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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?”

Personalized service is one big advantage of working with an independent insurance agency, but there are some other great benefits as well. What is an independent agency? An independent agency works with multiple insurance companies and can offer more products to meet clients’ needs. When working with a specific insurance company, they only offer products … Continue reading “The Benefits of Working with an Independent Agency”

There are many reasons to get life insurance, and RNI gives you a few to think about, especially if someone else is depending on you. Consider these common scenarios… Getting Married? Now that you have a spouse, are they dependent upon you for support? What would happen if you or your spouse didn’t make it … Continue reading “Do I Need Life Insurance?”

Whether you’re traveling or wrapping up summer chores this Labor Day weekend, Raymond Nelson Insurance has some helpful hints to stay safe. Road Trip The Labor day weekend is one of the busiest on the road. If you’re planning a weekend excursion, follow these tips: Make sure you’re well rested Plan for frequent rest stops … Continue reading “Tips for a Safe Labor Day Weekend”

According to the National Insurance Crime Bureau, average daily auto thefts increase during summer. Raymond Nelson Insurance has some tips for keeping your car from getting stolen Lock your car Remove keys from the ignition Lock the doors Close all the windows Always park your car in a well-lit area. Don’t leave your keys in … Continue reading “Auto Theft – Avoid This Summer”

Summer means longer days and more traveling, which can also lead to an increased risk of getting into costly accidents and more visits to the emergency room. Raymond Nelson Insurance wants to make sure you have the appropriate insurance this season Here’s a list of potential summer risks and how to reduce them. Road Trips … Continue reading “Insure Yourself for Summer Fun”