Personal/Family Archives - Page 2 of 14 - Premier Insurance Services

Know That Medical Insurance Doesn’t Cover Everything

Post author:Mark Kofalt
Post published:September 25, 2021
Post category:Personal/Family Senior Care

Though it is important to have medical insurance, you should be aware that this insurance does not cover everything. Medicare, though it is helpful, does not provide complete coverage of health care costs like many people assume it does. Finding out that Medicare doesn’t cover everything can be difficult for many Americans who do not have the money saved up to cover medical costs. It is important that you know how much you will end up paying in medical costs so that you can plan early in life and avoid being blindsided when you have to start paying out-of-pocket costs…

Questions About Fire Sprinkler Systems

Post author:Mark Kofalt
Post published:September 20, 2021
Post category:Business Personal/Family

Now that you know more about how to reduce your homeowner’s premium, it is time to learn about how to save money and save lives with your fire sprinkler system. Automatic fire sprinkler systems can end up saving lives and preventing disasters from occurring. However, you may have questions about how fire sprinkler systems work and why they can be so effective. Point blank, fire sprinklers are effective--according to the National Fire Protection Association, there are no records of fires resulting in more than two fatalities in areas that had adequate sprinkler systems. In these cases, the deceased were typically…

Common Questions From Homeowners Answered

Post author:Mark Kofalt
Post published:September 20, 2021
Post category:Personal/Family

How Can I Reduce My Homeowner’s Premium With Premier Insurance Services? Given that homeowner’s insurance rates are on the rise, you are likely looking for ways to reduce your homeowner’s premium to save money in the long run. Though this may seem like a difficult task, there are various methods you can take to reduce your homeowner’s premium with Premier Insurance Services. Some of the numerous ways that you can chip away at your overall annual premium include: Raise your deductible. Raising your deductible, or the amount of risk you agree to accept before your insurance company starts paying on…

10 Ways to Reduce Your Homeowner’s Premium

Post author:Mark Kofalt
Post published:September 15, 2021
Post category:Personal/Family

With homeowner's insurance rates on the rise, you may be looking for ways to reduce your annual premium without skimping on coverage. After all, a large portion of your net worth resides in the same place as you do. But there are a number of strategies you can use to chip away at your overall annual premium, including: Raising your deductible - Your deductible is the amount of risk you agree to accept before the insurance company starts paying on a claim. As homeowner's rates increase, you may want to be willing to take on more of the risk yourself.…

Medicare Offers Weight Loss Program for Eligible Participants

Post author:Mark Kofalt
Post published:August 25, 2021
Post category:Personal/Family Senior Care

As we have been repeatedly reminded throughout the COVID-19 pandemic we experienced last year, our health is important. As Americans age, managing our health becomes even more important. Healthy choices, like diets and exercise routines, are easy to ignore after retirement. People often eat less or eat fewer nutrient-packed foods after they retire. Making healthy choices can be a struggle for everyone. But for someone who is not as active as they were when they were working, it can be particularly difficult. An increase in the number of expanding waistlines have caused health insurance companies and health across the…

How to Travel Safely with Your Pet

Post author:Mark Kofalt
Post published:August 15, 2021
Post category:Personal/Family

For the vast majority of us, traveling with a pet is not an easy task. Although most cars are not really designed for conveniently transporting our pets, there are times when driving with your cat and/or dog is absolutely necessary. Taking Fido or Fluffy to the vet, dog park, or even on a road trip with you are some examples of when you may have to drive with your pet. Sometimes these events are just unavoidable. Safely Driving with Your Pet Unfortunately, accidents happen. Some auto insurances offer coverage if your pet is injured in a car accident. Even so,…

Want to be Prepared for Retirement? Work With a Professional

Post author:Mark Kofalt
Post published:June 15, 2021
Post category:Personal/Family Senior Care

Did you know that people who use financial advisors are more likely to feel confident in their retirement preparedness than people who don’t? Well, according to a recent report from the LIMRA Secure Retirement Institute, it’s true. Reportedly, out of the pre-retirees surveyed by the LIMRA Secure Retirement Institute, 43% of those who work with an advisor claimed to feel well prepared for retirement. In contrast, only 21% of those who do not work with a financial advisor report feeling similarly confident. It Helps to Have a Plan Additionally, the survey found that having a formal, written retirement plan is…

Close-up of man and younger woman examining car after accident.

Fender-benders – Your Guide to Minor Accidents

Post author:Mark Kofalt
Post published:June 15, 2021
Post category:Personal/Family

Accidents can happen all too easily; and, if not handled properly, the situation can quickly spin out of control. Imagine that you find yourself in this scenario: While behind the wheel, you misjudge the space between your car and the one in front of you when making a turn in close traffic. You tap the rear bumper of the car in front of you. The other driver gets out of their car to inspect the bumper. They appear to be unhurt, and you don’t see any noteworthy damage to the car either. The other driver tells you to forget about…