How to Find the Best Boat Insurance

If you’re like most people, cars and homes and trailers are important, but there’s just something special about a boat. Sailing on the open water alone or with a loved one, whatever the situation, this is your time to find your little corner of the universe and relax. That’s why it’s so important to protect your boat from anything that might damage it. 

Weather, Vandalism, and Theft

Even if you use every precaution, your boat is vulnerable to damage. That’s because you may only use it at certain times of the year. You can’t keep your eye on it all of the time. Having insurance to protect yourself from theft, vandalism of your boat or another recreational vehicle, and other assets is very important.

Weather can also take its toll on a boat, including hail damage or flooding if it’s left outside during a storm. What can you do to ensure that you would not be left with out-of-pocket expenses in the event of a loss?

Insurance of course!

About Boat Insurance

Boating insurance can include collision insurance (for accidents at sea or accidents that might occur when you are using your boat) or liability insurance (in case your boat runs into another boater, for example), and comprehensive (which covers vandalism, theft, and anything else not covered in a collision or comprehensive type policy). 

The OFS Insurance Agency LLC covers the Clinton MS and surrounding area and they are there anytime you need them to discuss insurance for your boat. They understand how important your assets are to you and they work hard to make sure they provide you with the most appropriate coverage. 

Serving Clinton, MS and the surrounding area, they know the types of risks you take and can find a policy that is right for your needs and your budget. 

Your boat gives you hours of enjoyment and fulfillment. Why not return the favor with boat insurance from OFS Insurance Agency LLC. They’ve got you covered. 

Protect Your Motorhome from Pests

When heading out on the road, you want your motorhome in tip-top shape. Protecting your motorhome includes maintaining it and protecting it from pests. Should your motorhome be invaded by pests, there might be hope as long as those in Clinton MS have pest coverage included in their insurance policy. The experts at OFS Insurance Agency LLC understand the need to protect your motorhome and can help find you the best insurance coverage for your needs. 

Now, here are some tips to help protect your motorhome from pests: 

Stop Pests

Sometimes critters, such as mice and insects, make their way into a motorhome. Once they make it inside, it is more challenging to get rid of them. The best way to protect your motorhome from pests is to take preventive methods before they ever have a chance to enter the motorhome. Keep your motorhome clean, uncluttered, and seal off any potential entry points. Additionally, clean up after every meal and securely seal all food items. 

Check the Roof

Unless there is a leak, the roof is the least checked spot on a motorhome. However, to keep pests out, conduct regular checks of the top for cracks and potential areas where pests can enter the motorhome. 

Use a Deterrent

Regularly use some form of deterrent to keep pests away. Some options include regularly spraying the unit with bug spray or distributing mothballs throughout your motorhome. Pests, including rodents, do not like the scent of peppermint, which means you can use peppermint-soaked cotton balls like mothballs to keep pests away.

When it comes to protecting your motorhome in Clinton, MS, you can find help from the insurance experts at OFS Insurance Agency LLC. Contact us for more information about your motorhome insurance options. 

How much flood insurance do I need?

How Much Flood Insurance Do I need?

Flood insurance is generally not required unless you live in a high flood risk area. But since everyone is at risk of flood damage, many people in Clinton, MS, tend to buy inadequate flood insurance and end up paying for the majority of the damage from their pockets. While mortgage lenders require you to adhere to the minimum requirements, experts at OFS Insurance Agency LLC recommend buying flood insurance enough to replace or rebuild your home and its contents. Here are a few ways to know how much flood insurance to buy.

Shop Around

The best part about shopping around is that you will get the correct information you need, especially regarding your flood risk. Even if you have an insurance company in mind, shopping around won’t hurt. You may end up getting a better deal than the one you had previously selected.  Consider comparing prices from 8 to 10 insurance companies in Clinton, MS, to determine how much you will need to invest in your flood insurance.

Calculate the Value of Your Personal Belongings

Most insurance companies will ask you to keep receipts of items you buy, but it’s even wiser if you took an inventory of your possessions. This allows you to calculate the value of every item in your home and purchase enough content coverage to replace them. This includes everything inside your home, such as furniture, appliances, electronics, curtains, and clothing. Note that not all personal items are covered. Some valuable items like jewelry require separate coverage.

Check the Value of Rebuilding Your Home

Don’t go with the value of the house because this changes constantly. Instead, check the cost of rebuilding your home based on the material used, size, and labor cost in your area. Your insurance company can provide you with an approximate rebuild cost.

Seek Help From An Expert

You don’t have to do it all alone when you can find help from experts at OFS Insurance Agency LLC. Feel free to contact us for more information, quotes, or new policy discussions.

Finding The Right Auto Insurance Policy For Custom Vehicles

OFS Insurance Agency LLC offers coverage to the Clinton, MS community, and the surrounding areas. We work closely with our clients to help them find policies that align with their needs and future goals. We are an independent insurance agency. We have relationships with several carriers across the South.

