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Does Your Auto Insurance Policy Cover Auto Theft?

Be prepared with several documents to claim a stolen vehicle. Most auto insurers won’t accept a claim involving theft without a police report. You’ll also need to include a list of the personal items that were in the car when it was stolen. Some insurers will also want to know who had access to the car and where any extra copies of the keys were kept.

Did you know that in 2018, nearly 750,000 cars were stolen in the United States. While that number sounds high, you have just a .23% of having your car stolen. Will your insurance policy cover theft?

Whether or not car insurance covers theft, depends on what is stolen. There are various types of theft. Read to learn what types of theft are covered and how to ensure you are insured.

Will your Car Insurance Provide Coverage For a Stolen Car?

The comprehensive insurance part of your auto insurance will provide coverage if your car is stolen. It is important to discuss what your individual policy covers with your insurance provider stolen cars.

Comprehensive coverage includes damage that is not caused by collision or natural disasters. Comprehensive coverage is what will pay for a new car in the event yours is stolen provided the limit on your policy covers the full value of your car after you pay your deductible.

Comprehensive coverage is not required in any state, so you will need to review your policy to ensure you have it or you can add it to any auto policy. If you lease or finance your vehicle, the lender may require proof of comprehensive coverage. Theft insurance is an added cost, but will save you from being out of pocket the full cost of your vehicle in the event it is stolen.

Will Car Insurance Cover Theft of Personal Items?

It is important to know that even if your comprehensive coverage covers your stolen vehicle, it may not cover the belongings in the vehicle that were stolen too. The best way to insure your personal belongings is through a renters or homeowners policy.

Homeowners policies do set a limit on personal property, so high-end electronics and pricey jewelry may not be fully covered.

What Do I Do If My Vehicle is Stolen?

If your car is stolen, it is important to take quick action, so you can begin the process of having your vehicle and personal belongings paid for.

File a police report: Contact the police and file a report as soon you learn that your vehicle has been stolen. It is wise to know the make, model, color, plate number, and the car’s special features.

Make a list of the items in your car: While your memory is still fresh, you will also want to report any personal belongings left in the vehicle when it was stolen. Begin to retrieve or credit card transactions for the stolen items.

File an auto insurance claim: You will need to let your insurer know the information included in the required police report.

Jacobs Insurance Agency

Jacobs Insurance Agency cares about you and your family. We want you to know that we value you and will focus on meeting your insurance needs. Jacobs Insurance Agency offers a broad range of coverage and works with many insurance agencies and can provide quotes from different companies. Price is important. Using Jacobs Insurance Agency ensures you are protected by the best.

Insurance Agency West Palm Beach

Jacobs Insurance Agency is an independent agency specializing in homeowners, auto (including motorcycle and RV), boat, umbrella, and commercial insurance. With over 30 years’ experience in the South Florida area, our specialty is designing a tailored program of coverage to fill your unique insurance needs: whether personal, commercial, or both. Our passion is providing top-notch service and peace of mind to our clients, and we thank you for allowing us to serve you. Call us at 561-967-8400 or visit our website.

Jacob’s Insurance Agency 2328 S. Congress Avenue, Suite 2A West Palm Beach, FL 33406 Main Phone: 561-967-8400 ext. 102 Wellington: 561-220-1499

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smaryliyana10 · 5 years ago

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Electrical Safety Keep Your Family and Home Safe During the Holidays

Thanksgiving safety

Kitchen safety is always essential, but it is especially important on this day filled with family, activity, and thanks. Did you know that cooking fires are the number one cause of home fires and injuries? Thanksgiving sees the most home cooking fires of any other day of the year. In 2016, fire departments responded to 1,570 house fires on Thanksgiving in the United States. Unattended cooking is the leading cause of most home fires.

Turkey Fryers

The NEPA discourages the use of outdoor gas-fueled turkey fryers that immerse turkeys in hot oil.

Turkey fryers that use cooking oil at high temperatures are sold for home use, even though these units pose a significant danger to the consumer when the oils are released during the cooking process. These units can ignite spilled oil when heated and lead to devastating burns making them not suitable for safe use by well-informed and careful consumers. NEPA encourages consumers to seek out restaurants or oil-less turkey fryers when preparing their turkeys.

NEPA’s 10 Safety Tips

Stay in the kitchen when you are cooking on the stovetop so you can keep an eye on the food.

Stay in the home when cooking your turkey, and check on it frequently.

