Easiest Ways to Boost the Curb Value of Your Home

Whether you’re thinking about putting your home on the market or you’re simply wanting to boost the value of your home, there are some simple and easy ways to do this without breaking the bank and having to put in a whole lot of blood, sweat, and tears to do so. For more on home insurance, life insurance, and car insurance, contact your local Allstate representative today.

Below are some easy tips for boosting the curb value of your home.

CURB VALUE BOOSTING TIP #1: Give your paint a new coat.

One of the easiest ways to add curb value to your home is simply giving your exterior paint of your home a fresh, new coat of paint.  It’s amazing what a new coat of paint can do for the outside of the house.  Any white trim can be brighter.  Any less appealing colors, chips, or peeling paint can be cleaned up.

CURB VALUE BOOSTING TIP #2: Wash the exterior of your home.

If you cannot freshen up the paint, even just giving the exterior of your home a good wash will go a long way.  There’s a lot of dust, dirt, cobwebs, and other debris that can make its way onto the outside of your house.  You can rent or purchase a power washer and wash the outside of your home to clean it up.  If you decide to paint your home, you will want to wash the exterior prior to painting.

CURB VALUE BOOSTING TIP #3: Repair and Fix the Roof.

The roof is one of the first things that a potential homebuyer will notice on a home.  If your roof is old, worn out, missing shingles or otherwise damaged or in need of repair, that will definitely be an eyesore and bring down the value of your home.  Make sure that your roof is in top shape.  The curb value that a newly replaced roof will add to your home will be greater than the costs associated with getting the roof repaired.

CURB VALUE BOOSTING TIP #4: Keep up the yard.

A great way to add to value to your home is to maintain a nice yard.  If you have grass, the grass should be green and free of weeds and debris.  Any additional plants or planters are a nice touch as well. 

CURB VALUE BOOSTING TIP #5: Pave the driveway.

A nice, smooth driveway is another easy way to add value to your home.  Cracks in the asphalt along the driveway are not pleasing to the eye to a homebuyer, so taking the time to have a neat driveway with ample space for parking the cars and for guests is ideal.

CURB VALUE BOOSTING TIP #6: Maintain a Neat Exterior.

In addition to the above tips to keeping the exterior aesthetics of your home in top shape, it is important that you maintain a neat exterior in other ways, including but not limited to: rain gutters, windows, shutters, bricks, siding, mailbox, address numbers, fences, front door, gate or screen to the front door, garage door, etc.  Even making the smallest improvements to these items will add value to your home.

HOW DO YOU PROTECT YOUR HOME?

As a homeowner, chances are, your home is one of the largest assets—if not the largest asset—that you own.  It is important that you insure your home with homeowners insurance.

As with most insurance policies, there are different features and provisions that will determine what will be protected.  Generally, most homeowners insurance policies are intended to cover structural damage that may occur, such as in the event of a fire, as well as any liability to the owner to any injuries that may incur to anyone that may be injured on their property.  Most standard homeowners insurance policies do not include damage that may be the result of flood or earthquake.  Those are typically additional policies and coverage that may be required (if available).

As a homeowner, it is not only important that you have homeowners insurance to protect your home and any legal responsibility that you may have in the event of any injury that may occur in your home, it is important that you also maintain your home.  Many accidents occur as the result of poor maintenance and negligence of the homeowner.  Not only does taking care of your home add to the value of your home, it helps to remove any potential problems that may occur from a poorly maintained property.

We hope that the tips above help you to add to the curb value of your home—relatively quickly and easily.  If you have a question about how to protect your home and wish to schedule a review of your homeowners insurance needds, the qualified and licensed agents at Allstate are waiting to help you!  To locate an agent in your area, click here or call us 24/7 at 1-877-810-2920.

Best Road Trips for Scenic Views in America | Allstate Burbank

Whether you are planning a road trip full of adventure and exploration or just looking to explore your local area, the US is full of beautiful scenery that makes for a stunning drive.

For more info on the best road trips and how to deal with car insurance, don’t hesitate to  contact Allstate Burbank for all your road needs.

The Hawaii Belt – Big Island, Hawaii

What locals call the “Hawaii Belt” is really three state routes (11, 19 and 190) which form a circle around the perimeter of the Big Island of Hawaii. What makes this drive so special is the diversity it offers. If you complete the entire 300-mile drive, which usually takes several days, you will see jungles, active lava flows, white beaches, farmland, mountains and valleys. Most people suggest you begin your trip in Kailua-Kona, the region where the famed Kona coffee comes from. 

Overseas Highway- Florida Keys

The roads and bridges of the Overseas Highway from the Florida mainland all the way down to our country’s southernmost point at Key West are the survivors of Henry Flagler's Florida East Coast Railway. This highway was originally a 113-mile-long railway which was constructed between 1905 and 1912. However, in 1935 a hurricane destroyed Flagler’s railway and the tracks were converted into highways. At certain points in along the route, the ghostly remains of the tracks are still visible above the water. 

Finger Lakes Region- New York

These are a chain of lakes located in central New York which are shaped like 11 fingers and were formed by glaciers. The lakes extend from Syracuse to Rochester, and experts recommend making a loop starting and ending in Ithaca to take advantage of the farms and wine tastings which are typical in the region. This trip will take a couple of days, and you can take some time to go for a hike a visit the natural waterfalls. 

