Does My RV Insurance Cover my Belongings too?

OFS Insurance Agency, LLS offers residents in Clinton, MS who own RVs advice on how to protect their items while they are traveling. If you have the right type of RV insurance, it will cover your possessions while you are on the road. The key is understanding how to protect what you have so that your risk of a break-in is low, and your family remains safe and secure.

Keep Track of What You Have

Keep a running inventory of what items you have in your RV. A photo or video inventory is a great way to show what you have and the condition of each item. Make sure your list is detailed and that several copies are made. You should keep your copy in a safe place and give one to your insurance agent.

Take Steps to Protect Your Property

There are several steps you can take to protect your property. Keep your RV locked at all times. It’s also a good idea to keep items of value out of sight. Always make sure items are correctly put away before you leave and keep the curtains pulled so that the view inside is limited.

In Clinton, MS, the agents of OFS Insurance Agency, LLC have the experience they need to assist you with all of your insurance needs. Always be aware of your surroundings and take the necessary steps to protect your possessions. Before you take off on your next adventure, make sure to contact your agent and let them know what you are doing. We can offer you several ideas on how to make your trip the best one ever. Find out what tips we have by calling us today!

Scenarios Motorcycle Insurance Can Protect You Against In Mississippi

The moment you buy a motorcycle in Clinton, MS, you have to make sure that you get motorcycle insurance. Not only is an insurance policy critical to stay compliant with the state but also to protect you against various scenarios. At OFS Insurance Agency, LLC, our agents can work to customize a policy for you.

Once you register your vehicle, you will need to show proof of motorcycle insurance. The state of Mississippi requires you to have liability coverage over bodily injury and property damage. You would be protected in various scenarios where you’re involved in an accident with another vehicle.

What other scenarios are you protected against?

The reality is that you never know what could happen on (and off) the roads of Clinton, MS. If you are injured or your bike gets damaged, you want to know that you have sufficient protection with your insurance. You should be able to file a claim, pay the deductible, and let the insurance company take care of the details.

What happens if your bike wipes out on road debris or your bike gets stolen at your home? You have to expect the unexpected when you begin customizing your motorcycle insurance policy.

By adding various riders and levels of coverage, you can protect against all sorts of scenarios including:

  • Injuries to you and your passenger
  • Damages as a result of a collision
  • Damages as a result of a storm
  • Vandalism
  • Theft

Don’t assume that your home insurance policy will cover theft, even if your bike is parked inside your garage. By working with an agent, you can discuss just how comprehensive your policy can be. This way, you’re protected against more scenarios that could occur at any time throughout the year.

When you’re ready to focus on a motorcycle insurance policy in Mississippi that you can count on, call us at OFS Insurance Agency, LLC today.

Protect Your Investment in Colorado with Commercial Insurance

Over the years, Colorado has been growing pretty consistently with people moving from different states and starting new businesses. It is a fantastic sight to see that entrepreneurs are starting to make their dreams a reality in a growing economy. With starting a new business comes the need to protect your assets as much as you possibly can. 

At Strategic Insurance Services, LLC, we serve the Denver, CO area, and have assisted many businesses in preparing for success and protecting their assets. We strive to ensure that our clients are protected if something happens out of their control that does not result in loss of money or assets from the business. Many businesses end up failing before they reach one year of existence because they fail to meet specific state laws and commercial insurance standards. 

Having commercial insurance gives great liability coverage if anything happens to (including but not limited to) vehicles for business use, reimbursement for any weather damage that may occur (which can occur during substantial snow/hail time), and workers’ compensation. In addition to the latter, commercial insurance can protect business owners from natural disasters and lawsuits. By Colorado state law, there are specific regulations that businesses have to follow. With the proper commercial insurance, business owners can make sure that they legally meet coverage and risks.  

To speak to one of our agents about providing your business with the appropriate commercial insurance that you need, contact our office in Denver, CO. The team at Strategic Insurance Services, LLC will be happy to help answer your questions and get you started with a quote.

Why You Need Boat Insurance in Mississippi

Anyone that lives in the Clinton, MS area should consider buying a boat. When you live in this area of the state, the warm weather and access to many local waterways can make it a great investment and option. For those that are in this area of Mississippi and want a boat, getting boat insurance should be part of the process. There are many reasons why you need to get boat insurance. 

Will Ensure Eligibility

One of the reasons why you should get boat insurance when you are in this area is because it will ensure that you are eligible to use your boat in all areas. When you have a boat, there are certain areas around Clinton that will want you to have this coverage. When you have a full boat insurance policy, you will be eligible to use it anywhere. 

