Travel insurance helps protect you when unexpected things happen before or during trips. Getting travel insurance for the holidays can be a wise decision for several reasons. While the specific coverage may vary depending on the policy and provider, here are some common reasons to consider purchasing travel insurance: Trip Cancellation  Travel plans can be … Continue reading “Holiday Insurance Travel”

Local US fire departments respond to over 1.3 million fires every year and cause over $16 Billion in damages. Everyone should be aware of several common house fire hazards and take precautions to prevent them. Electrical Issues: Overloaded electrical outlets or power strips. Frayed or damaged electrical cords and wires. Faulty wiring or outdated electrical … Continue reading “Don’t Become a House Fire Statistic!”

Check out these different types of recreational vehicles and the insurance they require to keep you safe and sound during your adventure!  From ATVs to golf carts, make sure you have the right insurance before any road trips so you can enjoy the journey worry-free.  RV Insurance Unlike other vehicles, recreational vehicles (RV) don’t always … Continue reading “Do you Need Insurance for your RV? Golf Cart?”

We want to remind you to be extra cautious when driving near schools. Here are a few school safety tips to ensure the safety of our kids:   1. Slow down and remain alert There’s going to be a lot more kids on the sidewalks and streets when school starts, so take it slow and always … Continue reading “Back To School Safety Tips”

Auto insurance rates are predicated on the fact that someone is going to file a claim because of an accident. Rates are adjusted to your driving record and a speeding ticket can have an impact on your rates since speeding would be more likely to cause an accident. Insurance agencies will check your motor vehicle … Continue reading “Does a Speeding Ticket Affect Your Car Insurance?”

Spring storms can cause unexpected water damage to your home. Here’s why you should consider adding water backup coverage to your homeowners policy. Most homeowners don’t think about water backup coverage when getting home insurance, but water backup can cause extensive damage to your home.  Why you need it: It’s not included in a standard … Continue reading “Are You Covered for Water Backup Damage?”

With car theft on the rise, it’s important to protect your car and valuables. Raymond Nelson Insurance has some tips on preventing your car or car parts from being stolen. Car theft and car parts theft is on the rise. According to Claims Journal, car theft is on the rise. This is partially due to … Continue reading “How to Protect Yourself from Car Theft”

Spring weather in Hopkinsville can be unpredictable. Raymond Nelson Insurance wants to prepare you for sudden weather changes with these severe weather tips: Getting your home ready Ensure your gutters and downspouts are cleaned. Heavy rains should flow freely off your roof and drain well away from your home. Prune tree limbs and branches. In … Continue reading “Staying Safe During Spring Severe Weather”

Having life insurance is a wise decision and having it through your employer is a great benefit, but are you getting enough coverage for your family? Raymond Nelson Insurance has some answers. Is it enough? Research shows that one of every three families would be in financial hardship in less than a month if they … Continue reading “Life Insurance Through Your Employer…Is It Enough?”

One of the hazards of winter weather is frozen pipes that burst and cause damage to your home. Are you covered by your homeowners policy? Coverage with exceptions Most homeowners insurance will cover pipes that burst because of sudden and accidental damage. But, the exception would be if the damage occurred because of homeowner negligence. … Continue reading “Does Homeowners Insurance Cover Burst Pipes?”

It’s that time of year when packages are being delivered to your home when you’re not there, but the packages thieves are. RNI offers our tips on how to prevent package thefts. _______________________________ Notice of package delivery Most carriers will notify you when they have delivered packages to your home. If you get a notice … Continue reading “How to Prevent ‘Porch Pirates’”

Holiday shopping means crowded parking lots and runaway carts that can damage your vehicle. Raymond Nelson has some facts for you to know. Who is at fault? The store where you shop is not liable for damage by errant carts. Stores usually have signs posted in the parking lot just for this reason. Are you … Continue reading “Shopping Cart Damage – Are You Covered?”