Tuesday, March 30, 2010

Is in-flight theft, on the rise?

In a tough economy there are more people attempting to steal your high-value personal items. It is easy for criminals to spot items if passengers take things out in the full view of the isle, and then put them away in overhead compartments. Thieves take opportunities during the flight while passengers are sleeping or away from their seats (especially during trans-continental or red-eye flights). Criminals seize opportunities to remove items that they can get quickly, from overhead bins, and then casually disembark the plane with your valuables.

Personal items such as lap tops, electronics, designer bags, expensive jackets, cameras, passports, etc., should be kept at your feet during a flight. If you have items they must put in the overhead compartment, place them in larger locking case or bag. It is important that you have a strategy before air travel to protect yourself from theft. Check your bags before you leave the plane and report missing items immediately. Your chances of recovery are much better than if you report the loss once you have left the plane or the airport.

From an insurance standpoint many of these items may cost enough to matter, let’s say $400.00 to replace. But are less than your deductible on your homeowners or renters policy. As insurance agents we typically hear about these items after the loss, but the best time to think about protecting your personal items is before someone as the chance to steal them from you.

For more information call us at 775-284-8200 or visit us at http://www.ardentinsurance.com.

Saturday, March 20, 2010

Shop for auto insurance 14 days early and save!

Most auto insurance companies we represent offer a discount for people who plan ahead. It's called the advance quote discount and with some companies the discount keeps on giving after the first renewal.

So if you want to save money on your auto insurance call us about 14 days before you need your insurance auto policy to start (effective date). Call Kevin or Tammy at 775-284-8200 fourteen days before you need your auto insurance and start saving today!

Tuesday, March 9, 2010

Do you have people?

In our fast paced world, we sometimes forget the importance of having access to people that work for US. Isn’t it a good feeling to be able to delegate important tasks that we are either too busy to handle, or feel uncomfortable handling to a trusted advisor?

As independent insurance agents, our top priority is to be available to our clients when they need us. The insurance companies we represent are limited as to providing guidance or answering certain questions without taking action. For instance, because of government regulation or other legal requirements, the insurance company may not be able to discuss options pertaining to filing a claim, without actually placing the claim.

When we make a decision to cut “our people”, such as buying insurance on line without an agent, we need to ask ourselves:
1. Does this choice really save me time?
2. Will this action better my situation in the long run?
3. Is eliminating my people (important resources) the best way to proceed?
4. Now that I’m in charge, who will watch my back?

As we get older and wiser, most of us realize that managing both our TIME and our MONEY can be a challenge. Maybe the best option is to meet with your insurance agent to review coverage and devise future strategies for better protecting your risks at the lowest cost to you.

So do yourself a favor and think long and hard before you remove an important local resource from your life. This way the next time you need help or are asking yourself, “Am I covered?,” you can say to yourself, “I have people, they work for me and I can give them a call.”

About Me

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6119 Ridgeview CT #500, Reno, NV 89519, 775-284-8200 or kevin@ardentinsurance.com., United States
http://www.ardentinsurance.com College BS in Business Administration (University of Nevada, Reno) 1987. Independent Farmers Insurance Agent 1987-1997; Part time financial sales positions 1997-1999; Co-founder and President of ClientFlex Corporation 1999-2004; Lucini/Parish Insurance 2004-2005; Co-founded (with Tammy Brunson) Ardent Insurance LLC (2005-2007); Changed entity to Ardent Insurance Inc (2006-present). Insurance Designations: LUTCF. Insurance Affiliations: Big I (Independent Insurance Agents of America); Trusted Choice Approved Agency; Professional Insurance Associates, Inc. (Affiliate); Local Business Associations: Northern Nevada Insurance Agents - Member; Community Associations: Northern Nevada Endurance Training - Active Member.