Gives Coverage for the Boat

Another benefit of getting a full boat insurance policy is that it will give you coverage for almost any situation. Buying a boat is a big purchase and investment, which you need to keep properly covered and protected. When you have boat insurance, it will give you the coverage that you need if your boat is stolen or damaged. Most of the time, a boat lender will also want you to have this coverage. Liability can come into play with accidents, as well. It is better to be safe rather than sorry.

There are many reasons why you will want to have boat insurance when you have a boat in the Clinton, MS area. When you are looking for a new policy, you should call the team at OFS Insurance Agency, LLC. When you speak with OFS Insurance Agency, LLC, you can receive information to help you understand your options and needs better. Contact our office to learn more about your options and how you can get started with a quote.

Understanding Motor Home Insurance in Mississippi

It is crucial to understand that liability coverage offers protection from bodily injury or property damage coverage to someone else’s property. Still, you need to have coverage to protect yourself adequately, as well. Typically, motor home insurance is used only for a certain number of days in the year, which is when those vacations and trips start to come around. Some policies include Roadside Assistance that provides on-the-spot support 24/7, and some situations will allow insurers to provide for garage costs if the repair requires a lift and specific tools. There are other options, such as pet injury, vacation liability, loss assessment, and more that are also offered in certain cities.

Motor home insurance can be tricky because it qualifies as a home if you’re living in it and also a vehicle as you drive it. Typically, motor home insurance is categorized into full-time or recreational. Full-time is for those who are using the motorhome as a primary residence, while the recreational type is for occasional users. Some of the coverage overlaps both categories, but some limits might apply to one and not the other. The rate of insurance will depend on factors such as the age of the driver, the use of a motor home, and the type of motor home.

Therefore, it is very important to consult an expert such as a local insurance agent that can navigate you through the different requirements, legal nuisances, and policies related to motor home insurance. Get the guidance you need right now by contacting OFS Insurance Agency, LLC serving Clinton, MS. Not only will you get a personalized motor insurance policy, but the agents will guide you through common pitfalls to avoid with motor home insurance but also educate you, so you make an informed decision. Contact OFS Insurance Agency, LLC serving Clinton, MS for more information regarding motor home insurance and to learn how to get started with a policy.

Is Flood Insurance A Good Idea If You Live In An Area That Is Higher In Elevation?

If you have only home insurance, you may not be completely protected from all potential threats. When it comes to flooding, homeowners need to purchase a special flood insurance policy provided by the government to protect their property from flooding as a result of many scenarios.

Flood Threats

Even if you don’t live near a body of water, that doesn’t mean you are immune from the potential for losses as a result of flooding. If you live in an elevated area, you still may be exposed to risks as a result of a dam breach, melting snow, or heavy rain accumulation. In order to determine if you need flood insurance, you should speak with an insurance agent who has the tools necessary to help determine your potential for risk. In many cases, homeowners were not aware of a high risk of flooding. Get the information and tools required to protect your property and belongings with flood insurance.

Learn More About Flood Insurance

The best way to protect your investments is to arm yourself with knowledge about insurance products that can be beneficial. Flood insurance is one of these options that may be wise to invest in and learn more about ways to help provide a total blanket of protection in the future. If you live in or near the Clinton, MS area, you should consult with an agent from OFS Insurance Agency, LLC to find out more about flood insurance options in your area. 

Don’t risk losses as a result of inadequate insurance coverage. Find out if flood insurance offered by OFS Insurance Agency, LLC, serving the residents of Jackson and Clinton, MS, is right for your needs. Call or stop by today to find out more information. 

What types of auto insurance coverages should drivers consider?

When it comes to auto insurance, there are so many types of coverages available in the marketplace that it can be confusing to know just what type of policies are right for you. If you live in the Clinton, MS area, the agents at OFS Insurance Agency, LLC would be happy to meet with you to design a customized policy to fit your auto insurance needs. 

Mandatory coverage

The first coverage you will need to consider is the mandatory coverage required by the state. Each state has various coverage requirements, so you will want to check with your agent about your state’s requirements. States require you to carry a certain amount of liability coverage, which is coverage that covers liability claims as a result of third party injuries to drivers and pedestrians in the event you cause an accident. Also, this coverage will have a limit for property damage coverage that covers damage to a third parties property. 

Additional required coverage 

Some states will require drivers to carry underinsured/uninsured coverage. Unfortunately, many drivers do not carry insurance even though it is a requirement. In the event you are in an accident with an uninsured motorist, uninsured coverage will cover the accident. 

Optional coverages

Collision coverage is essential coverage in the event you have an expensive car. Collision coverage will pay to repair the damage to your vehicle regardless of who is at fault in the accident. In the event your vehicle is not worth a lot of money, you may want to forgo this coverage. 

