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Don’t Make Your Purse Your Lifeline!

Don’t Make Your Purse Your Lifeline!

“Tis the season! My thirteen year old daughter and I went shopping this past Saturday morning.  We were thrilled to be able to spend time together and get some much needed Christmas shopping done.  As we were walking in, I questioned whether I should put some essentials in my pocket (cash, keys, phone) vs. lugging a huge purse around.  I determined that the purse option was a safer bet not wanting those essentials to fall out of my pocket.  

Score!  I found some shoes that I just had to try on.  I sat down on the bench with my purse at my side.  They fit perfectly and were on sale (bonus!  I walked the shoes 5 feet to where my daughter stood with the cart, and realized I didn’t have the weight of my purse on my shoulder.  I immediately went back to the bench not even a few seconds later shocked to find my purse was gone.  I double-checked, retraced my steps, checked the bench and nothing.  It was gone, and the PANIC button was pressed immediately.  We were an hour away from home, no car keys, no cell phone, no credit cards, no ID and no money.  All we had were the coats on our backs.  We instantly started a frantic search pulling every employee within eyesight to assist. We were checking trash cans, shoe boxes and any other place we could think of hoping my “lifeline” would show up.  Unfortunately, it never did.  

So, now what?  Who do I call?  Do you know your loved one’s cell phone numbers?  We are so reliant on our cell phones to keep track of that information for us.  I felt completely helpless.  I knew I had to keep it together and stay calm for my baby girl.  As luck would have it, some good samaritans from our area noticed my daughter’s school attire and offered us a ride.  We met my parents with a spare set of keys at a halfway meeting point.  Thank you, local ladies!  You’re amazing and you know who you are!  Thankfully, my car was still there (as the thief had my car keys) and we headed to the police department to report the incident.    

Now, time to do some damage control.  I was able to call my two major credit cards about an hour after the incident happened.  The crook racked up $800 worth of charges in 20 minutes time.

Looking back at that dreadful morning, I’ve learned a few things.  Yes, there are some morally questionable people in this world, but there are also incredible people that would drop everything to help a complete stranger.  From all the employees at the store to the wonderful ladies that were willing to go out of their way to help me and my daughter get home;  I am sincerely grateful.

I’ve learned a hard lesson and want other people to learn from me. Please  limit what you have in your purse and only bring what you need for that trip.  Do NOT make your purse your lifeline.

Do I need Sewer Backup and Drain Coverage?

Do I need Sewer Backup and Drain Coverage?

Backup of Sewer and Drain Coverage | Ohio Insurance

Picture this. You open the door to your basement and see your kids’ toys floating across the floor and everything else under six inches of water or sewage. There is never a “good time” for these instances to happen. Some of your first questions may be:  How did it get in?  How am I going to get it out?  And, do I have coverage for this?

flooded-basement-ohio-insurance

Backup of Sewer and Drain Coverage is coverage for back up through sewers or drains or overflow or discharge of a sump pump or related equipment, even if the equipment suffers a mechanical breakdown.  This coverage is not automatically included on a homeowner’s policy, but can be endorsed for a small premium.  The premium for this varies on how much coverage you want.  Coverage generally runs in increments of $5,000 and can range from $5,000 to $50,000, or more, depending on the company.  Backed up sewers and drains can do major damage to your home, causing thousands of dollars to your floors, walls, furniture, etc…  If your basement is finished or you store items in your basement you may want to consider this coverage.

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A few tips for protecting you and your belongings are:

  • Store valuables in waterproof bins.

  • Make sure your sump pump is reliable and in good working order.

  • Raise appliances up off the floor.

  • Invest in a generator to keep your sump pump operating through power outages.

  • Call Preferred Insurance Center to purchase water backup coverage.

If you want a quote or have any other additional questions on this coverage let us know.  We are always here to help.
4 things to know when insuring your teen driver

4 things to know when insuring your teen driver

Are you about to add a teen driver onto your Ohio insurance policy?

Let’s admit it: adding the first teen driver onto our auto insurance policy can be very scary.  Not only are we crossing our fingers that the new insurance premium won’t break the bank, but we are also sending our babies out behind the wheel. Here at Preferred Insurance Center, we want to make this transition as easy and manageable as we can.

Adding teen driver to insurance policy

  1. Did you know most Ohio insurance companies do not require a permitted driver be added onto the policy until they get their driver’s license?  A permit driver is required to have a parent or a legal guardian as co-pilot.  Therefore, most Ohio auto insurance companies do not require them to be added until they get their license.  If you are unsure if your permitted driver is covered, give us a call and we can check for you. 
  2.  Most states require we add our licensed teen drivers onto our auto policy if they are members of our household and/or drive our vehicles on a regular basis.  If they are not added, the company may or may not cover them if they are involved in an accident.
  3. Adding the first teen driver onto our policy can give us the most sticker shock than any other change we make to our policy.  Youthful operators are among the highest-risk drivers out there and companies have more at stake to insure them.  Also, statistics show that boys tend to take more driving risks than girls and are usually slightly more expensive to insure.
  4. Our kids can help by doing their part and keeping their grades up.  All of our companies give a Good Student Discount for any youthful operators who are full-time students that maintain a “B” or better grade point average.  This can be up to a 10% discount (varies from company to company).

Again, we want to make this transition as easy and manageable as we can.  So, once that big day arrives, let us know.  We will reach out to all of our companies to make sure you are in the best fit once that first child is added.  As always we’re here to help.

Give us a call to learn more about adding a youthful driver or any other questions you may have, 419-678-2326. Or Click Here to request a quote online!

Sincerely,
Kelly Heitkamp | Service Specialist

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