Pacific Coast Highway- California 

Known as one of the most scenic routes in the world, the Pacific Coast Highway follows much of the California coastline. It hugs steep mountains with gorgeous views of the ocean starting in Los Angeles and stretching all the way through Big Sur, Monterey Bay, and wine country, including Sonoma county. It takes about five hours to drive the complete highway.

Going-to-the-Sun Road – Montana

Going-to-the-Sun Road is a 52-mile, two hour drive the bisects Glacier National Park in Montana. It was actually created to bisect the park, allowing visitors to see all the attractions, so there are plenty of places to stop and check out the view along the way. The park has many things to see, including glacial lakes and valleys, alpine tundra and cedar forests. The road is open every year from June through early fall. In the winter however, there is too much snow to make it traversable. 

Skyline Drive – Virginia

Skyline Drive is the only public road through Shenandoah National Park. If you are planning a day trip, it takes about 3 hours to drive through without stopping. But you will definitely want to stop to look at the stunning flowers and wildlife as you wind through the park. There are 75 scenic overlooks where you can stop to take photos. If you would like to stay longer, Skyline Drive is dotted with campsites and visitor centers as well.

Seward Highway – Alaska

This highway connects the cities of Anchorage and Seward, and it takes about five days to make the drive without stopping. However, you will probably want to stop to look at the natural surroundings which include waterfalls and glaciers, or stop in one of the fishing villages, mining towns, or national forests. You might also see ‘unusual’ wildlife like eagles, moose, and beluga whales. Its important to remember to visit Alaska during the summer, when there is more sunlight.

Allstate is you go-to partner for the road. For insurance or tips on the country’s best road trips, we are there for you.  Get in touch with us to learn more about how Allstate Burbank can protect you, and make sure to visit us on Facebook, Google+ and Twitter to keep up to date on all our latest news.

7 Essentials to Bring for a Road Trip | Best Road Trip Tips

Road trips provide a chance to escape life for an adventure unlike any other. Whether it be with your family, significant other, or an exciting solo excursion, your road trip is only as good as you are prepared. To help, we’ve collected some expert road trip tips to help you on your adventure.

For everything road-related, visit Allstate Burbank for rates on auto insurance, renter’s insurance, and life insurance.

Navigate with Waze

Navigation made easy. It never hurts to have a little help as you head on a road trip. With the social traffic and navigation app Waze (available for iPhone, Android and Blackberry), you’ll be getting more than just directions. This free app allows other drivers in your network to report accidents, traffic jams, police sightings, construction, and delays, so you’ll receive real-time updates along the route. 

Invest in a Kopack Slim Backpack

When you’re constantly tossing bags in and out of the car, you want to know they’re durable. The water-resistant Kopack Slim Backpack has plenty of compartments equipped with one large packing compartment, separate laptop compartment, tablet holder, and front pocket organizers for portable charger, cords, books or snacks. Perfect for the tech-savvy family on-the-go, Kopack Slim Backpack is thoughtfully designed for business trips or weekend getaways or for simply heading to the office or school and home again. ($36.99, amazon.com) 

Store Your Drinks and Snacks with a Rubbermaid Cooler

With the Rubbermaid 50 Quart Cooler, you won’t have to worry about keeping your drinks and snacks cool. This split-top cooler will keep food cold for more than 12 hours and easily packs with 25 pounds of ice. It also comes with rugged wheels, so you can easily maneuver this travel cooler over multiple surfaces easily. Perfect for camping, picnics, tailgating or any party, Rubbermaid 50 Quart Cooler is designed to keep extra thick insulation to keep ice frozen up to 5 days even in temperatures up to 90 degrees Farenheit.  ($57.29, amazon.com)

Take Your Morning Coffee On-the-Go with Oxo Travel Mug

If your morning routine includes a morning cup of coffee to get you through the day, take it on the road with Oxo Good Grips Double Wall Travel Mug. With three silicone seals, this durable, stainless steel mug ensures no leaks and is BPA free. 

Keep Your Back-Seat Tech-Savvy and Organized

Keep your kids occupied during the road trip with this picket-packed headset hanger. The High Road PadPockets iPad Holder gives backseat riders their own mobile theater with an iPad holder and seat back organizer to store everything you need for long or short trips. Easy to install, the The High Road PadPockets iPad Holder is attached to car seatbacks with an adjustable headrest strap and bottom tie cords. ($9.95, amazon.com)

Pack a Comfort Kit

For long road trips or travels at the crack of dawn or late at night, bring blankets and pillows for snuggling, keeping warm and naps. For kids, don’t forget his or her favorite toys or stuffed animals and a change of clothes for any unforeseen diaper accidents or spills.  

Travel with a First Aid Kit

This is among the most important road trip tips. A first aid kit comes in handy on the road for minor cuts, injuries or emergencies. You will want to bring along the basics as well as any prescription medicine you need. This includes but not limited to Band-Aids, pain reliever, allergy reliever, cotton balls, q-tips, and sunscreen. ($19.97, amazon.com)

Road Trip Ready with Allstate

Allstate Burbank is your partner in everything road-worthy. From car insurance to road trip tips, let us be your first stop! Get in touch with us to learn more about how Allstate Burbank can protect you, and make sure to visit me on Facebook, Google+ and Twitter to stay updated on all the latest news from Allstate.

Best Tips for Your Apartment Hunting Checklist | Apartment Guide

Apartment hunting is a tedious process. While monthly rent is an important factor, you should never forget to look at the location, the people, the commute, the neighborhood, and the space – to name a few. This apartment hunting checklist includes all these factors that will influence your decision on where you want to live next. 