Keep children away from the stove. The stove will be hot, and kids should stay three feet away.

Make sure kids stay away from hot food and liquids. The steam or splash from vegetables, gravy, or coffee could cause serious burns.

Keep knives out of the reach of children.

Be sure electric cords from an electric knife, coffee maker, plate warmer or mixer are not dangling off the counter within easy reach of a child.

Keep matches and utility lighters up high in a locked cabinet, out of the reach of children.

Never leave children alone in a room with a lit candle.

Keep the floor clear so you do not trip over kids, toys, pocketbooks, or bags.

Make sure your smoke alarms are working. Test them by pushing the test button.

Cooking equipment was involved in almost half of all reported home fires and home fire injuries, and it is the second leading cause of home fire deaths.

The holiday season is festive! Parties, decorations, food, family, friends, and fun can often make us forget about home safety. At Jacobs Insurance, we want to help people have a safe and happy holiday season.

Holiday Electrical Safety Tips

Trees, gifts, garland, decorations, and lights can be dangerous when combined with the head the holiday season requires. Keep your home and family safe this year.

Christmas Tree Safety

Ensure your artificial tree is non=flammable and that your real tree stays hydrated. A wet tree will not be as flammable as a dry tree. Keep all trees away from heaters, fireplaces, and candles. Prevent a fire by looking over electrical lights for broken plugs and bulbs, and frayed cords, which can cause electrical fires. Keep a fire extinguisher near your tree.

Safe Holiday Lighting Tips

Focus on holiday electrical safety when lighting your house. Most outdoor Christmas lights require the reach of a ladder, which should be operated carefully to avoid a fall. Ensure that your lights are rated for outdoor use before hanging them. Do not use nails or staples to hang lights; instead, use plastic clips or hooks to avoid damaging wires. Consider switching to LED holiday lights which do not generate the same amount of heat. Make sure that you always turn off your lights when they are unsupervised.

Jacobs Insurance Agency

Jacobs Insurance Agency cares about you and your family’s safety this holiday season. Jacobs Insurance Agency offers a broad range of coverage and works with many insurance agencies and can provide quotes from different companies. Price is important. However, Jacobs Insurance Agency can determine the proper amount of coverage needed for your business and select the option that will save the most money. Using Jacobs Insurance Agency ensures you are protected by the best.

Classic Turkey Recipe

Ingredients

1 12- to 14-pound turkey (thawed if frozen)

Kosher salt and freshly ground pepper

1 onion, quartered

1 carrot, cut into chunks

1 stalk celery, cut into chunks

3 sprigs sage, plus 1 tablespoon chopped leaves

3 sprigs thyme, plus 1 tablespoon chopped leaves

1 1/2 sticks (12 tablespoons) unsalted butter

2 teaspoons paprika

Classic Gravy, recipe follows

Classic Gravy:

10 tablespoons unsalted butter, plus more as needed

Turkey neck and giblets (liver discarded)

1 onion, quartered

1 carrot, chopped

1 stalk celery, chopped

3 sprigs thyme

2 bay leaves

1/2 cup dry white wine

8 cups low-sodium chicken or turkey broth, plus more as needed

3/4 cup all-purpose flour

Turkey pan drippings

Kosher salt and freshly ground pepper

Directions

Let the turkey sit at room temperature, 30 minutes. Position an oven rack in the lowest position (remove the other racks); preheat to 350 degrees F.

Remove the neck and giblets from the turkey and set aside for the gravy. Pat the turkey very dry with paper towels and rub inside and out with salt and pepper. Stuff the cavity with the onion, carrot, celery, and sage and thyme sprigs. Tie the legs together with kitchen twine. Put the turkey on a rack set in a large roasting pan and tuck the wings under the body.

Melt the butter in a small saucepan over low heat; whisk in the paprika and chopped sage and thyme. Let the paprika butter cool slightly, then brush all over the turkey. Transfer to the oven and roast 1 hour. Meanwhile, make Classic Gravy.

After the turkey has roasted 1 hour, baste with the drippings. Continue roasting, basting every 30 minutes, until the skin is golden brown and a thermometer inserted into the thigh registers 165 degrees F, about 2 more hours.

Transfer the turkey to a cutting board and let rest 30 minutes before carving; reserve the drippings for the gravy.

