1. The Importance of Preparing Your Home for Cold Weather 

The transition into winter can be a real frosty wake-up call for homeowners. With the chill in the air comes a whole new set of challenges—frozen pipes, heater breakdowns, and all the snow and ice that winter throws your way. That’s why a winter home maintenance checklist is your best defense. Preparing your home for these icy conditions isn’t just about staying cozy—it’s about protecting your home’s value and avoiding those nightmare repairs that can lead to an insurance claim. Winterize your home now, and you’ll be ready to tackle the season without worry, keeping your space warm and snug no matter what Jack Frost has in store! 

2. Keep the Warmth In: Insulation and Sealing Tactics 

One of the most important winter home maintenance tasks is ensuring that your home stays warm without running up the heating bill—especially in really cold areas like New York or Colorado. The key to doing this is making sure your home is well-insulated and properly sealed. Winterproofing your home begins with these essential steps to keep the warmth inside. 

• Weatherproof windows and doors: Seal gaps with weatherstripping or caulk to prevent drafts and keep heating bills down. Consider upgrading older, drafty windows or using plastic insulation film. 

• Insulate pipes: Protect exposed pipes in attics, basements, and crawl spaces from freezing by adding insulation. Letting faucets drip can also help prevent burst pipes. 

• Add insulation: Ensure your attic is properly insulated to keep heat in and save on energy costs. 

3. Safeguarding Systems: Heating and Fireplace Readiness 

Your home’s heating system will be working overtime during the colder months, so it’s essential to ensure it’s ready. Many homeowners mistakenly think homeowners insurance covers all heating issues or fire hazards. However, insurance myths can leave you unprepared, as certain damages might not be covered. Be sure to understand your policy’s exclusions and schedule a furnace inspection to avoid issues this winter. Here’s how to keep your heating system in top shape: 

• Furnace maintenance: Get an annual inspection, clean the furnace, change filters, and check for issues. 

• Chimney and fireplace: Clean the chimney, and ensure the damper and flue are open before use. 

• Test your thermostat: Ensure accuracy and consider a programmable thermostat for energy savings. 

4. Rooftop Vigilance: Protect Against Winter Elements 

Your roof is your first line of defense against winter elements. A well-maintained roof will prevent snow, ice, and rain from leaking into your home. 

• Inspect your roof: Have a professional inspect your roof for missing shingles, cracks, or damage. It’s better to address any issues before the first snow or heavy rain. Preventing leaks now will save you from costly water damage down the road. 

• Prevent ice dams: Ice dams can form on your roof if it’s cold enough and block the flow of water. To prevent this, ensure that your roof stays at an even temperature by adding insulation and improving ventilation. 

• Clear gutters: Clean out your gutters of debris to prevent snowmelt from backing up and potentially damaging your roof. Clogged gutters can cause water to freeze and form ice dams, leading to leaks and water damage. 

 5. Plumbing Priorities: Dodge the Freeze and Leaks 

Frozen pipes are one of the most common and costly winter problems for homeowners. To prevent this, make sure your plumbing system is winter-ready. 

• Pipe insulation: Insulate exposed pipes, especially in unheated areas like attics, basements, and crawl spaces. This will protect them from freezing in extreme cold. 

• Know your shut-off valve: Be familiar with the location of your main water shut-off valve. In case of a burst pipe, shutting off the water supply immediately can help prevent extensive damage. 

• Leave faucets dripping: In extreme cold, leaving faucets slightly open can help prevent water from freezing in the pipes. 

6. Emergency Preparedness: Essentials for Power and Supply Shortages 

Winter storms can cause power outages and disrupt supply lines, so it’s essential to be prepared for the unexpected. Keeping your home in good shape to handle these emergencies can help avoid extra costs down the road. Don’t forget that hidden costs of homeownership, like emergency repairs or system breakdowns, can pile up quickly if you’re not ready. Here are some winter homeowner tips to ensure you’re ready for emergencies: 

• Check your backup power supply: If you rely on a generator for backup power, test it regularly to ensure it’s working properly. Keep extra fuel on hand in case of a long power outage. 

• Stock up on essentials: Make sure your pantry is stocked with non-perishable foods, bottled water, and medications. It’s also a good idea to have extra batteries, blankets, and flashlights available for emergencies. 

• Create an emergency kit: In addition to food and water, include a first aid kit, personal hygiene items, and extra clothing in case you need to wait out a storm. 

7. Outdoor Considerations: Protecting Property and Safety 

Be sure to consider the exterior of your home when preparing for winter. A few small steps can keep your property safe and prevent potential hazards. 

