As A Business, Why Use Social Media?

If you are a business owner you may look at social media and think “What’s the point?”. That’s a valid question.

Ultimately you want potential customers and clients to find your business. That is the goal. Social media channels are avenues to accomplish that. Be it Facebook, Twitter, G+, Instagram, Google Adwords, SnapChat, or some other new site or app, it’s all a funnel.

Users go online and use a search engine such as Google, Bing, Yahoo, or something else to key in search terms for what they are looking for. That search engine then reaches out to its crawlers which scour the internet for relevant matching key terms and feeds back the answers of the top found businesses and websites in order by page.

That is why you will notice if you look for yourself you may be on page 1 of Google (congratulation if that is the case) or you may have to dig 20 pages in if you are a new start-up business (at least online). It takes time to move up in the ranks and gains are not permanent. Think of it as running in a marathon. You and other runners are competing for the same spots in the head of the pack. It’s not a short race. You may pull ahead for a bit only to be passed by another athlete for a time.

Organic vs. Paid Advertising

Organic traffic refers to gains that are made organically/naturally. On page (on your website) SEO (search engine optimization), Regularly posted blogs done in SEO format, relevant content, updated on a continual basis, and an easy to navigate user-friendly site where customers can easily find you, contact you, and buy from you or procure your services.

With organic SEO your results tend to stick, even if you bounce around a little in the rankings.

Paid Advertising such as Google Adwords or buying ad space on another site can be a hit – it can drive traffic and business immediately, it is however costly, and the results and listings are gone the moment you stop paying to place the ads.

Social media can fall into the same two categories because they offer boosting of ads. Consistency is key just as it is with your site. Posting relevant information often lets users know that you are #1 still in business, #2 active in the community, #3 are interested in having them hear from you. Many people use Facebook and Twitter the same way they do Google, to check information on a business. A good solid personalized page can mean more business.

Non boosted ads still reach a good number of visitors, and the boosted paid ads allow you to target directly the area, age group, sex, and interests you believe your customers fall in to. It’s a great way to market directly with minimal effort.

Interested in working with us to achieve the best social media and SEO results possible? Sarah Barendse Creative works in conjunction with Damonaz Design. We would love to chat with you and do a custom quote. Great pricing and amazing results with personalized service. www.damonazdesign.comdz@damonazdesign.com.

239-244-8350.

Originally posted: https://www.damonazdesign.com/2019/02/why-use-social-media-as-a-business-2/

Social Media Isn’t About ROI

Let’s set the record straight. You need social media in this day and age to advertise your business. But, I also need to add that it is not about direct ROI (return on income) its about brand recognition and getting your name out there… Social media helps lend credibility to your company as a viable brand. If you expect to get rich over night only doing social media you are in for a rude awakening. 

Twitter, Facebook, Instagram – they all help your company via visibility. People often check to see if you are present the same way they look you up on Google for reviews and a presence there. They may even go to Facebook for your address or phone number.

All of it is just a piece of a marketing funnel… and you need the entire funnel, not just one piece and certainly not just a short period of time. The world is flooded with businesses just like yours. The idea behind social media is to help yours stand out and express its individuality and confirm why people should trust and go with you when buying or using a service. 

The main complaint we hear from clients is “But we aren’t getting sales directly off of our social media. Maybe we should just stop.” While you are more than welcome to of course, it is a bad idea. Continued presence makes an impression of success. Likes, though fairly meaningless, make the impression that other people like the page and they should too. Success breeds success.

Mixing Social Media, Fresh Original Content on your web site and SEO (search engine optimization) along with some paid marketing efforts is the mix to go for.

Create fresh original content by way of regular well key worded blogs, spicing up on page content to keep the crawlers crawling, and doing great on page SEO targeting the audience you are looking to capture is key. Add to that directed marketing efforts like direct paper mailings and online AdWords ads which push people to your site where your message and products reside – now that is where your ROI comes in. That is where the right combination = money in your bank account.

We all want instant results. While paid ads can deliver that, it is the organic natural formation of SEO strategies that last over time. Blogs get shared, links built, your name pops up more and more. You move up in the ranks of Google, Yahoo, Bing and other search engines.
When the payment on pay per click ads stop – so do the ads and so does the traffic. With organic SEO, even if you stopped all efforts today… results would stay and possibly still keep building over time.

If you want your business to succeed online you have to give it time, effort, consistency, and yes invest some money into it as well. Very few businesses operate solely online. If you operate a service business and expect to sit back and just watch the customers roll in with no effort on your part other than hiring a marketer, you are in for a short rough ride. Nothing beats great word of mouth advertising. Great products, service, and overall attitude of the company will make a company while the opposite surely also holds true.