Location is King

Location is key to apartment hunting. It determines the commute, the people, the neighborhood vibes, and the space. 

• The Commute. Ask yourself how you will get to and from work. If you have a car, then parking and the time/distance you are willing to drive each day identifies your radius search. If you don’t have a car, your location is either walkable or accessible to public transportation.

• The People. Your family and friends are the center of your life aside from school and work. If you’d like to move to an area where your family or friends are, it helps to be close and have them nearby for social get togethers or in cases of emergencies.

• The Neighborhood. What neighborhood do you see yourself in? Do you love to work out? Find a location nearby a gym. Have a pet? Make sure the location is pet friendly and has pet-friendly parks. Love the nightlife? Then locate yourself in the prime locations of restaurants and bars.

• The Space. How large of a space will you need is often directly correlated to your proximity to the city. The closer you are to downtown, the more you are going to pay per square foot. 

Savvy Tips for the Smart Apartment Hunter 

• Ask your friends and network. Word of mouth can expedite your search with leads.

• Check your wireless and cell phone reception in every room.

• Test the water pressure in the shower and faucets.

• Move during the winter. November, December and January rent rates are at their lowest.

• Look inside all interior cabinets and drawers. This will save you time with any holes or damages early on.

• Test out the apartment for one or two days. Smaller apartment complexes will let you if you ask.

• Check your car insurance rate in that area. Car insurance rates vary by location.

• Measure your furniture. This will help save you time come move-in day to make sure your furniture fits through door openings.

• Ask other tenants what their average electric or heating bills are before signing any lease.

• Read the lease carefully, specifically terms and conditions.

• Check all outlet functions.

• Read reviews of apartment complexes and units.

• Don’t forget the newspaper classifieds.

• Check the smoking policies.

Let’s Get Started 

When you’re ready to get into the game, here’s a few tips to get started.

• Define your budget. Identify your budget then start the search. Some landlords and property managers require minimum earnings to move forward in the application process.

• Research. Do your homework before narrowing down your selection.

• Connect and engage. Send emails and make phone calls to property management offices to inquire about available floor plans, rent prices, utility costs, etc.

• Consult a professional. A real estate agent can be an invaluable asset when it comes to finding a place with package rates and industry know-how’s. 

• Narrow your search. Remove any apartments outside of your budget, location and requirements. 

• Schedule tours. Check out a short list of apartments and tour them within one or two days.

• Make your pick. Low housing inventory in the U.S. means a quick property sell out. Make sure your decision is timely. 

Apartment Ready with Allstate 

Allstate Burbank can help keep you on your feet if you ever deal with any questions about your next apartment search or apartment hunting checklist. Get in touch with us to learn more about how Allstate Burbank can protect you, and make sure to visit me on Facebook, Google+ and Twitter to stay updated on all the latest news from Allstate.

Top Home Insurance Mistakes to Avoid | Home Insurance Questions

Before you choose your home insurance policy, you need to strike a balance between affordability and adequate coverage. You want to minimize risk, but you also don’t want to overpay for insurance you’ll never use. Understand exactly what you want to insure and know the value of your coverage by avoiding these 7 home insurance mistakes.

1. Not Knowing the Value of Your Property

Failing to purchase enough insurance could leave new homeowners with thousands of dollars in uncovered damages and losses. If you discover you’re underinsured after the loss occurs, you may need to pay some replacement costs out of pocket. To avoid this risk, stay up-to-date on home values in your area so you know how much it would cost to rebuild and update your policy accordingly. 

You can also track the value of your valuable items such as engagement rings, cameras, computers, and expensive antiques. It’s good to get these appraised to adjust for their true worth and adjust limits accordingly.

Also, consider home improvements. As time goes on, homeowners will likely make improvements such as renovating the kitchen, bathroom or installing energy-efficient additions When it comes to insurance, as many as 40 percent of home insurance buyers do not update their policy to match their improvements.

2. Thinking Deductibles are Fixed 

While deductibles are fixed in general, this may not be the case for major weather events such as a hurricanes or windstorms. Damages from weather events may not be fixed but rather a percentage of a coverage amount. To help set expectations, ask an insurance agent about any changes in deductible amounts in accordance with the type of claim filed.

3. Figuring Sewage-Backup is Included 

While homeowners assume standard coverage in their homeowner’s insurance policy, not all is included. Out-of-date sewage lines could lead to sewage backup, which could damage the entire structure of a home. A small addition to a homeowner’s policy can protect a new home should a situation arise.

4. Failing to Buy Flood Insurance or Earthquake Insurance

If your home is in a flood zone or an area of seismic activity, you may need to purchase additional insurance. Water intrusion and earthquake-induced losses can be confusing when it comes to home insurance policy, so be sure which water-related coverage you’ll need to cover your risks.

5.  Not Asking for a Multi-plan Discount 

When purchasing insurance, don’t forget to ask about multi-plan discounts. If you bundle auto, life and health insurance along with your homeowner’s insurance, agencies often offer discounts so you can save both time and money. 

6. Failing to Shop Around

As with any pivotal decision in a homeowner’s life, homeowner’s insurance is not to be taken lightly. Shopping around is one of the most important tips for buying home insurance and the best way to choose the right one for you within your budget and for the coverage you need. Be sure to understand the key elements of different policies and the differences in pricing, coverage and flexibility.

