This Newsletter Brought to you by Nisswa Insurance ~a Strong Company
Global temperatures are on the rise, and extreme weather is one of the most pressing issues of our time. As the Earth’s climate changes, our insurance premiums will too. Here’s what you need to know.
Are insurance premiums going to rise because of climate change?
Global temperatures are on the rise, which is causing climate change. And with climate change comes an increased risk of natural disasters like hurricanes, earthquakes and wildfires. These disasters can cause extensive damage to property, and as a result, insurance premiums are likely to rise.
How big of a rise can we expect?
It’s difficult to say for sure, but experts believe that insurance premiums could go up by up to 50% in the next decade. This is because the risk of natural disasters is increasing as the Earth’s climate continues to change.
What can I do to protect myself?
Unfortunately, there’s not much that individuals can do to protect themselves from the effects of climate change. However, you can take steps to reduce your risk of a natural disaster happening in the first place. For example, you can make sure your home is properly insured, and you can have a disaster plan in place.
Disasters can happen anywhere in the world, so it’s important to be prepared. If you live in an area that’s prone to natural disasters, make sure you have an evacuation plan and some emergency supplies on hand. And if you do experience a natural disaster, make sure to contact your insurance company as soon as possible.
Flooding is becoming more frequent and extreme.
Flooding is a common natural disaster that can cause serious damage to property. Even a few inches of water can cause extensive damage, and many homeowners and renters insurance policies do not cover flood damage.
Homeowners and renters who want to protect themselves from potential flooding damage should consider purchasing a flood insurance policy. Flood insurance policies are available through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA).
The NFIP offers two types of flood insurance policies: standard and excess. Standard policies provide up to $250,000 in coverage for building damage and $100,000 in coverage for personal property. Excess policies provide up to $500,000 in coverage for building damage and $500,000 in coverage for personal property.
Flood insurance policies are not available in all areas. Homeowners and renters who want to purchase a policy should contact our office to see if coverage is available in your area and what the cost might be
In general, the higher your risk of flooding, and the coverage you need, the higher your flood insurance premiums will be. However, there are a number of ways to reduce your premiums, including raising your deductible and taking steps to reduce your risk of flooding. Please call our office at 218-963-1000 for more information.
Automobile accidents happen every day in the Northeast. Although no one wants to experience an auto accident, knowing what to do in case one happens to you could soften the impact on your life in the days and weeks to follow. You purchase Northeast auto insurance to help you through accidents when, or if, they happen. If you have an auto accident, we are here to help you. You may always call us to help you through the process.
If you are involved in an accident, think about your safety and those around you before thinking about insurance. The first priority is to check for injuries at the scene. Call 911 for medical help if anyone at the scene is injured. Notify the police as soon as possible.
Try to protect the scene; don’t move vehicles unless the police instruct you to.
Obtain the names, addresses, and telephone numbers of all persons involved, including passengers and witnesses. It is a good idea to look at drivers licenses. Record the license plate numbers of all cars involved. Get complete Insurance information, including policy numbers. Having the agents name and number is also beneficial.
Never admit an accident was your fault, even if you think it was. An apology can be construed as an admission of fault. Let the authorities determine who was responsible. Auto accidents can be disorienting even if you are not physically injured. You may not be aware of all factors leading up to the crash.
Contact our office, we are here to; help. Contact your insurance company as soon as possible, even if damages are minor.
You have the right to take your car to the repair shop of your choice. It can be beneficial to get two quotes as pricing and quality vary.
Use your smart phone to take pictures before vehicles are moved. It provides documentation.
We are here to help you with your auto insurance needs. We have access to many insurance products and can provide you with competitive premiums. We offer auto liability, auto collision and auto comprehensive coverage.
Protect what matters most to you with Nisswa, MN. Car, Home, Health, Life & Business insurance. We offer the best combination of competitive rates, coverage and personal service in Nisswa.
Nisswa Insurance ~ A Strong Company, provides Business, Auto, Home Insurance and HR Services in Nisswa, Baxter, Brainerd, Pequot Lakes and throughout the state of Minnesota.
The Nisswa Insurance team is committed to providing clients with the highest quality insurance plans available. With all the challenges facing organizations and families today, no one has time to become an insurance expert. Instead, you need an experienced team who can analyze the various options open to you and provide the option that will fit your needs. Then you're in a position to make a knowledge-based decision.
These Cool Tips Brought To You By Nisswa Insurance ~a Strong Company
Summertime can be a lot of fun, but it’s important to remember to take precautions when it comes to your pets. Make sure to keep them hydrated and cool, and never leave them in a car unattended. By following these tips, you can help ensure that your pet has a safe and enjoyable summer.
* Make sure they have access to plenty of water.
* Create a shady spot for them to relax in.
* Place ice cubes in their water dish.
* Run a fan near them.
* Place a frozen bottle of water on the floor for them to play with.
* Give them frozen treats or frozen bones.
* Take them for walks or play with them in the yard in the early morning or evening when it's cooler.
* Buy a pet cooling mat.
* Watch for signs of heatstroke in pets, which can include excessive panting, drooling, vomiting, and loss of coordination. If you think your pet may be suffering from heatstroke, call your veterinarian immediately.