Interested in learning more about how you can grow your business online? Talk with us here at Sarah Barendse Creative www.sarahbarendse.com or Visit our sister site www.damonazdesign.com 239-244-8350. DZ@damonazdesign.com 

Restless Leg Syndrome – Are you seeing the right doctor?

When most of us hear the word “Restless Leg Syndrome” we think of lying there at night trying to go to sleep with our leg or legs twitching involuntarily. Restless Legs Syndrome (RLS), also known as Willis-Ekbom disease, is believed to affect more than 10 million adults in the United States.While it may be primarily a twitch, it is also often described as an itchy sensation and even feeling like throbbing or bugs crawling on your legs. It makes sleep a near impossibility.

There is no one single test for RLS. General practitioners will usually refer the patient out to a variety of specialists. RLS may stem from a variety of causes including genetic issues and lack of iron. It has also been closely associated with Multiple Sclerosis and Parkinson’s.

The most common referrals made are:

  • Neurologists –Neurologists have special training in treating nervous disorders including peripheral neuropathy and Parkinson’s Disease.
  • Sleep specialists – Lack of sleep can be one of the most troublesome symptoms.
  • Pain specialists – When these sensations are more severe, patients may see a pain specialist in hopes of some assistance alleviating these sensations. This is usually accomplished through medications including: Dopaminergic agents, Benzodiazepines, Opiates, Anticonvulsant, Alpha2 agonists.

The one that is often overlooked and ironically the most likely is sending the RLS patient to consult with a Vein Specialist. Chronic venous insufficiency is often an underlying cause of this disorder. It has been estimated that more than 25% of the population suffers from some level of venous deficiency. Despite this it quite often goes undiagnosed or misdiagnosed as other issues.

Studies show that proper vein treatment can help to relieve symptoms of restless leg syndrome. According to a study in the journal Phlebology, in patients with restless leg syndrome who presented venous insufficiency, 98% of patients found relief from restless legs syndrome symptoms by treating their venous insufficiency, and 80% had long-term lasting relief.

Before medicating a patient for symptoms of RLS – A Vein Specialist should always be consulted in order to rule out venous insufficiency first.

Dr. Magnant is the premier Vein Specialist in South West Florida. If you are experiencing symptoms of RLS or have had a diagnosis of RLS we invite you to give us a call at 239-694-VEIN (8346) or visit our website www.weknowveins.com.

Originally Published: http://www.sarasota-vein-specialists.com/2015/11/restless-leg-syndrome-are-you-seeing-the-right-doctor/

 

Deep Vein Thrombosis (DVT)

Deep Vein Thrombosis is the medical term for a blood clot. This condition can occur when one or more blood clots form within the deep veins of the circulatory system (most commonly in the legs). It can result in swelling, tenderness and pain in the legs but often times presents no noticeable symptoms.

DVT is more likely to develop if you have certain medical conditions which effect blood clotting. It can also take place if you are sedentary for an extended period of time, such as being confined to bed rest, if you are taking hormone therapy or are late term in a pregnancy. DVT risk is also heightened if you are over 60, smoke, are overweight or sit for extended periods of time.

It is a condition that needs to be taken seriously. Blood clots in your veins are unpredictable and can break loose allowing them to travel through your veins and if the clot reaches your lungs can cause a pulmonary embolism. Pulmonary embolisms can be life-threatening, but prompt treatment can greatly reduce the risk of death. The very best treatment is prevention. If you suspect, you may have deep vein issues consult a specialist as soon as possible.

 

What are the signs that you may be experiencing a blood clot or possible serious venous issue?

  • Abnormally warm or red skin on one or both legs
  • Swelling in one or both legs
  • Pain or tenderness in one or both legs (seated, standing or walking)
  • Visible veins
  • Tired legs

 

When to consider going straight to the ER

  • Sudden coughing (especially if you are not otherwise sick) This type of cough may produce blood
  • You experience sharp chest pains
  • Your breathing becomes more rapid and you become short of breath
  • You become severely lightheaded

 

What tests are used to diagnose DVT?

A duplex ultrasound is a painless noninvasive test. The doctor spreads warm gel on your skin and then rubs a wand over the area where the clot is suspected. Ultrasound sends sound waves into your body and relays the echoes to a computer, which shows images of your blood vessels and if there is a clot. Ultrasound is most compatible with medium to surface vein issues.

Another avenue with which to be able to detect clots is called Venography. Venography is a specialized X-ray that is taken along with a radioactive dye injection that is placed into a vein on the top of your foot. This allows the vein to be seen visibly and is very easy to detect a clot. It’s more accurate than an ultrasound.