7. Forgetting About the Policy After You Buy 

After you purchase home insurance, don’t set aside your policy in a drawer and pay the annual premium without question. As your life moves forward, your policy may need to change as well. Annually, check your coverage amounts to determine if they’re still adequate. 

Be Prepared and Drive Well with Allstate 

Allstate Burbank can help keep you on your feet if you ever deal with any questions about home insurance mistakes Get in touch with us to learn more about how Allstate Burbank can protect you, and make sure to visit me on Facebook, Google+ and Twitter to stay updated on all the latest news from Allstate.

Best Motorcycle Trips to Take this Summer | Motorcycle Trip Tips

Nothing beats touring the country by motorcycle. The unique satisfaction of freedom paired with the heightened adventure as your twist and turn; that’s a sense of beauty you can’t connect to inside a car. Here are 10 of the best motorcycle trips to try this summer.

Big Sur (CA) 

Take a break from slow-moving rental cars along the coast and coast through Nacimiento-Fergusson road, which climbs the Santa Lucia Range mountainside. Enjoy a breathtaking view of the Pacific across 90 miles of California Highway 1, stretching from Monterey County to San Luis Obispo. 

Hudson Valley (NY) 

Just 90 minutes outside of Manhattan, Hudson Valley explores 80 miles of scenic vistas of the Hudson River and no shortage of wineries, villages and outstanding restaurants. The course spans from Yonkers (south) to Albany (north) with interstate 87 on the east and Highway 9 to the west.

Idaho Grand Loop (ID, UT, WY, OR, WA, MT)

This epic, 2,549-mile route spans across Salt Lake City and runs through Utah, Wyoming, Idaho, Oregon, Washington, and Montana. The course stretches through Beartooth Highway, Route 12 and Washington Route 129.

Las Vegas Outskirts (NV)

Taking it out from the Las Vegas Strip, this route spans across highways 167 and 169 connecting Valley of Fire National Park, Lake Mead and Hoover Dam. This course is best for spring, summer and fall; avoid winter months as near-freezing temperatures can damper the ride. 

Yellowstone National Park (WY) 

This 142-mile Grand Loop swings around Yellowstone, surrounded by the park’s greatest hits including Mammoth Hot Springs, Fountain Pots and Old Faithful. Enjoy this scenic route and keep an eye out for wildlife, which always wander onto the roadway.

Florida Keys (FL) 

This route stretches across 113 miles of Florida mainland to Key West along Highway 1. The highlights of this trip are the bridged Overseas Highway section, which bisects the Gulf waters on the west and the Atlantic on the east. Stop by Alabama Jacks on Key Largo to kick off your journey for some local conch fritters and key lime pie.

New Orleans (LA)

Unlike scenic routes connected with Mother Nature, this route dominates most road-based vacation destinations, riding through New Orleans and urban hot spots over to Louisiana swamps and plantation country. 

San Diego (CA) 

Taking a different turn here, this route makes for an awesome day trip. The B roads run through Anza-Borrego Desert State Park, offering mile after mile of scenic flow and connected by California highways 78 and 79.

Big Island (HI)

Among the most scenic and best motorcycle trips, this one nearly takes the cake. This route is interwoven by a web of two-lane blacktop that cuts through a wide variety of terrain, from moon-like volcanic flatlands to lush rainforest. For a more efficient route through the heart of the island, take Saddle Road. 

Monument Valley (AZ, UT) 

This route takes you through the Western front as you saddle up and ride through lonely highways that cut through the sandstone buttes of Monument Valley Navajo Tribal Park. The most memorable drive is the 17-mile Valley Drive loop completed by a 45-mile long scenic byway across Valley of the Gods, Cedar Mesa and Highway 163.

Be Prepared and Drive Well with Allstate 

Allstate Burbank can help keep you on your feet if you ever deal with any questions about your car. Get in touch with us to learn more about how Allstate Burbank can protect you, and make sure to visit me on Facebook, Google+ and Twitter to stay updated on all the latest news from Allstate.

Best Tips to Maintain the Value of Your Car | Car Value Guide

Although many assets appreciate as they age, a car is not one of them. Edmunds estimates that a new car loses 11% of its value as soon as it is driven off the lot. But car owners can improve their car’s resale value by keeping it in good condition. Read on for 6 useful tips to maintain the value of your car.

Keep the Car in the Garage

Your garage may be good for your household storage but it can also protect your car’s value. Parking your car in the garage protects it from the elements of cold, heat, sunlight, wind, hail, rain, and storms. It’s also protected from other debris that may fall out of nearby trees.

If this is not an option, here are a few tips:

• Park in the shade. This will protect your car from regular sun exposure, which can fade the outer surfaces of your car.
• Park your car away from other vehicles to minimize the likelihood of damages (i.e. door scratches and bumps) to your car.

Maintain Your Car Regularly

Every vehicle manufacturer has a different recommendation for scheduled maintenance. This schedule depends on your driving conditions and other factors. Some cars need oil changes every 3,000 miles while others at intervals of 5,000 to 10,000 miles, depending on the type of car and its driving conditions. Regular, on time maintenance will help keep your car in healthy condition. 

Additional Tip: Save your receipts from car washes, oil changes, tune-ups, tire rotations, and other maintenance services. This will provide you a history of maintenance to help maintain the value of your car.

Fix Small Problems in a Timely Manner

Many drivers often ignore small problems as long their car still runs. Unfortunately, small problems are typically warning signs of a more serious problem. Even if it isn’t severe, taking care of problems in a timely manner can save you money and frustrations of larger issues. 

