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Auto Insurance Gaps You Need to Know

Take note of what these two endorsements are in your current insurance policy. Every insurer should be aware of the gaps in coverage in these four endorsements. Auto Loan/Lease Gap This is a first party coverage intended for the benefit of the insured. The coverage allows the insured to satisfy its contract with the lienholder. The endorsement pays the difference between the amount paid by the physical damage coverage and the amount owed, although this only happens when there is a total loss. The payment is dependent on the value associated with the specific value. Expenses such as overdue payments, usage penalties, and security deposits are excluded from coverage. Consider this endorsement for all insureds with leased or recently-purchased vehicles. Rental Reimbursement When the insured suffers a first-party loss of a covered vehicle and cannot use the vehicle until it is repaired, a replacement car should be provided. Rental Reimbursement Coverage is designed to reimburse the ... Read more

Labor Day Shareable Salad Recipe!

Check out this delicious, healthy black bean and corn salad recipe! This dish is quick to prepare, easy to make, and pleasing for all! Enjoy this over Labor Day weekend with friends and family! Ingredients: 1 can, 14 ounces, black beans, rinsed and drained 2 cups frozen corn kernels 1 small red bell pepper, seeded and chopped 1/2 red onion, chopped 1 1/2 teaspoons ground cumin, half a palm full 2 teaspoons hot sauce 1 lime, juiced 2 tablespoons vegetable or olive oil Salt and pepper Method: Combine all ingredients in a bowl. Let stand at least 15 minutes for corn to fully defrost and flavors to combine. Toss and serve! The corn will also place a quick-chill on this easy side-salad as it defrosts so there is no need to refrigerate! From all of us at Agers Insurance Services, we hope that you enjoyed making this quick and easy recipe, and that you and your loved ones have a safe and fun Labor Day weekend! ... Read more

Facts You Should Know About Renter’s Insurance

Renter's Insurance 101 Even though renter’s insurance is one of the most affordable types of insurance out there, it is also one of the most misunderstood. Since many people do not fully understand renter’s insurance, it leaves them uncovered from many situations. Keep these renter’s insurance facts in mind to help make sure that you are properly protected from any peril. You face liability issues without renter’s insurance – if someone is injured while visiting your home, you can be sued for their injuries. Your renter’s insurance policy will cover any legal costs that are associated with the accident to keep you financially stable. Your landlord’s policy won’t protect you – even though your landlord will have an insurance policy for the property, it will only provide coverage for the structure of the home, not for your personal belongings that you keep inside. The only way to cover your assets is with ... Read more

Safely Enjoy The Water With These Tips

Boating Safety There is still a full month before fall starts, which means there is plenty of time to enjoy various summer activities! Heading out on your boat can be the best way to take advantage of the season before the weather starts cooling down. Before you start backing your boat down the launch ramp this month, make sure to keep these safe boating tips in mind. Check the weather – take a look at the forecast before you hit the water. If a storm or other inclement weather is forecasted, you may want to change your plans and head out another day. Getting stuck on the water during bad weather can be very dangerous. Create a pre-departure checklist – make sure that you are prepared for anything you may encounter on the water by creating a checklist to follow. Your checklist can help to make sure that no precautions or safety ... Read more

Quick And Easy Shrimp Recipes To Enjoy

Shrimp Recipes Dinner parties are one of the best ways to get all of your friends and family together in one place while enjoying a delicious meal. If you are looking for new recipes to try out at your next dinner party, keep these delicious shrimp recipes in mind. Orange Chili Shrimp Cocktail Ingredients: 1 pound raw, peeled, and deveined shrimp 1 jalapeno, sliced ½ small red onion, chopped ¼ cup chopped cilantro ¼ cup orange juice 2 tablespoons lime juice Salt to taste Directions: Cook the shrimp in simmering, salted water until they are opaque, about 3 to 5 minutes, and let cool. Toss the shrimp, jalapeno, onion, cilantro, orange juice, and lime juice together in a bowl. Season with salt, and allow to marinade for 15 minutes. Serve with chips. Hoisin Glazed Shrimp Skewers Ingredients: 2 scallions, sliced 1 seedless cucumber, sliced 2 tablespoons rice vinegar 2 tablespoons canola oil Kosher salt and black pepper to taste ¼ cup hoisin sauce 2 teaspoons toasted sesame seeds 1 pound peeled and ... Read more
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