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​Hello and welcome

To the Zimmer Insurance Group Blog
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What is Replacement Cost?

3/30/2016

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When "replacement cost" coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with like kind and quality at current prices without any deduction for depreciation.

So that means if your two year old TV was damaged in a storm, if the model of your TV is still being sold then it is likely you will receive that same TV.

If not however, then you would receive a newer TV that is very similar to the one you originally owned.

​Many companies require that if you want to have replacement cost coverage on your items that you have at least 80% of the property’s value covered at the time of loss.  

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Why an umbrella policy is a good idea for EVERYONE

3/25/2016

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Umbrella insurance
A common myth about umbrella policies is that they are only for the wealthy population.

​Forget that, an accident can happen at any moment to anyone.
 
An umbrella policy provides EXTRA coverage when your normal limits are exhausted. 

Read the stories below to put this coverage into perspective.

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Can an existing life insurance policy be used to repay an outstanding mortgage loan?

3/21/2016

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Yes, the purchase of a new mortgage protection term insurance policy is usually not required by the lender.

An existing policy, either term or cash-value life insurance can be used for many purposes, including paying off an outstanding mortgage loan balance in the event of the insured's death.

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Should I purchase flood coverage?

3/15/2016

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Once it starts raining it's too late. 

Flood coverage needs to be purchased in advance to the storm. 

First things first, if your property lies in a flood plain as determined by US Government Flood Maps, ask your independent agent about a flood quote.

You can view the maps at www.floodsmart.gov.

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What is collision coverage?

3/10/2016

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One minute you're driving down the road and everything is peaceful, the radio is playing and the sun is shining. It's a beautiful day until you hear the screeching tires and...

BOOM! 

The sound of crushed metal, the breakage of glass, debris flying everywhere and you have no idea what just happened.

It had to be significant for all that noise and commotion.

Just how significant?

Your car is now totaled and you are (hopefully) standing on the side of the road wondering
 
"What now?" 
INSURANCE! Hopefully you had it before this beautiful day turned bad. 

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What if I damage a rental car? Will my insurance cover that?

3/4/2016

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At some point or another you might have to rent a car. 

If you have rented a car before you will know that several rental companies offer insurance add-ons that will have you covered.

If you have experience then you know that those extra coverage's that they offer can become very costly.

​Here's a quick guide on how your existing car insurance can be used. 

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  • Home
    • News
  • Contact
    • Client Testimonials
  • About
    • Our team >
      • Christi Whalen
      • Deb Peters
      • William T. Zimmer
      • Greg Zimmer
      • Dave Hinkley
      • Carla Stauffer
      • Alex Zimmer
      • Jodi Newman-Schliefert
      • Betty Piper
      • Amy Schwartman
      • Jennifer Nelson
      • Shauna Randall
      • Kyliane Neemann
    • Our Partners
  • Services
    • Personal Insurance >
      • Auto Insurance
      • Motorcycle Insurance
      • Homeowners Insurance
      • Renters/Condo Insurance
      • Personal Watercraft
      • Umbrella Insurance
    • Commercial Insurance >
      • Property Insurance
      • Business General Liability
      • Business Auto
      • Worker's Compensation
    • Life Insurance
    • Health Insurance
    • Retirement Plans >
      • IRA's
      • Annuities
      • 401(k)
      • Long-term Care
    • Group Insurance
  • Payments/Claims
  • Blog
  • Insurance 101
  • Legal Statements