Keep It Clean

Seems like common sense but very true. Have your vehicle detailed on a regular basis – inside and out – and wax your car a few times a year. This will protect the surface and help to maintain the color of your vehicle longer. 

This is superficial but looks matter. When it comes to the resale value of your car, the paint job and visual condition of your car is the first thing that a buyer will notice.

Keep Mileage to a Minimum

Mileage is one of the key factors that affect the resale value of your car. It’s simple: more miles equal lower value and fewer miles equal higher value. To keep your resale value high, consolidate trips, carpool where you can, consider commuting a few days a week, and rent for longer road trips. This all adds up.

Don’t Eat, Drink or Smoke in Your Car 

In terms of tips to maintain the value of your car, this is the easier. Your vehicle is not a restaurant or dining room so avoid eating and drinking inside your car. This could result in a mess with wrappers, stains and spills.

Don’t smoke and don’t let anyone smoke in your car. Cigarette smoke leaves a car with a distinct odor and stains the interior surfaces to a dull and yellowish-brown shade. 

Check Your VIN Report

Your vehicle identification number (VIN) report discloses the history of your car including changes of ownership, accidents, servicing, etc. This is usually the first document prospective buyers often pull before even looking at your car. 

Check your VIN report from time to time to be alert of all the activities. This will help you identify any urgencies or incorrect information. If you see anything suspicious, contact the company that reported the incorrect information to correct the error. 

Be Prepared and Drive Well with Allstate 

Allstate Burbank can help keep you on your feet if you ever deal with any questions about your car or more tips to maintain the value of your car. Get in touch with us to learn more about how Allstate Burbank can protect you, and make sure to visit me on Facebook, Google+ and Twitter to stay updated on all the latest news from Allstate.

Car Insurance Frequently Asked Questions | Car Insurance Options

Understanding all of the options available when it comes to car insurance can be complicated.  It can be hard to know what options to choose, based on what’s required by law and what are among the best car insurance options for you.

Below are some of the most common questions most people have about car insurance coverage to help you maneuver through all of the options.

What is the minimum amount of coverage needed? 

The amount of coverage required varies state-by-state.  For most states, the minimum requirement is liability insurance coverage, which covers any injuries or property damage that you are at fault for.  In addition, each state also has a minimum level of coverage for each type of insurance.  To check what kind of coverage and what the minimum coverage amount is where you reside, click here.

What car insurance options are there? 

There are different types of car insurance, depending on what kind of coverage you’re either required to have or desire.  Below are the typical car insurance options and what they cover.

Liability Coverage – Covers any property damage or injuries caused by you in an accident.  Does not cover your own persona injuries or property damage.

Personal Injury Protection – Covers any claim that you may file with your own medical insurance for any medical costs associated with an accident, whether you or another party is at fault.

Uninsured Motorist Coverage – Covers any costs for medical treatment, pain and suffering and lost wages to you (or your passengers) incurred from a car accident caused by another party that does not have insurance.  Some states require a certain level of uninsured (or underinsured) motorist coverage,

Collision Coverage – Covers any necessary repairs to your car in the event of an accident, whether it’s crashing into another vehicle, an object, or rolling over.  It also will cover any replacement costs in the event that your car is totaled and deemed inoperable.

Comprehensive Coverage – Covers to help pay for repairs to your car (or the replacement of your vehicle) as a result of damage caused by non-accidents, such as vandalism, fire, theft, falling objects, hitting an animal, or natural disasters.

Rental Reimbursement Coverage – An optional coverage to help cover any costs associated with renting a car while your vehicle is being repaired from an auto accident, vandalism, or a natural disaster.  You can typically choose between renting a car from an approved provider and having the provider bill your car insurance company directly, or you rent from a provider of your choice and pay for the cost upfront and then seek reimbursement.   You will need to consult your insurance company to determine what terms and conditions apply, such as a per-day or per-accident limit for coverage.

Towing and Labor Coverage – Covers the cost for emergency roadside assistance, for such expenses incurred from needing a tow, tire change, battery service, fuel delivery, or assistance with opening your car doors.  

What happens if I damage my own car? 

Accidents happen and it doesn’t necessarily mean that another party is involved.  Perhaps you didn’t notice the pole when backing up your car or you accidentally hit the gas instead of the break and hit something.  Any damages to your own property can be covered with comprehensive coverage.

What happens in a hit-and-run accident? 

Any damage to your car can generally be covered through collision coverage, with the exception if you are in what is known as a “no-fault” state.  You may wish to explore what is known as no-fault insurance coverage.

Am I covered if I drive another person’s vehicle or a rental vehicle?

The answer is generally, yes.  However, the other party’s insurance company should typically cover you first and then any insurance coverage that you have should cover any costs that the other party’s insurance may not.  You can also purchase additional insurance coverage from the car rental companies when renting a vehicle.  You should check with your insurance agent about whether or not your current coverage is sufficient enough for you in the event you are in an accident.

If I’m injured, will my insurance cover my medical bills? 

If you are injured in an accident, the costs associated with your medical treatment are covered depending on who is at fault and what kind of coverage you have.  If you are not at fault and you live in a no-fault state, it is the other party’s insurance company and liability coverage that is responsible for paying your medical bills.  If you are at fault and you live in a no-fault state, your medical expenses can be covered with personal injury protection coverage.  If you are in an accident with a driver without insurance (or insufficient insurance), your medical expenses may be covered by uninsured insurance coverage.