• Trim trees and shrubs: Dead or overhanging branches can pose a risk during heavy snow or wind. Trim back any branches that could fall on your roof, power lines, or driveway during winter storms. 

• Snow removal equipment: Make sure you have the necessary tools for clearing snow from your driveway and walkways. Keep a snow shovel, ice melt, or a snow blower handy to keep paths safe. 

• Inspect outdoor lighting: Ensure that your outdoor lighting is functional so you can navigate your yard and walkways safely during winter months, especially when daylight hours are shorter. 

8. Tech Check: Stay Safe with Functional Alarms 

Your home’s safety systems are critical during the winter months when you’re relying on heating and electrical systems to stay comfortable. 

• Test smoke and carbon monoxide detectors: With the increased use of heating systems and fireplaces, it’s important to ensure that your smoke and carbon monoxide detectors are working properly. Replace batteries and test the devices monthly. 

• Update security systems: If you have a home security system, check that it’s fully functional and has fresh batteries in any backup systems. A security system can give you peace of mind during the winter months when you’re away from home. 

The Ultimate Winter Home Maintenance Tip: Homeowners Insurance 

While winterproofing your home is crucial, accidents can still happen. Be sure you know what your homeowners insurance covers. Review your coverage to ensure it covers winter-related issues like roof damage, plumbing failures, or fire hazards. A solid policy can ease the financial burden of unexpected problems. Ready to take your home protection to the next level? Get a quote online, call us at 800-836-2240, or visit an InsureOne office near you. 

But just what is hazard coverage for your home, and what can your existing policy do for you in the face of certain hazards? Keep reading to find out. 

Understanding Hazard Insurance: What It Is and What It Covers 

Hazard insurance protects your home from natural events and is a standard part of various types of homeowners policies. Those events include fires, storms, sleet, and anything specified in your plan documents. 

Knowing what is and is not covered by your existing policy is very important. This type of coverage is designed to supplement what would otherwise be gaps in your home’s protection. By understanding why home hazard insurance is such an important part of your homeowners policy, you can determine whether your coverage is adequate for your family’s needs. 

Why You Need Home Hazard Insurance: Protecting Your Property and Investment 

In most cases, hazard insurance is part of your existing homeowner’s policy. It serves an essential function: to allow you to rebuild after natural events that can cause catastrophic damage. 

Another way of looking at this coverage is that much of your existing policy is designed to protect you from very different threats, including the threat of getting sued by someone who gets injured while visiting, in case you are liable. By contrast, home hazard coverage primarily protects you financially if the physical structure of your home is damaged. 

Hazard Insurance vs. Home Insurance: The Key Differences Explained 

In short, homeowners policies are designed to cover the home as well as things like your personal property, in the event of damage or theft, and liability, which helps pay for the medical bills of those injured on your property and, if necessary, pays for your legal bills if the injured party takes you to court. 

The hazard portion of a homeowners policy is designed to protect the structure of your house. It generally covers things like fires, falling trees, lightning, and even automobiles that may cause damage to the structure. Such coverage can also pay for theft and vandalism, assuming these acts damage the structure of the home and not simply your private property. 

Who Needs Hazard Insurance? A Guide to Identifying Your Coverage Needs 

If you are already a homeowner or plan on becoming one, then the bottom line is you are a prime candidate for this type of insurance. Without it, any house you buy could be catastrophically damaged by events beyond your control, resulting in major out-of-pocket expenses. If you had the proper protection of a homeowners policy with great hazard coverage, however, you would not have to personally pay for all of these necessary repairs, making it easier and quicker to get your family back home and restore your investment. 

That said, you can examine your home and the surrounding area to better assess possible threats. For example, if your house is surrounded by trees, you are at higher risk of a tree falling on the structure. Meanwhile, areas that receive plenty of storms will get plenty of lightning. Even if you have a separate flood insurance rider, it is the hazard coverage paying for lightning damage to your home. 

You may also want to consider the weather patterns and crime trends in your community. If extreme weather is common or crime rates are rising, you may have more reason to ensure the hazard portion of your homeowners’ policy offers adequate protection. 

Long story short? Whether or not you are there at the time, you never know exactly what could happen to your home. That is what makes coverage so important, and hazard coverage is another way that your homeowners insurance gives your house the protection it deserves. 

Your Hazard Insurance Policy: What to Expect and What to Look For 

While a flood may be a hazard, this portion of your insurance most likely does not cover flood damage. This is one of the reasons why flood insurance is important for every homeowner. 

