It’s such a busy time when you are selling a home. There is so much paperwork and so many action items. One that people often jump the gun on, is canceling insurance.
We are regularly called by customers asking us to cancel their homeowner’s insurance policy on a particular day in the future as they have been notified that the home is scheduled to close on that day. Unfortunately, more often than you’d expect, the home doesn’t actually close as they planned on that exact date. The date often can get pushed out further, which means that if the insurance was canceled on that initial date, the home wouldn’t have any insurance coverage. It’s very difficult to undo a cancellation request or change the date.
To make things worse, like life sometimes does, we have seen a few instances where the closing happened but the transaction paperwork didn’t process until a few days later due to extenuating circumstances. In this instance, the client thought everything was all set, so they called and canceled the insurance immediately following the closing. The result? The home was uninsured for several days during a storm, leaving them at major risk.
So what do you do to prevent this? You may wait a day or few days to contact your insurance agent. When you tell them the date your closing was completed, they can post-date your cancellation request. In most cases, the insurance carrier will reimburse you for any unused premium back to that date. You typically don’t pay for any insurance that you don’t use.
The best advice is to talk to your insurance agent so they can help you with this process. If you still have questions, we are happy to help.
Many families are deciding to share child care costs by hiring one nanny or caregiver who comes to one house to watch the children of two families. In theory, this makes a lot of sense. The kids enjoy time together. The parents can share daycare expenses. The Nanny can enjoy full-time employment.
But, it isn’t without risk. If you hire a nanny to watch your own children, in your own home, typically your homeowners insurance policy has worker’s compensation coverages for that situation. But, when you have a nanny watching kids from different families, this is typically considered a “business”. This now means your personal homeowner’s policy won’t cover related claims. These claims could include things like injuries to the other family’s children or the nanny or a car accident while the children are present in the car.
So, before you hire that nanny, do your homework. Talk to your insurance agent about how your carrier may handle your daycare situation, before anything happens. We are always happy to answer any insurance questions you may have.
It is inevitable that sometime in your lifetime, you or someone you know is going to be in a car accident. The best thing you can do is be prepared with the materials and knowledge you need; that’s why we are here.
There are some things that you should always keep in your car in case of an accident to help you and those around you.
A first aid kit – usually you can buy premade ones at the pharmacy, big box store, or even amazon. They do make ones that are specifically for vehicles if that is your preference.
Your documents – whenever you are in an accident, no matter who’s fault or how bad, a police officer is likely to ask for your driver’s license, your registration, and your proof of insurance. It is important to keep these documents in your car at all times. In some states, it is required to have them while driving.
Optional: Emergency contact card – some people find it very helpful to keep a card in their wallet or somewhere obvious in their car so if they are in an accident and cannot advocate for themselves, this card is there to do the job. Most of these cards include any medical concerns the paramedics need to be aware of, an emergency contact, the name of your health insurance carrier, and the name of your car insurance carrier.
If you do not want to use a physical card or feel that another option may be more efficient, most cellphones have an emergency Medical ID feature. Learn how to set it up here: iPhone, Android. (Here is another article if you are having trouble setting it up, or the first two don’t work for you. Click here.)
So now you are all prepared; great! Now, what do you do when am accident happens? The most important thing to do is to stay calm and take each of these steps one at a time.
Check yourself and anyone in your vehicle for injuries. If anyone is seriously injured, try not to move them as this can cause any damage to become much worse or even permanent. If you are in a better position than the passengers in the vehicle you collided with, and you are able, check on them as well. What is it pilots always say? You need to secure your oxygen mask first to be able to help secure others.
Turn off your engine, turn on your hazard lights, and call 911. If you cannot do this on your own, ask someone else in your vehicle or a bystander around to do it for you. Even if it is a minor accident, you still should call the police. In some states, it is illegal not to.
If you can, and only if you can, get to safety. If your vehicle is able to be moved, and in the way of traffic, move it off to the side of the road or area you are occupying. If this is not possible, or it is not drastically in the way, stay where you are and wait for the police to arrive.