How does car insurance work when you’re traveling out of state or out of the country? 

Most insurance policies should cover you driving within the continental U.S. and Canada, but you should check with your insurance company to be sure.  If you are driving while visiting another country, you will also want to check your insurance company, because coverage varies.  Most insurance companies have the option for international coverage.

How much coverage should I get and what should my deductibles be? 

The amount of coverage you get should depend on a number of factors, such as what you are legally required to have by the state you live in.  Additionally, you will want to take a number of factors into consideration.  Your insurance agent can go over your particular needs and circumstances to determine what’s best for you.  Similarly, the deductibles you choose really depend on how much you want to pay in premiums, versus paying when there’s an incident.  Your insurance agent can go over the different options for you and find the right amount of coverage you need at an affordable cost.  To get a free quote and find an Allstate agent to assist you, click here.

Once I have car insurance, is there anything else that I need to do? 

Once you have car insurance in place, the only thing that you will want to do is make sure that you pay your premiums on time to avoid any lapse in coverage and also notify your insurance agent if any circumstances in your life change, which may require additional (or even less coverage).  

Hopefully these common questions and car insurance options help answer some of the questions that you may have about car insurance.  If you have a question not answered, the qualified and licensed agents at Allstate are waiting to help you!  To locate an agent in your area, click here or call us 24/7 at 1-877-810-2920. 

What is Renter’s Insurance? | Renter’s Insurance Definition

What Does Renter’s Insurance Include? 

Even if you do not own a home to insure, you still need to consider what you need for insurance.  Renter’s insurance can help in the event of unexpected situations.  If a visitor is injured or a break-in occurs, renter’s insurance will help to protect you and your possessions.

Personal Property Coverage

People often do not realize the value of what they own.  The cost adds up quickly when you add up all of your possessions and consider what it would cost to replace them if you lost everything.  Personal property coverage can help to cover your belongings if they are damaged in a fire or if they are stolen.

Protection usually applies to certain risks, also called perils, such as fire and theft.  If someone breaks into your rented home and steals anything or if there is a fire and your belongings are ruined by the resulting damage, personal property coverage may help to pay the cost of replacing your items.  
Make sure you know your coverage limits as there is a maximum amount that your policy will pay out for the replacements.  Read your policy carefully and speak you’re your insurance broker if you have any questions about the coverage.

There are some different choices when you purchase a policy:

• You will set coverage limits that will protect your belongings.  It is a good idea to make a home inventory and itemize everything.  By the item write down the cost or approximate cost so you know what it would cost to replace.
• Some policies provide actual cash value protection.  This means that items will be covered up to their current market value.  
• Other policies provide replacement cost coverage.  This will help you to replace items at the retail price.

Personal property coverage does not protect everything you own or it only protects it up to a maximum value.  Items such as jewelry and coin collections have limited coverage with a standard policy and if you have such items you may consider adding them to the policy under scheduled personal property coverage.  To do this, will need an appraisal that shows the value of the item so that you can get the necessary amount of protection.

Liability Coverage

A renter’s insurance policy can also include liability coverage.  If you are found legally responsible for injuries to other people or damage to their property, this coverage can protect you from having to pay damages out of your own pocket.

If somebody trips and falls in your home they may hold you responsible for medical bills.  In another instance, your child may accidentally throw a ball through a neighbor’s window.  Liability coverage may help to cover the costs of the damage.

Again, there will be limits that the policy will pay out.  Find out what they are and if you feel you may benefit from having higher limits, talk to your agent to see what is available.

Additional Living Expenses 

Additional living expenses will be handy if something happens to the home and you are unable to live in it.  If the home is damaged by a fire and you have additional living expenses on your renter’s insurance, it will help you to pay increased costs while you are out of the home.  It may cover food and/or hotel depending on the amount of coverage you have.

Other Considerations 

Keep in mind that, as with any insurance policy, you will likely need to pay a deductible.  Your deductible amount depends on the premium that you pay for insurance.  A higher deductible means a lower cost for the policy but will cost you more if something happens.  You can lower your deductible by paying a slightly increased premium.  

If you have questions about renter’s insurance, the professionals at Allstate Insurance Company will be able to help you out. You can find an agent or get a quick quote online!

How to Choose Life Insurance|How Much Life Insurance Do You Need?

How Much Life Insurance Do You Need?

There are few things that are guaranteed in life. Unfortunately, one of them is the fact that it is temporary. Death can come whether we’d like to believe it or not and without much warning. To be sufficiently prepared you must know that the people you are leaving behind are taken care of. Life insurance is a way to ensure that your loved ones will be able to carry on their lives without dealing with financial struggle. But just how do you choose life insurance?

Life insurance is not a lottery. One does not just pick a number that sounds good and carries on until the day they pass. There is an art to calculating the ballpark number that would keep your family financially comfortable just as when you were alive. Don’t stress out about the prospect of death before it comes, just be prepared. Insure your life, so that your loved ones can live theirs. 

How to Choose Life Insurance: Factors 

Where You Are in Life

What point in your life have you reached? Should you even start to consider how to choose life insurance? For most people, life insurance may be a thought when they start a family, are nearing retirement or are at a certain age in life. Although accidents may happen every day, it is important to consider how your health can may affect death. Life insurance isn’t about you at all, it’s for your loved ones. Spouses and other dependents like children are essential people to consider when evaluating your possible life insurance. Life insurance should be large enough so that your dependents can live as if you were still alive providing a consistent income. Tools like life insurance calculators make how to choose your life insurance an easy task. There are various factors you should consider when thinking about your finalized life insurance total.