Otherwise, you should expect a policy that covers risks such as wind, hail, fire, lightning, theft, and vandalism. As always, check the fine print and make sure the policy covers all your concerns. If not, there is still time to shop around, get quotes, and choose a new carrier. 

Common Questions and Concerns About Home Hazard Insurance Answered 

Still unsure if this coverage adequately protects you and your family? Use the guide below to get answers to some of the most common hazard coverage questions. 

What Does Hazard Insurance Not Cover? 

Most homeowners’ policies do not cover flooding or earthquakes, even if they have a hazard insurance section. You will likely need to purchase separate flood and earthquake policies to protect yourself from these risks. 

Will My Hazard Insurance Increase? 

Homeowners coverage may increase over time as the value of the property increases. A higher overall cost means it would cost more to repair or replace the house, and the increased cost of your premium reflects this. 

Can I Get a Hazard Policy Separately? 

This depends entirely on your carrier. Most carriers include hazard coverage as part of a standard homeowners policy, but some still offer it as a separate service. 

Hazard Insurance Claims: What To Do in Case of Damage or Loss 

The good news about hazard and homeowners coverage being intertwined is that you typically do not have to file separate claims. In the event of damage to your home, you simply must file a claim as you normally would. You probably already have a plan for what to do after a natural disaster, but there are a few things to keep in mind that will make filing your insurance claim easier. 

Before you file, be sure to document the damage, including taking photos and making videos. Itemize any personal property that was damaged so you can assess how much it would cost to replace it and get a few repair quotes from professionals in your area. All of this can help ensure the claim pays out and you benefit from the full extent of your policy. 

Tips for Finding the Right Home Hazard Insurance Policy for You and Your Property 

Choosing the best homeowners policy with the right hazard coverage is not always easy. However, you can make it easier for yourself by following a few simple tips. 

For example, get quotes from multiple carriers so you can get the best price for the coverage you need. Additionally, make sure the carrier offers the right amount of coverage for your home and that their hazard portion protects against the threats your structure is likely to face. Finally, pay close attention to how the deductible you want affects the overall cost of your policy. 

Get Home Hazard Insurance Today 

Now you know all about hazard coverage and why it is so important. But do you know where you can get premium coverage that best suits your needs? 

At InsureOne, we specialize in protecting homes just like yours from anything that might threaten them. Getting the safety and protection your family deserves starts with getting a quote online. For a more personal touch, you can also pick up the phone and give us a quick call at 800-836-2240. Finally, feel free to visit us at an InsureOne office near you. 

Aside from having great car insurance, most drivers assume the best way to keep their car safe is to take it to the mechanic. Unfortunately, by the time you bring the vehicle in for a professional inspection, there may be a lot of internal damage that is very expensive to fix. 

That’s the bad news. The good news is that your automobile usually gives you warning signs in the form of various noises and dashboard lights, so you can save your vehicle (and save yourself a huge bill). What are the scariest noises, and what do they mean for your ride? Keep reading to find out! 

The Simple Sound of Clicking 

Some of the noises we’ll review may have multiple potential causes, and we’ll cover those. A clicking sound when you try to start the vehicle has one of the simplest noise meanings of them all. Basically, if you try to turn the vehicle on and just hear a clicking noise, you have a dead battery. 

If you simply left the headlights on or your door ajar, your automobile battery may simply be drained. In that case, all you need to do is jump-start it and drive around so your alternator can recharge the battery. If the battery is at least three years old, it may just be time to replace it with a new one. 

Squealing or Squeaking 

When troubleshooting noises, one of the first things you will discover is that noises under the hood can be some of the scariest ones of all. If you hear a kind of high-pitched squealing or squeaking noise from under the hood as you drive, you may have a serious problem on your hands. 

In all likelihood, these noises indicate your serpentine belt is having problems. It is most likely loose after getting worn down over the years, and that can affect everything from your air conditioning to your alternator and power steering pump. As soon as you hear this noise, have the belt inspected and replaced to avoid getting stranded in the middle of the road. 

Hissing From Hood 

Nobody likes going to the mechanic, which is why many drivers try to make noise diagnostics on their own. However, there are a few noises that mean that you need to take your ride to a professional ASAP, and one of those is a hissing noise. 

Hissing almost always means your car is leaking. Some of what it could be leaking is dangerous for you to touch, and all of it is bad news for your automobile. Take your vehicle to the mechanic right away for diagnosis and repair. 