If it is suspected the clot may be housed within your pelvis or thighs where the body is thicker your doctor may opt to use Magnetic Resonance Imaging (MRI) technology. During an MRI you will lie very still on a narrow table that slides into the imaging tube. Inside of the encasement radio waves and a strong magnetic field create a detailed picture of the inside of your body visible for analysis on the computer screen for the technicians and doctor to go over.

What happens if you are found to have a blood clot?

Tampa Cardiology Associates recommend and perform various procedures for the treatment of DVT:

Thrombectomy/Thrombolysis
Surgical or non-surgical removal of blood clots. The Tampa Cardiology Associates are experienced in non-surgical catheter-based techniques of clot removal from both the legs and the lungs (AngioJet, Catheter directed thrombolytics (clot busting medications) and Angiovac).

 

IVC Filter Placement
An inferior vena cava (IVC) filter is a temporary medical device that is required if  a patient cannot tolerate blood thinners. The IVC filter is implanted to trap blood clots, preventing them from traveling to the lungs where they can become life-threatening.

 

Medication
DVT is often treated with anti-coagulants (blood thinners). These medications help in preventing existing clots from growing larger and any future clots from taking form.

 

Self-Care
Simple actions or lifestyle changes can often make a world of difference in some DVT patients after the initial clot is treated to prevent future clots. Recommended home treatments can include adding in frequent walks daily, elevating the legs, and wearing compression stockings. It is important to note that DVT cannot be cured with at home therapy but lifestyle changes can reduce symptoms and prevent future complications from occurring.

 

Blood clots are not a condition where a wait and see tactic is in the best interest of your health, if you are having any of these symptoms to be evaluated by a doctor as soon as possible. Tampa Cardiovascular Associates invite you to call us at 813-975-2800 or contact us through the web.http://www.tampacardio.com/contact-us/. If it is an emergency, please dial 911 or go to the nearest ER.

Originally Published: http://www.tampacardio.com/2015/11/deep-vein-thrombosis-dvt/

 

Are my auto insurance coverage limits high enough?

The last thing you want to deal with is being involved in an auto accident, at fault or not, and realizing that you have sub-par auto insurance coverage. You are rattled, shaken, possibly injured, your car is likely damaged, you may even have injured someone else and you certainly don’t want to have to deal with the possibility of being sued or having to come out of pocket to rectify the situation.

This never needs to be a concern if you take a proactive approach. Working with a reputable independent insurance representative from Centennial Insurance is the best way to make sure that your coverage fits your life, your needs and your automobile.

What is factored in when considering coverage:

Your income, lifestyle, assets and vehicle are a consideration that many fail to take into account. We all like to save money, especially on monthly bills, but cutting costs by way of your auto policy may not be the smart move.

If you own your home or other property, other vehicles or have substantial savings in the bank unless you are properly insured you may be at risk should an accident occur. The greater the value of your assetsthe more you stand to lose. It’s important to make sure your liability insurance is set high enough.

 

Liability – (Damage done to the other party) is separated into two categories:

Property Damage – The minimum for Florida is $10,000. It is unlikely that is enough to really protect you in an accident. New cars on the road today can range anywhere from $11,000 to upwards of $200,000 for luxury or sport models. That could leave you holding an incredibly expensive repair or replacement bill.

Bodily Injury – The minimum coverage for bodily injury here in Florida is $10,000 per person or $20,000 per accident.  If you injure someone, you could be sued for very high amount.  The amount of Liability coverage you carry should be high enough to protect your assets in the event of an accident. Cheap discount auto insurance almost never pays off in the end. Save now = Pay later.

 

Damage incurred to your vehicle:

Comprehensive – Covers the cost of damages to your car not caused by a collision. The higher the deductible you choose, the lower your monthly premium will be. Comprehensive covers things like fire, theft, hurricane or storm damage.

Collision – Covers the cost of damage to your own car due to an accident. The value is based on the value of your car, truck or motorcycle. Only a deductible need be set. The higher the deductible you choose, the lower the premium will go.

 

Other important coverage:

Uninsured Motorist Coverage – If you have an accident and the other driver is found to be at fault but has no insurance, uninsured motorist coverage covers the space between your costs and the other driver’s coverage, up to the limits set on your coverage.

Personal Injury Protection (“PIP” or “No-fault”) Florida is a no-fault state. PIP covers your medical expenses and those of your passengers, no matter who was responsible.

Medical Expenses – Takes care of the cost of medical care for you and your passengers in the event of an accident.  The limit you choose is the maximum that will be paid for each person.

Having the right insurance levels set can help to set your mind at ease should you be involved in any type of auto accident.