Income Replacement

Consider your net annual income. Life insurance plans are finalized as a set amount and mapped out over a specific amount time. For instance, if you make $45,000 and get a plan for 10 years, you should have finalized a plan for $450,000. This way your family will live with a consistent income as when you were alive. Once you have your targeted income per year nailed down and an estimated timeframe, it is crucial to then factor in your place in life. Whether you are a provider with small children or a provider with teenagers, where you and your family are in life matters. Children will typically depend on their parents until 18 and sometimes even beyond that age. Will your loved ones have enough for school over the years, other life expenses and college? This may be cause for a larger life insurance plan to keep your family out of financial distress. If you have young adult dependents, one may not need to invest in a large life insurance plan, because soon enough those dependents will be on their own. You will need to devise a plan that fits your loved one's expenses for as long as you see fit for the future. 

The most common life insurance plan is set for 10 years, but again, it is all relative to what you see fit for your dependents. If you arrange for a life insurance plan for 10 years, it is recommended that you provide your dependents with the income you have been providing as you had when you alive. This is just considering your base yearly income with no cushion for inflation. Another important financial factor to consider is whether or not you have money saved. If you have enough money saved, a lesser life insurance plan might work for your family. Maybe you have assets that could also shave a few years on your life insurance plan. Figuring out your dependents possible financial needs is a balancing act. All financials must be accounted for to narrow down your life insurance plan. 

What Do You Owe?

It is critical to consider what you owe currently as you are devising your life insurance plan. Debts and loans are some of the most important things to consider when you are thinking about your total life insurance cost. Debts and loans do not die with you. Your loved ones will need enough money to pay off any remaining debts or loans you leave behind. Another thing to consider is your mortgage. If you still have a mortgage, it is necessary for you to financially prepare your family to be able to pay that off. 

Future Expenses

Life insurance plans must also account for any future expenses that may arise over time. If your children need to go to college, it should be reflected in your insurance plan. Estimate how much each dependent would need to complete college so that they can receive the education you had hoped for them. Make sure your family has enough to pay for your funeral with your life insurance money. It will be your last expense in this world, relieve your family of the financial burden of the funeral with the money you factored into your plan. Even if you may have no dependents, it may be a concern for some to be able to pay for your funeral. Sometimes it may be a thought for some people to plan to cover their own funeral costs in a smaller life insurance plan done specifically to cover their funeral. 

When and if you feel that you are in the right spot in your life to consider life insurance is up to you. To find out more about life insurance contact your Allstate agent to help you devise a perfect life insurance plan to keep your loved ones financially safe when you’re gone. 

Safe Riding Tips & Motorcycle Gear

As the weather starts warming up, many motorcycle aficionados are pulling the covers off their bikes and heading out for some pre-spring rides. With this in mind, we want to give riders, both the experienced and those that may be firing up a bike for the first time in the coming months, a few tips to stay safe as they hit the open road.

Plan Your Route Carefully

First and foremost, it's important to have a good idea of where you’re going, and what the weather is going to be like. Motorcycles are affected far more than cars by not only the road surface you’re driving over, but also weather conditions. It's important for comfort, as well as safety, that you have a good idea of the weather conditions you will be facing on the road. Rain, snow, and other adverse conditions can have a serious effect on your ride, and your ability to ride safely. Always check the weather before you set off.

Must-Have Motorcycle Gear

Helmets aren’t fun. They heat up. They can be heavy. And they look a little less than cool.

They will also save your life. Most motorcycle deaths and disabilities are caused by head injuries, which should encourage anyone to wear a helmet. By getting on a motorcycle, you’re already 16 times more likely to suffer fatal injuries in an accident than someone in a car, so it's incredibly important to minimize risk as much as you can. Also, it may be more convenient or “cooler” to ride without a helmet, but really, it's a needless risk. Even the Hell’s Angels tend to wear helmets.

The other thing to consider is proper coverage to prevent road rash. It’s no secret that laying a bike down and getting exposed skin scraped along the asphalt can cause some serious damage, but wearing full padding or riding leathers can lead to heat-exhaustion and dehydration. It's important to not only select something that’s heavy-duty enough to afford you some protection in the event of a crash. We recommend a heavy-duty long sleeve shirt, jeans, and boots at minimum. Of course, modern motorcycle gear tends to be well ventilated, so you can also look there. You should also make sure you have at least one pair of gloves, as well as goggles or impact-rated glasses if you have an open-faced helmet.

Keep Up on Motorcycle Maintenance

One of the most important things you can do to keep yourself safe on a motorcycle is to keep your bike well maintained, and in good shape. Some things to look out for regularly are:

● Oil Changes

● Tire Wear

● Fluid Levels

● Rust

● Steering Bearings

● Clutch Cable

● Brakes

● Spark Plugs

● Shocks (particularly rear shocks)

● Idle Speed

It’s important to become familiar enough with your particular motorcycle that you can recognize when something isn’t right. If something feels, or more often sounds wrong, there’s no shame in asking a more knowledgeable friend or more experienced rider for their opinion. There are also numerous forums and other online hangouts that can point you in the right direction when it comes to fixing that squeaky bearing, or chasing down that mysterious rattle.