If you are not seriously injured and can move around on your own safely, find the person you collided with and exchange insurance information. Every driver should have an ID card with their auto insurance information. It is best to take a picture of this so as not to miss any important details. If they do not have a card or paper with the information, collect their name, address, contact phone numbers, emails, year/make/model of their vehicle, and license plate #. Allow the other party to collect the same from you.
Once again if you are able and safe to do so, write down everything you can remember about what happened. It is best to take some pictures of the accident as well. This includes all sides of all involved vehicles. If you can get photos of the accident from a street view, that would be beneficial too. Once the police arrive, you are allowed to ask for their name and badge numbers if you would like that for your records. It is also best to ask if someone can provide you with a copy of the police report; some insurance companies may ask for this.
Once things have settled down, then it is time to call your call your insurance company to begin a claim. Explain what happened in as much detail as possible. They will most likely ask for the “who, what, where, when, how” of the accident, and just give your best answer. They are there to help you, not stress you out more!
Overall, these situations can be stressful and full of worry. It is best to know who your resources are when things like this happen, and how to handle them like a rock-star (even though you may not feel like one ;))
US mail delivery delays are all over the news, as you can see in this WMUR story.
Due to this issue, we want to advise all of our customers to consider mailing any payments or time-sensitive correspondence several weeks early to increase the likelihood of it arriving by the due date.
If you’d like to ensure your payments aren’t impacted by the mail delays, you do have other options. You may make payments online directly using your carrier’s website (links are available here) or you have the option of setting up EFT (automatic payments) with the carriers. All of our carriers allow you to do this, and it makes paying on time super simple and risk free! If this is of interest to you, let us know and we are happy to get that set up for you! If you have questions or need support, we are here for you! 603-273-0953.
We are finding more and more clients are considering taking on work from companies like: DoorDash Uber Eats Instacart Amazon Flex/Amazon Fresh Lyft Uber Pizza delivery jobs And many others that require you to deliver people, food, or products using your personal vehicle.
There is a significant potential risk you should be aware of. First, many personal auto insurance carriers do not cover you and your auto when you are working. Why? Because many insurance carriers consider deliveries to be a commercial or business risk. So, what happens if you are driving for one of these companies and you get into an accident? Very likely the accident will not be covered. In addition, the carrier may drop your policy for not following the guidelines of a personal auto policy leaving you uninsured going forward.
What if the employer provides the insurance? We strongly recommend that you ask to review the coverage that they provide in detail, as the information on their website may not be comprehensive. For instance, some of them only cover you when you are transporting their products. This means you may not be covered when you are driving to get the products or returning back after the delivery. As a result of this scenario, you’d be uninsured for significant portions of the job leaving you at a greater risk.
What can you do if the employer does not provide insurance? Talk to your insurance agent before starting the job. They can review if your current policy offers any relevant coverages. There are a small number of carriers that may offer add-on coverage for these driving services. Your agent can help clarify if your carrier is one of those few. Next, they can see if they offer any other carriers that provide coverage on a personal policy.
The best option may be to get a business auto policy for this type of work. It may be more expensive but will be more appropriate for the situation. It may be a good solution if this is going to be your main source of income. Also, know that typical personal umbrella policies may not extend coverage for the use of your personal vehicle for business.
If you have any additional questions, please reach out to us anytime. We are always happy to be a resource for you. 603-273-0953. www.keslarinsurance.com.
We at Keslar Insurance know it can be a struggle to find the perfect gift for that special someone. With this in mind, we partnered with our commercial clients to create this shopping guide for all of your gift-giving needs. The best part? Every suggestion is from a small business! Not only would you be getting an amazing gift, but you would be supporting small businesses (which we love to do!). Here are ideas for holiday gifts for even the pickiest of recipients:
For the one who loves a little self-care…
For the one who loves to stay fit…
For the student who loves to be active…
For the one who LOVES chocolate…
For the one who loves to show their New Hampshire pride…
We are excited to announce that we are now offering Union Mutual’s comprehensive line of personal and business insurance solutions to our customers. Not only do their products offer some great features that many of our customers need, but the company has an underlying culture of integrity, fairness and respect. We feel that aligns well with our own culture here at Keslar Insurance.