Grinding When Slowing Down 

We sometimes use “grind my gears” as an expression to indicate how annoyed we are. If you hear a grinding noise when you apply the brakes, it doesn’t mean your vehicle is angry. In a word, it means “danger.” 

This grinding means problems with your brakes. It could be something simple, like worn-out brake pads (easy to replace), or more complex, like issues with the brake calipers (relatively easy to fix). But if you don’t fix the issue right away when you hear these unusual sounds, you might be left with an automobile that can’t stop or slow down in a situation that gets you or others hurt. That’s why checking the brakes should be part of your seasonal car maintenance. 

Screeching Wheels 

Unless you are peeling out at high speeds (which we never recommend, even if you have the protection of quality car insurance), you shouldn’t hear any screeching or squealing sounds from your tires. If you do hear such noises, it may be an early indicator of brake problems, and addressing it now is a form of preventative care that may save you from a nasty bill. 

This annoying noise from your wheels may indicate that your brake pads are worn out or simply not releasing properly. Most often, it’s a brake pad issue because vehicle manufacturers design the pads to squeal when they are starting to wear out. Take this as a proper warning sign and head to your mechanic right away! 

Sloshing Noises from Under the Hood 

By now, you’ve probably figured out that some of these automobile noises are more common than others. For example, everyone has heard the screeching of a loose belt from time to time. If you haven’t read your owner’s manual, you may think such noises aren’t a big deal. It’s rarer to hear a sloshing noise from under your hood, but if you hear such a noise while starting or accelerating, it’s important to take it seriously. 

The sloshing noise indicates that you most likely have air trapped in your cooling system. There are multiple potential causes that range from head gasket issues to a basic leak, and all of them spell trouble for your car. For example, a cooling leak means your vehicle will overheat sooner rather than later, so be sure to take it in right away for a professional inspection. 

Rattling and Rumbling Noises 

Let’s face it: you know what your vehicle normally sounds like when you’re driving. Serious changes to the sound usually mean serious problems. At the top of the list of “serious changes” would be rattling and rumbling noises, none of which mean anything good for your ride. 

For example, when you hear these noises underneath your vehicle, you likely have a damaged exhaust system. If you hear a slightly different noise when idling (resembling rocks in your washing machine), there is likely an issue with your catalytic converter. In short, when your automobile starts making scary rattling and rumbling noises, it’s time to fix the problem before you accidentally make it worse. 

Give Your Car the Protection It Deserves with the Best Auto Insurance 

Now you know what the scariest noises are and what they mean for your ride. But do you know who else is committed to respecting your car and providing it with the protection it deserves? 

Here at InsureOne, we’re experts at protecting your vehicle from unexpected dangers. We’re always ready for you to get a quote online. Or, if you want, you can pick up the phone and give us a quick call at (800) 836-2240. Finally, feel free to come into one of our nearby offices at your earliest convenience! 

That’s often what it feels like for those who survive natural disasters. It’s scary enough to narrowly avoid things like hurricanes, earthquakes, and floods. But after such a disaster, you may find out the hard way what your home and auto insurance will or will not cover. 

For example, we all know about the extra riders you need to take out to give your home coverage against natural disasters. But what about your car? Keep reading to discover whether your existing car insurance is enough protection against such disasters! 

Will My Car Insurance Protect Against Natural Disasters? 

Your existing automobile insurance may or may not protect you from most natural disasters. In order to enjoy maximum protection, you need to have comprehensive coverage. 

Many drivers choose to carry only the state-required liability coverage because it’s the cheapest route. This is designed to help pay for other people’s damages and injuries when you are at fault. 

Comprehensive coverage, for the most part, is designed to protect your vehicle when you’re not even at the wheel. In this way, it can provide protection from most disasters. 

Am I Protected from Hurricanes? 

There is always something especially frightening about hurricanes. When you see cars being flung around in the wind, for example, you can’t really help but worry about your own automobile. 

Here’s some good news: As long as you have comprehensive coverage, then you are covered against hurricanes. As with all insurance, the trick is making sure that you take out a policy before the natural disaster hits. You need to do so sooner rather than later: Insurance carriers sometimes put a freeze on drivers rushing to get this coverage when everyone knows in advance that disaster is about to strike. 

Am I Protected from Wildfires? 

If you live in an area prone to wildfires, then you understand just how frightening they can be. The idea that one person’s campfire, fireworks, or even gender reveal party could set up a lasting forest blaze is enough to make all of us feel extremely vulnerable. 