Finding The Right Auto Insurance For Custom Vehicles

Auto insurance protects you against the risks of driving that you encounter daily. The policy protects you in multiple ways. The foundation of your policy is protecting your vehicle if it is damaged, vandalized, or stolen. While you may be aware of traditional auto insurance, things may change if you drive a custom vehicle around Clinton, MS.

Generally, custom vehicles are described as cars with unique modifications to the frame, body, or chassis. The vehicle may also have a unique paint job and accessories on the interior. Because you have invested so much into the vehicle, it’s important that you protect it.

As you start researching coverage, consider having your custom vehicle appraised. This will give you a clear idea of how much your vehicle is currently worth. That can assist you if you are involved in an accident or your vehicle is stolen. Another thing to consider is the amount of mileage on your custom vehicle. To maintain the value of your custom vehicle, it’s unlikely that you plan to drive it regularly. You can add a mileage limit to your policy to help maintain your vehicle’s value.

Storage coverage is another variable. You’ll likely want to store your vehicle somewhere safe with a minimal chance of it being damaged. Storage coverage will protect your vehicle if an accident happens.

OFS Insurance Agency LLC Will Help You Protect Your Investment

Visit our website to learn more information about auto insurance.  

Common Myths About Life Insurance

Life insurance may seem confusing and complicated, given the many types of coverage, insurance providers, and insurance policies. If you are currently looking for a life insurance policy, it is important to research all the options available and to understand myths and misconceptions about this type of insurance:

Myth 1: Life Insurance Is Too Expensive

According to the study conducted by a worldwide insurance research organization, almost 85% of consumers misjudge life insurance costs. They believe that life insurance is too expensive to get. However, the reality is that not all life insurance policies are expensive. Term life insurance, for example, is one of the most affordable options for life insurance. 

Myth 2: If You Are Not a Breadwinner, You Do Not Need Life Insurance

Even if you are a stay-at-home parent, it is still important for you to carry life insurance because of the number of jobs you do, including cleaning, cooking, providing child care, etc. If you suddenly pass away, your family may struggle financially because they will have to pay someone to take over the above-mentioned duties. 

Myth 3: Young People Do Not Need Life Insurance

Even young people need life insurance, and there are life insurance policies covering people of all ages. It is actually better to purchase a life insurance policy when you are young because the premium rate is lower for young people. Moreover, it is impossible to predict the duration of someone’s life, so it is important to be prepared.

Let OFS Insurance Agency LLC Serving Clinton MS Help You

If you live in Jackson, Clinton, MS, or any other surrounding town, and you are shopping for life insurance, OFS Insurance Agency LLC is ready to assist you. No matter what your needs are, our agency will help you find coverage based on your needs and budget. Our professional and experienced agents in Clinton, MS are ready to work with you and answer all your questions. All you need to do is to give us a call for more information. 

 

 

What is a Business Owner’s Policy (BOP)?

You’ve worked hard to grow your small business. But how do you know you have the right type of insurance coverage for your needs and industry? That’s where having a business owner’s policy (BOP) is a good idea for most companies.

Our team at the OFS Insurance Agency LLC in Clinton, MS wants to help. We’ve put together this brief guide explaining what a business owner’s policy is and why you need one to ensure you’re protected.

What is a Business Owner’s Policy (BOP)?

A business owner’s policy (BOP) is a commercial policy that includes the benefits from both business liability and business property coverage. Often, purchasing your policy this way is much more cost-effective than buying individual ones for the same protection level.

The best part about a BOP is that it can also be customized to fit your industry and operations. If you have a physical location, you can tailor it to include situations where customers visit your business. And if you physically visit customers, there are options to extend your policy, too. There are tons of possibilities, so it is always important to talk to your agent about why a BOP is a wise idea for your business.

Why Should Small Businesses Invest in a BOP?

There are many reasons why a small business should invest in a BOP. Every industry comes with a certain amount of risk, so ensuring you have the right insurance for your needs is important. A BOP gives you the maximum amount of protection in a package that is usually quite affordable compared to dealing with having to replace business equipment out-of-pocket or settling a costly lawsuit on your own.

Are you ready to learn more about buying a commercial insurance for your small business in Clinton, MS? Please contact our team at OFS Insurance Agency LLC today for a no-obligation quote.

Who needs to get home insurance?

In the Jackson and Clinton, MS area, there continue to be many reasons to own a property. If you would like to be a property owner here, you will find many advantages. When you buy a property in this area, you will want to get a proper home insurance plan. There are several situations when someone will need to get a full home insurance plan.

When Taking out Financing

When someone in the Jackson or Clinton area needs to get home insurance, they usually take out financing. Using a loan to buy a home will continue to be a great way to purchase a property. However, some rules need to be met along the way as well. If you are going to purchase a home here, you need to get a home insurance plan that meets your lender’s standards. 

When Trying to Protect Property

You will also need to get home insurance when you want to protect your property. Your home is a very major and important asset that needs to be covered and protected as well as possible. If you get a home insurance plan, it will give you the needed coverage in the event your home is damaged.