About Union Mutual
Located in central Vermont and first established in 1874, Union Mutual has been providing quality insurance products for over 140 years. Operating through its extensive network of independent insurance agents, the Company takes great pride in focusing on outstanding service and treating others as we would like to be treated. The Company’s overall business philosophy and culture is one that strives to treat all of our business partners, be they policyholders, agents or vendors, with the highest level of fairness, integrity and respect. https://www.unionmutual.com/
Reach out to us anytime to learn more about Union Mutual or if we may be of service to you in other ways!
Taylor will be helping customers with service questions, billing issues, changes, claims and more! She will also be assisting the agency with marketing and operations. She’s already been a great asset to our team. We are excited to have our clients meet her!
I’m originally from Massachusetts but I moved up to New Hampshire for school. Aside from being a part of the Keslar Insurance family, I am a Social Media Marketing intern for a small clothing company, Rivet Collective. In my free time, I love to read, watch movies, and cook! A fun fact about me, I originally wanted to be a chef!
I am currently working towards my Bachelor of Arts in Graphic Design and Minors in Communications, Project Management, and Social Media Marketing at Southern New Hampshire University. This is my first position in the insurance field but I am excited and eager to learn all that it has to offer!
During this quarantine, I have spent most of it home with my family finding a new love for puzzles and popcorn! We set out on a mission to do the most puzzles we could during the shutdown, and by the end of July we had put together 13 of them. It has been a blessing in disguise to have this time to spend with my family creating happy memories from the Quarantine of 2020 🙂
At Keslar Insurance, we are committed to protecting your privacy as a visitor to our Web site and as our customer. To our visitors and to our customers, we offer this pledge:
Information Collection We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from our Web site. When you enroll for an insurance policy at Keslar Insurance Agency, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of Keslar Insurance Agency. so we can provide you with policyholder service. The employees of Keslar Insurance Agency are each required to sign and acknowledge a Confidentiality and Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer’s personal information.
When you purchase an insurance policy from Keslar Insurance Agency, you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. We do not keep a record of your credit card information. If you pay the premium using your personal check, we may keep a digital copy of your check in your file.
When you send us e-mail from our Web site, you will provide us with certain personally identifiable information including your e-mail address.
Cookies A cookie is a piece of data that is stored on a visitor’s hard drive while they are visiting our Web site. We may utilize a short-lived form of cookie when you visit our site. At Keslar Insurance Agency, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment process. No personally identifiable information is stored on the cookie. The cookie expires and is deleted from the visitor’s computer as soon as they close their browser or if they are not actively browsing our Web site for more than 20 minutes. Should a previous visitor to our Web site return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.
We asked Will to share a bit about himself as we know our customers will really enjoy getting to know him a bit better.
“I’m originally from Reading, Pennsylvania but now reside in Exeter, NH. I moved here to be closer to family. I have one son, and one daughter. I am a veteran who served in both the US Marines, active duty, and in the Pennsylvania Army National Guard. Overall I served 11 years in the military with 2 combat tours to Iraq. I love working out, practicing , martial arts, and most outdoor activities.
I haven’t been working in the Insurance business long, but what I do love about it is saving people money to provide them financial relief, big or small. I also enjoy providing customers a better understanding of their coverages, even if we can’t win them as a client, if they walk away with a better understanding of coverages, I’ll take that as a win.
One thing people don’t know about me is My father was adopted at birth and I just as of two years ago met that side of my family who are Italian, which would make my real last name Gaspari.“
As you can see, Keslar Insurance is lucky to have will on our team! He’s a caring dad, a veteran who honorably served, and is dedicated to doing his best at all times. All of this make us grateful work with him every day- and our customers appreciate him too! Feel free to reach out to Will any time! He’d love to talk to you!