Fortunately, comprehensive coverage also gives you protection from wildfires. This is another example where we recommend getting the new coverage sooner rather than later for the simple fact that most residents don’t know that a wildfire is coming until it is too late. 

Am I Protected from Floods? 

Flooding is arguably the most common natural disaster that homeowners worry about, and for good reason. The vast majority of homeowners policies don’t protect against flooding, requiring homeowners to take out a special rider before their area gets flooded. 

Drivers worried about their own area getting flooded don’t have to take out any special rider; instead, they merely need to take out a comprehensive policy for their vehicle ahead of the disaster. Incidentally, if you take out liability, collision, and comprehensive policies, you’ll have what is known as full coverage. This is one of the maximum possible protection packages possible for your automobile. 

By the way, it’s easy to check whether you live in an area that is prone to regular flooding by checking the FEMA Flood Map. If the answer is yes, then it’s important to snag a comprehensive policy sooner rather than later! 

Am I Protected from Hail? 

Hail isn’t always as deadly as some of the other calamities on this list. However, hail always makes us feel vulnerable (countless tiny rocks plummeting from the sky will do that to you), and it only takes a small bit of hail to cause major damage to automobiles. 

Will those drivers be covered for the hail damage, though? Once again, it depends entirely on your coverage. If you only have liability, then hail damage inevitably results in a very long repair bill. 

Am I Protected from Earthquakes? 

In many ways, earthquakes are the scariest calamity on this list. The very idea that you could be enjoying a perfectly normal day one moment and then suddenly be thrust into shaking chaos is enough to give even the bravest person some serious existential dread. 

One thing that may soothe those fears is the fact that, with the right policy, you can give your vehicle the protection it deserves against earthquakes. Also, some food for thought: earthquakes are like floods in that while you never know when a specific incident may happen, you do know whether you live in an area prone to earthquakes. Once again, if the answer is yes, then you need to get such a policy sooner rather than later so you have the protection you need. 

Other Benefits of Comprehensive Insurance 

As you can tell, a comprehensive policy is your only way of protecting your vehicle from various disasters. If you’re still on the fence about whether you need such a policy or not, you need to understand the additional benefits of such coverage. 

This type of policy covers you against most negative things that could happen to your automobile when you’re not behind the wheel. For example, your car is protected against theft and vandalism as well as against trees and tree limbs falling on top of it. It also protects against animal-related damage, including if you should hit a deer while driving (something that your collision policy will not pay out for). 

Get the Best Protection Against Natural Disasters Today! 

At InsureOne, we’re here to protect your car from just about everything. We’re always ready for you to get a quote online. Alternatively, you can give us a quick call at 800-836-2240, or feel free to come into one of our nearby offices! 

1. A Healthy Diet

For us, that’s heavy on the fruits and veggies and light on the red meat. For your car, that’s making sure you have regular oil changes, as well as checking the other fluids that keep everything running smoothly. Whether you do it yourself or take it to a trusted mechanic, the oil should be changed every 3,000 to 5,000 miles.

Similarly, your auto needs other fluids to keep it running well, including for the transmission, brakes, and power steering. These can be done at home, but it may be cheaper – and way less messy – to let a professional take care of it for you.

Always keep records of your oil and other fluid changes. If your car is subject to a recall, you may need proof that you’ve been conducting the required maintenance.

2. Help Your Car to Breathe Better

Your vehicle has 4 important filters that are designed to clean the air your car’s systems need to breathe and operate correctly. Here’s a list and general guidelines on when they should be changed:

• Cabin Filter.Besides making it easier for you to breathe, your cabin filter plays a part in how well your A/C and heating system function. Change every 15,000 to 30,000 miles.
• Air Filter.Helps your car perform better, as well as saving on fuel consumption. Change every 15,000 to 30,000 miles.
• Oil Filter.A dirty one lets impurities through which leads to early engine wear and failure. Change around every 6,000 miles.
• Fuel Filter.Helps keep the fuel pump (and the engine) working smoothly. Change around every 20,000 to 150,000 miles (more often if your car is older).

3. Be Familiar with Your Owner’s Manual

While we’re not advocating that you read it cover to cover (unless you really like to read manuals), spending some time on these areas will save you time and money:  understanding recommendations such as tire pressure, maintenance schedules, and types of oil to use. As with most of our valued possessions, the better we take care of them, the longer they last and take care of us. Taking care of your car also means handling it with care. Sudden starts and stops, or driving like you’re a NASCAR star, won’t help your car to live a long and healthy life. So, give your car a little love and you’ll get a dependable ride in return.