Classic Gravy:

Prepare the stock: Melt 2 tablespoons butter in a large saucepan over medium heat. Add the turkey neck and giblets; cook, turning, until browned, about 5 minutes. Add the onion, carrot, celery, thyme and bay leaves; stir to coat. Add the wine and bring to a boil, scraping up any browned bits from the bottom of the pan. Cook until reduced by half, 2 to 3 minutes. Add the broth, reduce the heat to low and simmer about 1 hour. Strain through a fine-mesh sieve into a large measuring cup; reserve the saucepan. You should have 7 cups stock-if you’re short, add more broth.

Melt the remaining 8 tablespoons butter in the reserved saucepan over medium heat. Add the flour and whisk until smooth and bubbling, about 2 minutes. Gradually whisk in the 7 cups stock; bring to a simmer and cook, whisking occasionally, until thickened, about 10 minutes. Set aside until the turkey is done.

Pour the turkey pan drippings into a fat separator and let stand until the fat rises to the top. Discard the fat (or drizzle on your stuffing). Whisk the defatted drippings into the gravy; season with salt and pepper. Reheat before serving.

Insurance Agency West Palm Beach

Jacob’s Insurance Agency 2328 S. Congress Avenue, Suite 2A West Palm Beach, FL 33406 Main Phone: 561-967-8400 ext. 102 Wellington: 561-220-1499

The post Electrical Safety – Keep Your Family and Home Safe During the Holidays appeared first on Jacobs Insurance Agency.

from https://jacobsfl.com/electrical-safety-keep-your-family-and-home-safe-during-the-holidays/

from Jacobs Insurance Affordable insurance company in west palm beach and wellington FL - BLOG https://jacobsfl.weebly.com/blog/electrical-safety-keep-your-family-and-home-safe-during-the-holidays

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smaryliyana10 · 5 years ago

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What is Cyber Liability Insurance and What Does it Cover?

Cyber Liability Insurance

Technology is used in business on a daily basis to store, send, and receive electronic data. This data can be time-sensitive and often contains confidential data related to sales, taxes, and information about customers, employees, and clients.

Cyber liability insurance covers financial losses that result from data breaches and other cyber events and typically include various property and crime coverages. Specific businesses may want to add cyber-terrorism, computer fraud, and other crimes coverages to their policies. The type of business you run may require different coverages. For example, a financial institution may have various potential breaches than a hospital would.

A business will never want to have customer’s payment options or social security numbers lost or stolen. Having sensitive and confidential information stolen can cost a lot to restore, and your business may be held liable for damages to those the data was stolen from.

Protect your business from data breaches by investing in a cyber liability policy.

First and Third Party Coverages

Cyber liability policies include both first and third party coverages. If your company sustains a direct loss, such as damages to the electronic filing system, first-party coverage will apply. Third-party coverages would apply to claims submitted against your business, by those who experienced losses from a breach.

First-Party Coverages

First-party coverage is typically subject to a deductible and applies to damages that result from claims and covers the cost of defending your business against these types of claims.

Loss or Damage to Electronic Data – Covers losses caused by damage or theft of your business’ electronic data caused by a hacker or virus.

Loss of Income – Covers income you lose if you incur a shutdown due to a hacker or breach.

Ransom Attacks – Covers expenses you incur when responding to an extortion demand. A cyber thief may shut down your computer unless you pay a sum of money.

Crisis Management – A data breach can severely damage your firm’s reputation. Thus, some policies cover the costs you incur for marketing and public relations to protect your company’s reputation following a data breach.

Third-Party Liability Coverages

Third-party coverage applies to damages that result from claims and covers the cost of defending your business against these types of claims.

Network Security – This coverage will protect your business against data breaches and protect you if it is alleged you failed to protect data belonging to customers, clients, or employees.

Network Privacy – This coverage will protect your business if it is alleged you failed to protect sensitive data on your computer network.

Electronic Media – This coverage will protect your business against libel, slander, defamation, copyright and domain infringement if these were a result of your business publishing data on the internet.

Jacobs Insurance Agency

Jacobs Insurance Agency offers a broad range of coverage and works with many insurance agencies and can provide quotes from different companies to create a cyber liability package with proper coverage at a great price. Price is important, however, Jacobs Insurance Agency can determine the proper amount of coverage needed for your business and select the option that will save the most money. Using Jacobs Insurance Agency ensures you are protected by the best.