Those who want to protect their home in the Jackson and Clinton, MS areas need to make sure that they get guidance from someone they can trust. The team at OFS Insurance Agency, LLC can help you build a policy that is ideal for your situation. OFS Insurance Agency, LLC can do this by spending the time needed to assess your needs and build the right policy for your situation. 

What is renter’s insurance?

When you rent an apartment or home in Clinton, MS, you do not need to insure the property because your landlord’s insurance policy covers it. You do need to insure your belongings and insure yourself against liability. You can obtain a renters insurance policy from OFS Insurance Agency, LLC to protect your property and your financial future.

Property Coverage Explained

A renters’ insurance policy protects you in two important ways. The policy covers your personal property, such as furnishings, clothes, computers, stereo, TV, etc., against named perils. Named perils means specific unexpected events such as a tornado, thunderstorm, hurricane, fire, etc.
You can typically choose from two types of coverage:

  • Cash value
  • Replacement value

If you choose cash value, you will receive the depreciated value of the damaged item. If you purchased a TV for $500 five years ago, you get reimbursed for the TV’s current value.

If you choose replacement value, you will receive the cost of purchasing a brand new TV. The tradeoff is simple. Replacement value premiums generally cost a bit more than cash value premiums. Your claim would not cost as much to pay off with cash value.

Liability Coverage Explained

Yes, your landlord has liability insurance, but it only covers their liability. If you fall while entering the building and need to go to the doctor for a sprained ankle, their insurance covers it. If your parent visits your apartment and slips in the bathroom, spraining their ankle, your renters’ insurance policy covers the liability and reimburses their medical costs. Your landlord’s coverage does not cover what occurs inside your private domicile – the living quarters you rent from them. Your renters’ insurance policy covers your liability.

Contact OFS Insurance Agency, LLC of Clinton, MS to learn more about renters’ policies and the add-ons you can include to make this insurance work best for you. You need extra coverage if you run a home business or want to have coverage for a hotel when your apartment incurs damage.

RV Insurance Coverage Types

OFS Insurance Agency, LLC serves the state of Mississippi with RV insurance to protect you whether you park your motorhome on a lot in Clinton, MS, or you explore the many parks and scenic routes of our state. You need the right insurance, though, and to purchase the right policy, you need to decide in advance how you want to use your RV.

If you want to drive it on the road, you need to insure it in the same way you would an auto. You will carry liability, bodily injury, and add items like collision or personal injury protection (PIP). You cannot use your auto insurance, though. You must have a separate policy for your motor home.

Think about adding roadside assistance since changing a tire on an RV makes for a road trip challenge no person wants. You also get two choices auto insurance does not offer – contents and full-timer coverage. Contents cover your belongings inside your RV. That includes the appliances, your luggage, etc. Full timer coverage covers the RV like home, so those who live in it year-round have a sort of homeowner’s RV policy. You need this if you will park it in one spot and live in it there. If you just want to use it on vacation at one campsite, whether for months or weeks, you need a campsite liability policy. You do not need a separate policy on a towed pop-up camper and trailer.

You do need to insure a Class-A, Class-B, or Class-C motorhome. Since many sizes of RV exist and which coverage types you choose affect your costs, we cannot provide a flat rate cost.

Call or email OFS Insurance Agency, LLC to learn how you can protect your motorhome investment. We serve the Clinton, MS metro area, and the state with the RV policies it needs.

Inaccurate Information About Motorcycle Insurance Mississippi Residents Should Avoid While Researching Policies

OFS Insurance Agency, LLC serves the Clinton, MS community, and the surrounding areas, by offering people multiple types of insurance coverage. We are committed to helping our clients find insurance coverage to protect their most important assets.

Inaccurate Information About Motorcycle Insurance

Many people enjoy exploring the scenery around Clinton, MS on their motorcycles. If you enjoy traveling around through the area on your motorcycle, it’s important that you have coverage. Motorcycle insurance covers you if you are involved in a collision. You’ll also be covered if your motorcycle is vandalized and needs repairs. While you are researching different policies, avoid reading some of the inaccurate information regarding motorcycle insurance.

You may read that you can let other people ride your motorcycle and not be responsible because they have insurance. This is not true. If you let someone else ride your motorcycle and they are involved in a collision, you may be held responsible for their actions. It’s important that you are the primary operator of your motorcycle, and if you choose to let someone else use it, they should be someone you trust.

You may read that coverage is unnecessary as the season changes, and you aren’t riding your motorcycle regularly. Your coverage is an asset while you have your motorcycle in storage. Accidents happen, and you may accidentally knock over an object that cracks your motorcycle. Having coverage will give you peace of mind during that situation.

You may read that having a speeding ticket may impact your policy. This is incorrect. While you should strive to operate your motorcycle safely at all times, your policy will not be impacted by one minor speeding ticket.

OFS Insurance Agency, LLC Will Help You Find Coverage Before Your Next Ride

Visit our website to learn more information about motorcycle insurance