Extend the Life of Your Car with Affordable Auto Insurance

Taking good care of your car or truck makes sense if you want it to last. At InsureOne Insurance, we want to help you find affordable insurance to protect yourself and your car financially. You can get a fast and free quote online, give us a call at 800-836-2240 or stop by one of our convenient locations anytime for a face-to -face meeting.

The main secret to avoiding serious medical conditions is getting the right preventive care. Unfortunately, many who could benefit the most from this preventive care don’t know where to get it or are unable to afford it. 

Fortunately, those who have Medicare can stay on top of preventive care very easily. Keep reading to learn exactly what you should do! 

Will Medicare Pay For My Preventive Care? 

The short answer to this is “yes.” The government understands that it is better for everyone involved if you stay on top of your health. As we noted above, many who need preventive care don’t get it because they don’t have enough money. Accordingly, Medicare covers much of the costs involved. 

We say “much” because regular preventive care sessions may also lead to diagnostic care, which may bring an additional cost. The exact provider you use can also impact how much you pay. 

Don’t worry, though: our guide will help you save money on preventive care whenever possible! 

How Is “Preventive Care” Defined? 

Basically, preventive care is designed to help detect illness and keep you healthy in the future. Another way to think of this is that preventive care is not based on a particular medical diagnosis. 

You’ve probably had a few preventive care sessions in your life. This includes annual checkups, wellness visits, and screening tests. And to better understand what preventive care is, you need to understand how it differs from diagnostic care. 

Preventive Care Versus Diagnostic Care 

Compared to preventive care, diagnostic care is very straightforward. Once a health issue has been detected, diagnostic care focuses on treating the condition and learning more about it. This is when you get treatment for specific symptoms, tests to determine the extent of your illness, and future doctor visits to provide the ongoing care that you need. 

As we noted earlier, receiving only preventive care or both preventive and diagnostic care may affect how much you pay. For example, preventive care will be very cheap or possibly free altogether, but diagnostic care will bring additional charges. Most long-term healthcare arrangements are not covered by Medicare. 

Here is a fairly simple example: a cancer screening or colonoscopy would be considered preventive care and covered by Medicare. But if they detect anything, such as polyps, then treatment to remove the polyps would be considered diagnostic care and billed as such, even if it happens during the same procedure. 

Why Is Preventive Care So Important? 

First off, preventive care can save you a lot of money. By having Medicare pay for a variety of preventive care services, you can really stay on top of your health. And this care is likely to catch a serious condition before it gets any worse, which may greatly reduce the cost of your treatment. 

Second, preventive care helps improve your overall health. Think of it this way: things like high blood pressure can lead to many health problems that are difficult and expensive to treat. But preventive care can help you explore changes in lifestyle and diet to lower your blood pressure before you need expensive medicine. 

Finally, preventive care will simply help you live longer. Using our example from above, detecting rising blood pressure early may prevent someone from developing something like heart disease. This ultimately gives you more years to spend with your friends and family. 

Do I Qualify For Every Service? 

The answer to this question is both “yes” and “no.” We say “yes” because all of these services will be covered by your Medicare, so there is nothing that is theoretically off-limits to you. But we say “no” because you must first qualify for many of these services. For example, you need to exhibit signs of depression to qualify for depression screenings, and you may need a referral from a specialist to begin certain medical nutritional therapy treatment. 

Get the Best Care, Starting Today 

Now you know more about why preventive care is so important and how Medicare can help. But do you know which insurance carrier can help you stay on top of your health? 

Here at InsureOne Insurance, we are always ready for you to get a quote online for a full range of health and other insurance services. Alternatively, you can grab the phone and give us a call at 800-836-2240. Finally, feel free to come into one of our convenient nearby offices today! 

Although the electric car has been around since 1832 when Robert Anderson invented it, it is gaining wide popularity in the 21st century for beneficial reasons, including:

• Reduced environmental impact
• Lower inhaled emission
• Extended battery life
• Less expense for maintenance since an EV doesn’t need oil changes

At the same time, you’ve probably wondered if purchasing an electric car would affect your insurance rates. Well, we have the answers you’ve been looking for when it comes to electric car insurance premiums.

Purchase Price and Perks of Ownership

An EV uses an electric motor powered by electricity from batteries or a fuel cell. Unlike conventional vehicles that use a gasoline- or diesel-powered engine, an electric car does not rely on combustible engines. So, one advantage is decreasing your carbon footprint and noise pollution. EVs tend not to make a sound when zooming down the road.