You should also consult the manual that came with your bike, or find a copy online if you bought second-hand, and make sure you’re replacing, changing, and otherwise maintaining things according to factory recommendations. And remember, especially as you get into high-mileage ranges, you’re not likely to cause any harm if you change the oil too often, but letting maintenance lapse can quickly become an expensive, or even deadly mistake. 

Keep Emergency and Repair Supplies Close

Keeping a supply of emergency materials on hand can be the difference between a minor inconvenience and a potentially dangerous situation. Whether you’re riding by yourself or in a group, you should always have a cell phone, CB radio, or other communication device to call for help if something should go wrong. You should also carry basic motorcycle gear such as a bottle of water, any medications you need (particularly something like insulin that needs to be taken regularly), and a basic first-aid kit. We also recommend keeping a few roadside emergency tools on your bike, such as LED road flares, a flashlight, and a basic toolkit. You’ll also want something like Fix-a-Flat to repair a puncture and get you back on the road. Finally, a small fire extinguisher is never a bad idea, and can keep a bad day from becoming much, much worse.

Insurance is just as important as a helmet or first aid kit. Contact Allstate today for the most comprehensive motorcycle insurance coverage on the market. 

How to Choose the Right Tire | Tire Maintenance

Choosing the Right Tires and Making Them Last

It may be tempting to think that all tires are basically the same, but this is not the case. In fact, choosing a good quality set of tires that’s right for your car and driving patterns can make a huge difference. For one, the low-quality tires and tires that aren’t right for you will need to be replaced far more frequently, leading to potentially huge costs to you in the long run, even if they are cheaper now. Tire maintenance, tire pressure, and size all need to be taken into consideration. The right set of tires can be the difference between getting in an accident and avoiding it. Let’s take a look at some driving safety tips and how the rubber meets the road.

How to Choose the Right Tire

With all the sizes and options available, choosing tires can be overwhelming, but it doesn’t have to be. With just a little guidance, you can have the know-how to pick the right tires every time.

Know the Size You Need 

The recommended tire measurements for your car can be found in your owner’s manual or the placard on the jamb of the driver’s side door. It will look something like this: P215/60R16 94T. This might look complicated, but don’t worry, it’s actually quite simple. The first part of that long string of numbers and letters (P215/60R16) tells the tire’s measurements, such as the width and diameter. The last set of numbers (94) is the load index, which describes the amount of weight the tire can support. That T at the end refers to the speed rating, or the tire’s maximum speed in relation to the load index. When buying tires, it is essential to match the measurements exactly, but you can choose tires with a higher load index or speed rating if you’d like to.

Determine What Type is Best for You 

In addition to the wide variety of sizes, there are also a number of tire types to choose from:

●     All-season tires offer solid traction and long mileage for a variety of weather conditions throughout the year. These are a common choice for SUVs and mainstream cars.

●     Performance all-season tires are a popular choice for car enthusiasts. These tires tend to have superior cornering grip when compared to typical all-season tires, but tend to not last as long.

●     Ultra-high-performance all-season and summer tires are generally used on sports cars and performance sedans. These tires have even better grip, especially at higher speeds, but again at the cost of shorter wear.

●     All-season and all-terrain truck tires are ideal for the hauling and towing needs of light pickups and SUVs. All-terrain tires tend to have a dramatic tread pattern to help off-road traction.

●     Winter or snow tires feature busy treads to allow for traction in the ice and snow. These tires often feature a mountain and snowflake symbol on the sidewall for easy identification.

How to Make Your Tires Last 

Now that you’ve picked out a set of tires, you’ll want to make sure that they stay in the best condition possible for as long as possible. This makes sure you get the most out of your investment and minimizes the chances of unpleasant surprises resulting from damaged tires.

Maintain Your Tire Pressure 

Proper tire pressure can make your tires last longer, but can also improve your gas mileage and is essential in ensuring good traction and handling. Check your tires whenever you stop for gas, looking for bulging sidewalls that could indicate low pressure. Check your tire pressure about once a month with a quality pressure gauge. You can use either a digital gauge and pencil-type gauge. If your vehicle has a tire pressure monitoring system (TPMS), a warning light should let you know when your tire pressure is low. Check wherever you found your tire info for recommended tire pressure levels.

Rotate and Balance Tires 

Rotating your tires lengthens their lifespan because the front tires wear faster than the rear tires. Balancing tires reduces vibration, which can cause wear on your tires. Have your tires rotated and balanced at every other oil change. This can often be done for no cost at the tire shop where you purchased your tires.

Avoid Road Hazards 

Many of the same things that can lead to accidents, like not maintaining a safe distance between vehicles, driving too fast, and driving on rough or damaged roads, can also lead to tire damage. Hitting a pothole even at speeds as slow as 20 mph can damage tires beyond repair. If you can’t avoid a pothole, it is safer to go straight through it rather than over the edge. This is one of the few driving safety tips that most drivers do not adhere to. You should also try to slow down as much as you safely can. Finally, properly inflated tires are less likely to sustain damage, so this is just one more reason to check your tire pressure.

Car Insurance from Allstate 

Even if you choose the best tires available, bad things can still happen. That’s where Allstate auto insurance comes in. Our dedicated agents can provide you with the guidance  and driving safety tips you need to make sure that you’re covered when you need it most. Browse our automotive insurance policy options, then contact your local Allstate agent to make sure that you’re in good hands for whatever life throws at you.