is not going to be insuring the people living in the home but rather making sure you are able to insure the contents and items that the larger number of people own. You will, of course, need to let your insurance company know how many people are in the home and the living arrangements for both safety reasons and so that you can be sure you are going to be covered in the event of a disaster.

Often with a large number of occupants, you also need to worry about a large volume of contents and a larger chance that it may be difficult to get the people out if something happens. You are going to want to make sure you have enough coverage for the belongings of the people and for the people that are in the home. In general, you can adjust the coverage that you have based on how many people are in the home and can change the coverage as needed. In most cases, changing coverage for a larger number of people is not going to change the overall premiums that much.

For those in the Clovis, NM area, the agents with General Insurance Agency can help you to get the perfect amount of coverage for your home situation.  

Is it time to expand your New Mexico business?

So you’re thinking of contacting General Insurance Agency and seeing if they can connect your St Clovis, NM business with a commercial insurance policy as you expand.

But… are you sure the time is right?

The tricky thing about expanding your business is you do have to strike while the iron is hot, but if you jump the gun and try to grow too early, you may wind up overextending yourself and spending a bunch of money for nothing. Here are a few questions to consider before you branch out:

  • Can you afford a failure? You don’t want to bet it all on black. If you’re thinking of buying up a second location for your restaurant or moving your home-office software development firm into a building to house some new employees, you have to make sure that it’s not only in the budget, but that you can eat the costs if it turns out to be a wasted effort.
  • Does the market need you to be bigger than you are? If your product or service is a niche market, then there might be nothing to gained by branching out except for a few more bills to pay each month.
  • Have you mastered delineation? The great thing about a small business is you can run it solo. Once you start expanding, you’re going to be hiring middle-management people, so you need to make sure you know how to delineate tasks among them.

If you feel the time is right, then it may well be. The commercial policy General Insurance Agency connects you with will be one of the more affordable new costs as you expand, just cover your bases before you decide it’s time for your St Clovis, NM business to grow.

Is Your Insurance Company Responsible If You Don’t Respond to Your Auto Recall Notice?

Ultimately you are responsible for your vehicle. Your car insurance is there as an extension and answer to your financial responsibility.

Don’t Tuck That Recall Notice In the Junk Pile

Whether your car insurance rates are affected by the introduction of an auto recall notice depends on a lot of factors. In general, your insurance is not adversely affected if you get the notice and you address the concern expeditiously.

If you ignore the notice and you get into an accident which involves the recalled item, your car’s safety rating just took a plummet, and it is a good chance your insurance rates will go up.

If you get into an accident before the recall, but the accident is due to a manufacturer defect that was on the brink of recall, your insurance company will work with the manufacturer to resolve the liability. Your car’s manufacturer is at fault when there is a recall issue. It is not the fault of your insurance company or you for that matter.

Recalls may affect the value of your car and the viability of recall. Inform your insurer of your adherence to recall notices.   

The manufacturer is responsible for producing a quality vehicle without defect. As a driver your sole responsibility is to respond to the notice and do your best to ensure your safety, the safety of your passengers and the safety of other drivers on the road.    

Call General Insurance Agency today at 575-763-8816 to learn more about your responsibility as a driver and how to best protect your liability. Serving the St Clovis, NM area and the surrounding areas, we can respond diligently to your insurance needs and render an appropriate and comprehensive auto insurance product. 

Why fireplace safety is important

There is nothing like a roaring fireplace to set a romantic mood, especially during the winter months, with all of the other lights turned down low. A fireplace can also be the center of a family gathering because you can roast hot dogs and other dishes when the fire is low but the embers are still hot.

But, you should observe a few rules to operate your fireplace safely.

  • Make sure that your chimney is cleared of tree branches and bird nests and that the brick and mortar are intact.
  • Make sure that the chimney is checked and cleaned periodically.
  • Clean out the ashes from previous fires before starting a new one.
  • Use well-aged, dry wood, which produces less soot and smoke and burns more evenly.
  • Make sure that the flue or damper is open before lighting the fire; otherwise, you will fill your house with smoke.  Along those lines keep a nearby window cracked.
  • Make certain the grate is up when the fire has started. That way embers won’t fall out to set fire to your living room.
  • Be sure that flammable furniture and other items are set well away from the fireplace.
  • Make sure that the fire is completely out before leaving the room for any extended length of time, such as going to bed or leaving the house.
  • Have both a carbon monoxide detector and a smoke detector installed nearby.
  • Have a fire extinguisher within easy reach.
  • Make sure that your children are well versed in fire safety, and make sure that fireplace tools such as pokers are out of small hands. Do not leave small children alone in a room with a burning fire.

For more information on home safety and insurance contact General Insurance Agency serving Clovis, NM

Are Home Insurance Policies Changing To Accommodate The Tiny House Boom?

General Insurance Agency – Nothing Tiny About It

Tiny houses are all the rage nowadays.  A review of the home improvement channels will illustrate that for you. While millions of people are looking for more space and tapping into the American dream of a beautiful spacious home replete with the white picket fence, 21/2 baths and four bedrooms, there are a growing number of people who are looking to “go tiny”.

Serving Clovis, NM and its surrounding areas, General Insurance Agency are expanding its terrain to accommodate all of your insurance needs. When it comes to tiny houses it is owners choice in how to insure. Many home insurance policies include the term “foundation” in the underwriting. Tiny houses are generally constructed on wheels not concrete.

What are the differences between how a recreational vehicle and a tiny house are insured? How you want to insure is paramount. Speaking directly with the staffers at General Insurance Agency is the best idea. There are a lot of factors to consider. Just a few of the things you should consider include:

  • Will you be taking the vehicle across state lines often?
  • Will you be renting land or lot space when you park your tiny house?
  • Will most of your valuable items be in your tiny house or stored elsewhere?

Insurance is for your peace of mind. What is going to make you feel the most comfortable as you lay your head down to sleep in Clovis, NM or wherever you take your tiny home. One example of a major difference between tiny house and traditional house is that the fire safety codes must be changed to reflect where the tiny house is.

If a comprehensive policy is what you are looking for then we have your number.

How Does the Type of Car Affect Insurance Premiums

The car insurance that you have on your vehicle is both a necessity and a legal requirement that many people must carry. As such, your policy should be tailored to your specific car and your specific insurance needs. If you are living in the Clovis, NM area, the General Insurance Agency can help you create a custom policy that is going to work for your needs.

The type of car that you own and are insuring makes a huge difference in the overall price and amount of coverage that you need. One great example are older cars, these older cars, while they are not worth as much, they have fewer safety features making it necessary to take out more insurance on them.

Likewise, newer cars that are worth more might cost less to cover than you would think because of the safety features that have been added by manufacturers to help keep driver and occupants safe. You should always talk with your agent or with your insurance agency about any specifics of your vehicle that might change the coverage that you need to be both safe and legal.

Cars that are new and that have loans out on them are going to cost more to insure than a car that has been paid off. Also, those cars that are a specialty, expensive, or exotic brand cars are also going to need more insurance than other cars. Generally, your agent will work with you to determine the specifics of your car to find out just how much coverage you need so that you can be sure you are safe each and every time you set out to go to work or just take a drive.

If you are living in or around the Clovis, NM area, the agents with General Insurance Agency can help you find the perfect policy.