In the past, electric cars could only travel short distances on a single charge — around 100 miles or fewer — but most car lovers couldn’t afford to acquire an electric car without breaking the bank. But today, some electric vehicles cost less than $40,000 and can go over 370 miles on a single battery charge. Thus, the drop in price and longer battery life make electric cars a viable option for families in the market for a new vehicle.

How Much Would Insurance Cost?

Electric vehicle insurance costs are 23% more expensive compared to those for combustion models. This figure derives from comparing four types of electric cars to their equivalent gas-powered cars. For example, if you have insurance coverage on a gasoline-fueled vehicle where the cost is $1,000 a year, you may pay between $1,180 to $1,320 a year with an electric car.

Even though driving an electric car does not make one a riskier driver, it makes you seem like a greater liability in the eyes of an insurance company because these cars are generally more expensive than traditional cars, which makes any repairs more costly.

How Much of an Increase Do I Anticipate?

The increase depends on the state where you reside and the make and model of your electric car. For example, in New York, the rates are 1.18 times higher than those for a gas-fueled vehicle.

Of course, other variances involve which insurance company you’ll be working with and the type of policy you need. Thus, visiting with an agent or an insurance expert would be well worth the time, along with researching different companies.

What Factors Determine the Rates?

The higher purchase price also makes the EV a bit pricier to insure than its gas-powered counterpart. Another reason for the pricing difference comes from electric cars being more expensive and easier to damage than cars running on gas.

For instance, an electric car has cutting-edge technology, sophisticated sensors, high-capacity batteries, and so much more. As an illustration of this, if you crashed a Chevy Spark EV, it would cost you more to repair than a normal Chevy Spark. Therefore, despite not being a risky driver, the insurance company may be potentially exposed to more expenses than they would in insuring a gas car.

Repairs on the Inside

Unlike conventional vehicles that use a gasoline- or diesel-powered engine, an electric car does not rely on combustible engines. Rather, though not as “bulky,” the operating system is a bit more sophisticated with parts that are specific to an EV. Take the electric traction motor, for example. It relies on the power from the traction battery pack to drive the vehicle’s wheels, but some types possess the capacity to both drive and regenerate. So if you needed this part replaced for whatever reason, and your car had the kind that performs both functions, then it’s going to cost you more to obtain that particular part.

Repairs on the Outside

Furthermore, some EVs’ chassis and frames possess slightly different qualities from other vehicles due to functionality. One such example is the 2022 Fisker Ocean. Its frame is designed in such a way as to protect the battery pack if the car is hit on either side. The structure contains side-collision beams, according to the automaker. However, in the event of a front-side collision that causes severe damage to the chassis and frame, this feature will cost more than an average body-repair job of a traditional steel- or aluminum-framed vehicle. Consequently, the complexity of repairs and the expensive price tag for the parts will drive your insurance rates a bit higher.

Batteries

Another reason for the higher insurance rates relates to the cost of replacing a battery pack if damages are incurred during an accident. For instance, the Chevy Bolt’s battery pack costs $15,000. That price doesn’t include labor.

Other Factors Affecting Rates

Aside from those characteristics, factors that affect electric vehicle insurance policies do not differ from covering a conventional car. These factors include:

• Driving history
• Your age
• Your place of residence
• The model of the vehicle
• The type of coverage

Hopefully, as electric cars become a norm, the aforementioned factors and availability of parts will drive down insurance costs. In the meantime, you can always consult with an insurance agent who can give you a free, no-obligation quote.

Do Any Discounts Apply to the Rates?

Just as insurance companies offer discounted rates based on varying criteria, some do the same for electric car owners. Thus, you can still discuss the possibility of a lower insurance premium with a company representative. Likewise, when going into the bargaining phase, you might keep the following information in mind:

• The “Green” aspect — where some insurance companies have developed discounts specifically for electric car owners such as a “green vehicle” or “alternative vehicle” rebate or markdown
• Working with your current insurance company — if you already have homeowners or renter’s insurance, approach your agent about the possibility of bundling car and home insurance since some companies offer discounts for multiple types of coverage.
• Number crunching — before you purchase an electric vehicle, try to add up costs for the monthly car payment, regular maintenance, and insurance. By having these numbers available, you’ll go into haggling situations already armed with a set amount you’ll be able to afford.

Which Companies Offer Insurance for Electric Cars?

Almost all major car insurance companies that offer policies for gasoline vehicles also offer coverage for electric cars. Moreover, they provide the same types of coverages such as:

• Liability
• Collision
• Comprehensive

This allows for plenty of opportunities to shop around and compare quotes to find the best premium.

