Prepare Today For Your Family's Tomorrow

Perhaps you’re not in perfect health; maybe you’ve been turned down for life insurance before. Yet you want to plan ahead to take care of your obligations — you don’t want to burden your family, the ones you care most about. You may think you’re stuck without options but we may be able to help.

Now, you may qualify for up to $20,000 of permanent whole life insurance¹ with no medical exam — only 3 health questions. Here is some information you may want to consider:

• You don’t have to be in perfect health — If you’re age 80 or younger and still living independently you may qualify.
• Your policy builds cash value — You may be able to borrow against your policy to cover unexpected expenses.
• Your rate will never increase — Regardless of your age or health, your premium will never go up.

With the average cost of a funeral now more than $8,000², this coverage can help you provide for these types of expenses and is an easy way to help you prepare for tomorrow. You've always planned ahead to take care of your obligations — that's why you have insurance. Call me to learn more so you can be sure you have the life insurance you want.
Contact Me: Marianne Hobbs Insurance Agency 602.547.1970 OR http://www.farmersagent.com/mhobbs




¹Farmers Graded Death Benefit Whole Life Insurance Product. Limited Death Benefit during first two policy years. Policy form numbers ICC11-2011-123, 2011-123 series.

²National Funeral Directors Association, General Price List Survey, National Average 2010.

Life insurance issued by Farmers New World Life Insurance Company, Mercer Island, WA 98040.
Products and features may not be available in all states and may vary by state.

Are You An Accidental Landlord?

Attention, homeowners turned landlords: Have you recently decided to rent your home instead of selling it in the current market? If so, you are now a landlord, and when you become a landlord your property becomes a place of business. There is a policy specifically for landlords. 

A growing number of homeowners are becoming landlords by default rather than design. Many who are relocating for a job or other reasons are having trouble selling their homes. Others who are relocating would prefer to wait until the market values increase before selling. And many people who own second homes are choosing to rent them to generate additional income. In any event, you may find yourself becoming an “accidental landlord.”
Keep in mind that when it’s rented, your property changes character — it becomes a place of business. It is no longer your primary or secondary residence, and there is a different type of insurance policy for your status as a landlord. A landlord insurance policy normally covers the property — both the building and the landlord’s personal property.


Many choices
Landlord policies typically cover the building in case it’s damaged or destroyed by:

• Fire
• Explosion
• Lightning
• Windstorm*
• Hail damage*

There are other important coverages that are typically part of a landlord package policy but which can be added to a property only landlord policy for an additional premium:

• Coverage for vandalism
• Loss of rents
• Landlord Personal Liability Coverage

Depending on your individual situation, you may consider some options especially important. For example, do you rely on rental income to pay your living expenses? If so, a landlord policy may include coverage to help compensate for lost rent if the building is uninhabitable because of covered damage such as fire or explosion. Personal liability coverage often can be added to a landlord policy that covers property only. You may want liability coverage in case you are sued because someone is hurt on or in the rental property.


Call me
I can give you additional information and answer any questions you may have so that you have the coverage you want when you rent out your property.


Marianne Hobbs Insurance Agency 602.547.1970 OR http://www.farmersagent.com/mhobbs

*Coverage may not be available in all areas and can vary among states.

It’s Your Stuff

“What are the odds?”
“My landlord has insurance.”
“I can’t afford renters insurance.”
Question: What if everything you own in your apartment or rental home was stolen or destroyed? Normally, your landlord’s insurance doesn’t cover your personal property. Would you have the thousands of dollars it could cost to replace all of your belongings? If your answer is no, you may want to consider renters insurance. Standard coverage typically includes:
Coverage for your possessions

• Based on the property you own, you choose the amount of coverage you want.
• Your personal property is covered anywhere in the world.
• Coverage is on a named-peril basis, which means that only losses resulting from causes listed in the policy are covered (subject to exclusions).
• For an additional premium, replacement cost coverage for your personal property may be available to pay for the cost of repairing or replacing lost or damaged items without deducting for their depreciation.

Additional Living Expenses

• Covers additional living expenses if a covered loss makes your living quarters uninhabitable.
• Coverage is based on a percentage of the amount of insurance you choose for your personal property, and covers the necessary increase in living expenses (hotel, meals, laundry, etc.) to maintain your normal standard of living for the shortest time needed to repair or replace the living quarters, or for you to permanently relocate, but only up to a stated period of time, often 12 months.

Liability coverage — If your guest or visitor is injured, or their property damaged because of an accident at your residence, you could be sued:

• At our expense, we will select an attorney to defend you from any covered claim or lawsuit.
• We pay for the covered damages from a covered claim or lawsuit if you’re legally liable for someone else’s bodily injury or property damage.

Medical Payments to Others (sometimes called Guest Medical)

• Pays for necessary medical expenses for people (other than residents of your household) accidentally injured at your residence, or accidentally injured elsewhere due to your activities or due to your pet, regardless of liability up to coverage limit stated in policy.

Call me for more information. Learn how you can pay a little to cover a lot with renters insurance from Farmers — and how you may be able to save money with Farmers’ auto/home discount.
Contact Me: Marianne Hobbs Insurance Agency 602.547.1970 OR http://www.farmersagent.com/mhobbs

HOLIDAY SAFETY

Holiday Safety

  Keeping your home and business safe  

While the holidays can be a time for celebrating and rekindling with loved ones, it could quickly turn disastrous by the way of a structure fire.

According to the National Fire Protection Association (NFPA), fires that began with Christmas trees accounted for estimated annual averages of 240 structure fires and an average of 13 deaths, 27 injuries and $16.7 million in property damages.

Forty-two percent of those fires occurred from Dec. 23 through Jan. 3, according to the NFPA.

The NFPA said holiday lights with line voltage were the culprits in an estimated average 150 home structure fires, causing an average of eight deaths, 14 injuries and $8.5 million in damage. Almost half of these occurred in December and 13 percent happened in January, according to the NFPA.
 

Christmas Tree Safety:

• Consider an artificial tree for safety and clean up
• A real tree should not lose green needles when you tap it on the ground
• Cut one inch off the trunk to help absorb water
• Leave the tree outside until ready to decorate
• The tree stand should hold a minimum of one gallon of water
• Check the water level daily
• Make sure the tree is secured and cannot be knocked over
• Keep the tree away from all heat sources
• Use miniature lights that have cool-burning bulbs
• Always turn off the tree lights when going to bed or leaving
• Never use candles even on artificial trees
• Dispose of the tree properly after the holidays

Information courtesy ServiceMaster All Care Restoration, Peoria, Az.

“My dog doesn’t bite” — until it does Sometimes even good dogs bite, and when they do, you could be sued. If your dog bites someone, don’t panic. It’s important to remain calm so you can take swift and appropriate action: Restrain your dog immediately. Separate it from the scene and confine it. Seek medical attention immediately. If you think the injured person needs medical attention call 911. Call me. If you have personal liability coverage under your Farmers property policy call me and be prepared to give me information about the time and place of the incident and the name and phone number of witnesses and any injured person. Remember, if you have Farmers property coverage you can always call HelpPoint® Claim Services by Farmers at (800) 435-7764 for assistance when you need it most. Watch the body language Dogs express their feelings with their bodies just as people do. For instance, a threatening dog may have a wrinkled nose that draws back to reveal its teeth; the hair along the back of its neck may be raised and its ears may lie back; its body may appear tense and the dog may growl or snarl. If your dog is behaving like this, remove him from the scene immediately and confine him. And, always try to avoid any dog displaying any of these signs or acting in a threatening manner. Call for an appointment to review your current policy. Marianne Hobbs Insurance Agency 602.547.1970