Comprehensive coverage is an optional coverage that protects against events outside an accident. Comprehensive coverage covers events such as damage from a storm, theft, and even vandalism. 

If you have a question about your auto insurance policy, reach out to an agent at OFS Insurance Agency, LLC today. We proudly serve the Clinton, MS area.  

 

Reasons You Need Life Insurance Even If You Don’t Think So

Most people in Jackson and Clinton, MS aren’t thinking about life insurance when they are young but it can often be the best time to purchase it. There are many reasons why you may need life insurance, even if you don’t think you do.

  • You Are Having a Baby: If you are having a baby in the next year, now is the time to buy insurance. If this change will mean going from two incomes to one then it’s even more important to set up a financial safety net.
  • You Are Getting Married: This life change can mean someone else is relying on your income.
  • You Are Supporting Aging Parents: The usual rule is that if someone else relies on your income then you need life insurance. This usually means a spouse or children but it can also mean your aging parents.
  • You Have Debt: When you decide how much coverage to get with an agent at OFS Insurance Agency, LLC, consider your total debt amounts. This means that whoever receives the money after your death has enough to pay off outstanding balances. Federal student loans can be forgiven but private loans may not be, especially if there is a co-signer.
  • You Are Self-Employed: Life insurance is important if you are a small business owner. If you set up a buy/sell agreement policy then employees get paid in your absence. You can also use life insurance as collateral when you secure a small business loan.
  • You Have a High-Risk Job: While life insurance companies do consider your occupation, it’s still important to be protected if you have a high-risk job. Jobs in construction, firefighting, natural gas, aviation, oil, and mining are worth having the policy.
  • You Have Extreme Hobbies: If you are a thrill-seeker then you may pay more for life insurance but it’s worth the cost considering the likelihood of injury with some hobbies. Extreme hobbies can include scuba diving or rock climbing.

Contact OFS Insurance Agency, LLC in Clinton, MS to get a quote on life insurance. 

A Simple Guide to Commercial Insurance

When you open your business, insurance might not top your list of things you need to buy, but it should. It protects your investment in your business and its equipment. That equipment includes items like your vehicle, computers, printers, and items specific to your business like dishware for a caterer or photography and developing equipment for a photographer. OFS Insurance Agency, LLC, serving Clinton, MS, can help you determine which insurance policies you need.

Typically, every business needs commercial property, liability, and workers’ compensation insurance policies. Commercial auto insurance also tops the list of needs of most companies.

Many commercial insurance types are available. The type of business you run depends on the insurance you need. This could include:

  • boiler and machinery policies
  • debris removal
  • builder’s risk insurance
  • glass insurance
  • inland marine insurance
  • business interruption insurance
  • ordinance or law insurance
  • tenant’s insurance
  • crime insurance
  • fidelity bonds
  • errors and omissions insurance
  • malpractice insurance
  • automobile insurance
  • directors’ and officers’ liability insurance

As you can see, it takes an insurance professional to know which policies apply to your business’ situation. A shop owner in a neighborhood known for vandalism would need a glass policy, and only someone practicing medicine would require malpractice insurance. If you provide a physical product, you need errors and omissions insurance, while a corporation with a board of directors would require a directors’ and officers’ liability policy.

Let OFS Insurance Agency, LLC, serving Clinton, MS, help you determine which commercial insurance policies you need to protect your business. 

What Is Usually Covered By Home Insurance?

Living in Clinton, MS can be a lot of fun, especially with the ability to enjoy all four seasons. However, if there’s a problem from a storm, a break-in, or something else, you need to know what’s covered by your home insurance policy.

What’s Standard

There are several standard features in a homeowners insurance policy:

  • Damage to the home itself
  • Damage to property inside of the home
  • Liability coverage
  • Additional living expenses coverage

Liability coverage takes care of someone if they get hurt inside of your home. It can also help with coverage if someone from your household damages the property of someone else (such as a kid throwing a ball into a neighbor’s window).

Optional Coverage Items

While the basics are covered by home insurance, it might not be enough based on where you live. You may need to have flood insurance so that you are covered in case of flood waters entering your home. If you have many valuable items that exceed the standard policy coverage, you may want to get a rider that will add more coverage.

By working with an independent insurance agent like OFS Insurance Agency, LLC, you can go over the various scenarios to find out whether you have the coverage that you need or not. Sometimes, adding more coverage can offer a higher level of peace of mind.

Find out more about what you need in your home insurance policy by calling OFS Insurance Agency, LLC today. One of our insurance agents will work with you to find a policy that fits your needs in Clinton, MS.