Do Any EV Manufacturers Offer Their Own Insurance Policies?

Tesla offers car insurance policies on a limited basis for owners of their Roadster, California Model 3, Model X, and Model S. They claim the manufacturer had started this program because of their exclusive knowledge of the construction, mechanisms, and serviceability of their vehicles. Furthermore, they also advertise a premium that is 20 to 30% lower than most standard premiums.

What Are Other Ways to Save on Rates?

The first way to save is to maintain an excellent driving record with no at-fault accidents or traffic violations. Other ways to save include any of the following:

Shopping Around for Quotes

As mentioned, you can start with the insurance company that already has your patronage, but if they still can’t offer you a great rate for bundling policies, then you might need to shop around for quotes until you find the right price.

Another factor to discuss with your agent regarding quotes is your deductible. One thing to remember is the higher you go with your deductible, the more your rates will decrease.

Looking to Tesla or Other Companies That Insure Electric Vehicles

When you purchase your electric vehicle, sometimes the insurance coverage is offered right on the spot. This is one alternative to consider, as well as an insurance company that has the added focus of battery leasing and recharging.

Would I Get a Tax Credit?

So far, 45 states and the District of Colombia offer tax incentives for electric vehicles. Based on the state where you live, electric cars might come with some tax incentives. You can reach out to your state’s department of motor vehicles, the energy department, or your local insurance agent to find out about any incentives tied in with owning an electric car.

Benefits vs. Cost

So, where you might be saving on fueling costs, you might pick up more expense on the insurance premium for your electric car. On the other hand, the lower prices on electric vehicles are a good sign of the growing trend to go green because more buyers will be able to afford them. Thus, you can either keep your thumb on the pulse of the EV market to see if the price of parts and repairs might be driven down by availability, or do some research to find reasonably priced premiums and some rebates or tax incentives.

Remember to contact one of our representatives who can answer your questions and provide quotes. Going with green energy doesn’t have to affect your bank account negatively.

These days, more people are selling their homes in favor of renting condos and apartments. This makes perfect sense for some when they find themselves as empty nesters or simply want to downsize. 

Renting is less expensive than buying a home – you don’t have to pay for things like property taxes, repairs, etc. However, if something happens to your apartment or condo rental and/or your belongings inside, who is responsible for your damaged or lost possessions? Not your landlord. If you don’t have affordable rental insurance, you are responsible for any damages.

Renters insurance provides the protection you need when renting a place to live, so it’s worth it. Want to know more? Let’s go over renters’ insurance, including types, tips for finding affordable renters insurance, and more.

Renters Insurance Types

There are two types of renters insurance – an Actual Cash Value policy and a Replacement Value policy. 

• Actual Cash Value policy – Determines the value of a damaged property by considering depreciation and everyday use. This type of coverage offers lower premiums, but it won’t cover as much as a Replacement Value policy. An actual cash value policy is affordable renters insurance for college students or if you’re a renter looking for cheap renters insurance.
• Replacement Value policy – This policy is more expensive, but the insurance company pays the claim based on an item’s current market value. A Replacement Value policy is ideal if you have possessions that are worth a lot.

Tips For Finding Affordable Renters Insurance

Get the right amount of coverage. Since renters insurance provides coverage for your belongings, you need to know what you have and how much it’s worth. To do this, take inventory of your possessions and what they may be worth. This will help to give you an idea of how much coverage to get.

Know what your policy doesn’t cover. Some renter insurance policies don’t provide coverage for damage caused by floods, earthquakes, or other events. 

How Long Does Renters Insurance Take Effect?

Most renters insurance policies go into effect right after you set it up with an agent. Knowing how much your property is worth and what your insurance needs are, makes the process go much quicker, too.

Does Renters Insurance Cover Theft?

Yes, your renters’ insurance policy covers your possessions if they are stolen either inside or outside your home. 

What If You Don’t Have A Renters Insurance Policy?

Renters insurance covers loss or damage to the possessions in your home in the event of theft, fire, electrical malfunctions, plumbing, and vandalism. If you don’t have the policy to cover your things inside your rented home, you’ll have to foot the bill for any damages or losses. This can be incredibly pricier than paying the average cost of renters insurance!

Need affordable renters insurance quotes? InsureOne has you covered! We compare renters insurance from top companies to get you the coverage you need at an affordable price. Request a free renters insurance quote online or over the phone by calling (800) 836-2240.