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.

Holiday Travel Tips & Vacation Tips

HOLIDAY TRAVEL AND VACATION TIPS

There’s no question that Southern California is blessed with mild weather conditions year-round. No need to get the snow shovels out or chain those tires, we have it made in the sun. However, many families look forward to visiting the snow and the mountains during the holiday season, it’s exciting and a welcomed change from the norm. While the last thing on anyone’s mind is safety precautions during a vacation it is good to be prepared during unusual weather conditions, at least unusual for most of us. It’s also beneficial to remember to keep your home and belongings protected while you’re away enjoying your vacation. As your local Allstate Burbank agent I’ll take you through a few holiday travel tips so you can relax and have a safe, happy winter vacation.

Driving Safety in the Snow and Mountains

Driving to the mountains could take around a couple to a few hours, and in that time weather conditions will alter drastically. Independent Traveler has some vacation tips to ready you and your vehicle for the icy roads.

1.     Pack Extra and Emergency Items: Extra supplies and clothing could be helpful if your car breaks down in cold weather conditions. Coats, flashlights, extra batteries, and a windshield scraper are all things to consider bringing along while you’re packing.

2.     Check your Vehicle: Either you or your mechanic should inspect your vehicle and tires for winter readiness. Make sure your windshield wipers, brakes, defroster, heater, and exhaust systems are all in working and good condition.

3.     Keep a Safe Speed: Be mindful to slow down on icy roads, slowing down about 50% is what The U.S. Department of Transportation recommends.

4.     Don’t ‘Hug’ the Center Lane: Many mountain roads are narrower than your average highway lane, by hugging the center lane it could create a hazard with another vehicle that is also traveling near the center.

5.     Cars going Uphill have the Right of Way: Just a driving reminder to allow these passing vehicles the right of way. It’s also important to note that cars do not perform as well as at 10,000 ft than at sea level so allow them plenty of time to pass.

6.     Prepare for Quick Weather Fluctuation: From sunny to snowy, the mountain weather could be pristine one minute and a storm the next. Be more observant and courteous on the road. If other cars appear in a hurry allow them to pass. Add a special solvent to the windshield washer reservoir so there is no icing on your window. Bringing chains, an ice scraper, small broom and hand shovel is also beneficial. There may be a point where you have to dig out your tires from the snow.

7.     Skip the Cruise Control: Cruise control could accelerate during the time you least want it to such as going over an icy bridge or animal crossing.

8.     If Stranded:  If your car stalls make sure to stay with it as vehicles are far more easier to detect than pedestrians in the snow. Run the engine for heat, if you do not want to run it the entire time keep windows closed to keep heat in and run the car for 10 minutes every hour with a front window open as you do so.

9.     Take Frequent Breaks: Driving through mountain terrain can be more tiring than flatlands, keep hydrated and if you have a long distance to drive consider driving only up to 6 hours per day.

10.  Relax and Have Fun: Not exactly a tip, but we here at Allstate Burbank want you to enjoy your time up on your holiday vacation, enjoy the scenery and have fun in the snow!

Easy to follow holiday travel tips like these will keep you vigilant and ready while you venture out onto the mountain terrain while also letting you take in the view and the feeling of driving through beautiful snow.

Peace of Mind That Your Home is Safe

While you’re away enjoying your holiday your home should be protected, taking a few extra precautions can go a long way in keeping your things at home safe. Following these easy holiday travel tips from Home & Garden will help you enjoy your vacation up north without having to worry about what’s going on back at home.

1.     Have a house or pet-sitter stay over. Having someone like a close friend or relative stay in your home can be the best solution to keeping all your belongings safe as well as upkeep your home. You can also hire a house or pet-sitter from a trusted agency.

2.     Make sure no mail is stolen by calling your post office and asking them to hold it for you until you get back. Post offices can keep mail for up to 30 days.

3.     Don’t let your house look unoccupied for too long. Having a pile of newspapers sitting on your front porch might draw some unwanted attention. Stop newspaper services while you’re out of town. It’s a small detail that can make a big impact.

4.     Newspapers and mail will be able to be stopped while you’re gone, but there are still few snags to worry about. Doorknob flyers and yellow page book can give away your absence. Ask a neighbor or another trusted individual to take down these red flags.

5.      Create the illusion that your house is lived-in. Invest in a timer that turns on your interior and exterior lights for a few hours each evening and ask your neighbor or a trusted individual to take out the trash for you. To people passing by it’ll look like just another normal day at your house.

6.     That outside appearance is just as important as the inside. If you mow your lawn or trim your hedges weekly and will be gone for an extended period of time think about hiring a service to upkeep your lawn.

7.     Such an obvious thing to do, but sometimes forgotten is to keep all your windows deadbolt shut. Normally you might keep your kitchen window slightly open when your home so it’s easy to forget about this easy task. This small task being forgotten could be a literal window of opportunity for a burglar to seize.

8.     Be a little precautious on who you tell about your trip. That’s not to say you should be suspicious of everyone, but some information is best kept within your circle of trusted friends and family. Letting it pass to the wrong people could be potentially dangerous.

9.     Consider turning off electronics and appliances. You can save money by unplugging computers, coffee pots, and your television. Also turning off your garage door can stop thieves from opening it with a universal remote.

10.  Another more obvious way to protect your home is with a security system in place. These features work when you’re away, asleep, awake, or just out in your backward. It can be discreet or very visible, either way it does it’s job of protecting your home.

While some of these vacation tips may seem too obvious and others too small a detail to think or worry about all of them can be great deterrents for any potential burglars looking for an easy steal.

Allstate Can Help Lessen the Worry

We here at Allstate Burbank want to help you be prepared to avoid any unwanted events with our holiday travel tips while you’re enjoying your vacation. Unfortunately even being prepared isn’t a guarantee of absolute safety being properly insured can help in this circumstance. Having both auto and homeowners insurance will put you back on the right track and I can provide the right insurance to suit your needs.

Auto Insurance After an Accident or if Damaged

Two types of coverage to consider while you're driving through the snowy mountains are collision and comprehensive coverage. Collision coverage pays for damage to your car if you collide with another car or something else such as a bridge or tree. If someone hits your parked car, this is considered a collision as well. Comprehensive coverage pays for damage to your car caused by something other than a collision such as theft, fire, windstorm, other natural disasters, or hitting an animal.

Homeowner’s Insurance in Protecting your Belongings

There are a few different types of homeowner’s insurance that protect your home from a variety of cases. Personal Property Protection will provide monetary coverage in the event that your belongings are stolen or damaged. When considering this option come to talk to me about the different levels of monetary coverage that would adequately benefit you and your home.

Enjoy Your Vacation and Let Us Do the Work

Vacations are about forgetting your worries and taking time for yourself and your loved ones. Keeping some precaution in mind with our vacation tips whether it be while you’re driving in the unpredictable mountain terrain or while you’re away and your home is unattended lets you enjoy your time off all the more. Having Allstate homeowner’s and auto insurance will also keep them in good hands in the event that things don’t go right. Be it before or after an incident Allstate has your best interest at heart this vacation season.