Insurance Agency West Palm Beach

Jacob’s Insurance Agency 2328 S. Congress Avenue, Suite 2A West Palm Beach, FL 33406 Main Phone: 561-967-8400 ext. 102 Wellington: 561-220-1499

The post What is Cyber Liability Insurance and What Does it Cover? appeared first on Jacobs Insurance Agency.

from https://jacobsfl.com/what-is-cyber-liability-insurance-and-what-does-it-cover/

from Jacobs Insurance Affordable insurance company in west palm beach and wellington FL - BLOG https://jacobsfl.weebly.com/blog/what-is-cyber-liability-insurance-and-what-does-it-cover

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smaryliyana10 · 5 years ago

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A Complete Guide to Drone Insurance Everything You Need to Know

Drone Insurance

Unmanned Aerial Vehicles are becoming more popular and making people money. In the United States, drone insurance is not required residentially or commercially. However, having drone insurance is a relatively new concept that can save you a lot of money if an accident happens. UAV technology is not perfect; it is a wise idea to protect yourself and give your clients peace of mind knowing you are insured.

If your drone gets lost or into an accident, drone insurance works like any other insurance policy by covering damages and liability costs.

How do you get drone insurance, what is covered, and how much does it cost?

Most homeowners insurance policies will not cover the use of a drone, even if you are flying it in your yard. Some insurance companies will not insure a drone unless it is piloted by a professional pilot commercially. Insurance companies want pilots to have operating manuals, proof of training, and maintenance logs to prove you are a safe flyer. Being a safe flyer lowers the amount of risk you pose to your drone, and other people and property.

If you are in law enforcement, homeland security, emergency response, fire and rescue, traffic patrol, maritime, geology exploration, videography, or real estate, you may use a drone for your business.

Drone Coverage Will Cover:

Loss or damage to the UAV and associated equipment

Coverage for aircraft operators, including other non-pilot, on-ground crew

Manufacturer Product Liability

Third-Party Legal Liability

Premises Liability

Aviation and Premises Medical Payments

Fire Legal Liability

Independent Contractors Liability

Personal Injury

Advertising Liability

Contractual Liability

Fellow Employee Coverage

War, Hi-Jacking and Terrorism

Damage to Premises You Rent

Your Property & Office/Studio Contents

Types of Coverage

Liability:

Aviation insurance requires you have liability as base policy before adding any other coverage. Liability will protect your business from property damage and bodily injury claims. Liability coverage starts at $500,000 and can go as high as required by your business or clients.

Hull:

Hull coverage protects the business from the financial cost from any Physical Damage that may occur to the UAV.. The business owner, their broker, and the insurance company will agree upon value and quote the UAV based on that valuation. However, it is very essential that the UAS’ value is accurate.

How to Get a Drone Insurance Policy:

Your insurance company will need your name and contact information, whether you need liability or hull coverage, the type and cost of your equipment, how many hours you have flown, the extent of your training, previous accidents or loss, how you will be operating your drone, and the 333 exemption grant.

You Can Lose Your Coverage by Not:

Logging your flights and being able to prove what happened during an accident with flight log data.

Registering your serial number and putting proper identification numbers on your drone.

Logging all battery cycles and maintenance changes.

Practicing ethical flight and uploading proof on social media.

How to File a Drone Insurance Claim

It is wise to know how to file a drone insurance claim in case you ever need to. You will want to notify all proper authorities and your insurance company as soon as the accident or loss occurs. Please know the time, date, and contact information of any witnesses or victims. Allow your insurance company to inspect the damaged property and file a loss with the insurance company within the set time.

Jacobs Insurance Agency

Jacobs Insurance Agency offers a broad range of coverage and works with many insurance agencies and can provide quotes from different companies to create drone insurance package with proper coverage at a great price. Price is important, however, Jacobs Insurance Agency can determine the proper amount of coverage needed for your business and select the option that will save the most money. Using Jacobs Insurance Agency ensures you are protected by the best.

Insurance Agency West Palm Beach

Jacob’s Insurance Agency 2328 S. Congress Avenue, Suite 2A West Palm Beach, FL 33406 Main Phone: 561-967-8400 ext. 102 Wellington: 561-220-1499

The post A Complete Guide to Drone Insurance – Everything You Need to Know appeared first on Jacobs Insurance Agency.

from https://jacobsfl.com/a-complete-guide-to-drone-insurance-everything-you-need-to-know/

from Jacobs Insurance Affordable insurance company in west palm beach and wellington FL - BLOG https://jacobsfl.weebly.com/blog/a-complete-guide-to-drone-insurance-everything-you-need-to-know

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