Let Centennial Insurance Help

Centennial Insurance Services is an independent agency which is able to assist with all of your insurance needs be it personal or business. With over 15 years’ experience in the industry they are able to do the leg work for you and eliminate the need for guessing. Give them a call today 239-247-5125 in Fort Myers, FL 904-598-1036 in Jacksonville, FL or visit http://www.cisinsfl.com/ for your free no obligation customized quote.

Originally Published: http://www.cisinsfl.com/2015/11/are-my-auto-insurance-coverage-limits-high-enough/

 

 

Is your birth control or hormone therapy putting you at risk for future vein issues?

Despite the fact that all medications are dispensed with a printed possible side effects list most of us only look at the direct benefit a prescription offers. We visit the doctor for a specific reason and we get almost a type of blinders on where we only are focused on correcting or alleviating the current issue. The medication facts sheets are rarely looked and often tossed in the trash along with the packaging as soon as they are opened.

Birth control methods that contain estrogen increase the risk of blood clots (thrombosis) by changing the body’s balance of clotting factors produced in the liver. These artificial hormonal shifts can contribute to the formation of varicose and or spider veins. These can be not only unsightly, but painful. When they first begin to form you may not see them visually right way.

According to a study done by the Department of Community Medicine and general practice at the Radford Infirmary, Oxford, the association between oral contraceptives and venous issues is strongest with those who also had other risk factors such as genetic predisposition, excess weight, smokers, reduced circulation or high blood pressure. The risks are also limited to those currently using these medications. The risk is unrelated to the duration of use and ceases at the end of use.

If you fit any of the above criteria, you may want to rethink ingesting synthetic hormones.

Naturally occurring estrogen and progesterone have positive effects on the circulatory system. During menopause, these levels drop and fluctuate causing an array of issues from mood swings to hot flashes. Some women choose to be put on HRT (Hormone Replacement Therapy). In the case of menopause, the synthetic hormones may actually lessen the likely hood of venous insufficiency.

*You may not always visually see vein issues at the very start.

Other signs vein issues may be forming:

  • Aching pan that may get worse after extended periods of standing or sitting
  • Heaviness in the legs
  • Swelling
  • Cramping
  • Throbbing
  • Restless Leg Syndrome symptoms
  • Rash or itchiness
  • Excessive clotting during menstruation

The majority of women taking estrogen won’t experience any issues but it always helps to be informed and stay alert when it comes to health.

If you experience any of these symptoms and are on a hormone based birth control or are undergoing hormone replacement therapy, please consult your physician or contact us.

Eveinscreening.com is a fantastic place to start with a FREE Virtual Vein Consultation.

Originally Posted: http://www.sarasota-vein-specialists.com/2015/11/is-your-birth-control-or-hormone-therapy-putting-you-at-risk-for-future-vein-issues/

 

Becoming a Florida Local

Moving from the colder climate states to the tropical weather of Florida is a huge change. Making that switch from tourist to resident takes some adjustment and a bit of time.

Everyone loves Florida in the winter. Its why Florida’s population and traffic increase so drastically come “Season” (mid-October through mid-April). What we here in the sunshine state consider “finally cooling off” most out of state visitors still feel as summer weather. Mid 80’s, sunny, breezy, reduced humidity – let’s face it. We live in paradise.

If you have moved here on a year round basis and you are not a snowbird (part time seasonal resident) there are some definite benefits.

  • You no longer need heavy winter sweaters, jackets or coats – the need for closet space decreases immensely.
  • Your car will never freeze shut again, nor will you ever have to shovel your driveway and you don’t need to change out your tires for snow tires.
  • You don’t have to deal with chapped lips and dry winter skin.
  • Outdoor plans rarely impeded here in Florida due to weather (unless we have a hurricane)
  • Drinking hot beverages becomes a preference not a necessity in an attempt to thaw yourself out.
  • When traveling out of state, be it business or pleasure, it is always nice to return home to the swaying palm trees and blue ocean water. Living in vacation land makes ending an actual vacation far less abrupt.
  • Sunshine on your skin for just 15 minutes a day allows your body to create Vitamin D, boosting your immune system and your overall mood.
  • Fresh fruit is available locally all year long and sea food doesn’t have to travel to get to your dinner table.
  • The beach is there to enjoy every month of the year as well, though you will likely reveal yourself as a new transplant if you do choose to go for a dip in the ocean in January while the rest of us huddle around a fire wearing hoodies on the beach.

The first couple of summers you spend in Florida may feel extra hot.

With daily temperatures in the upper 90’s with high humidity it tends to take people some time to adapt. It’s made easier by the fact that everything down here is air conditioned. Stores, offices, homes, cars – you move from one to the other pretty quickly and unless you so choose, don’t really have to spend that much time out in the heat. I will say though, that once you have been through a few summers, your body temperature seems to regulate. You no longer feel as hot and actually are able to enjoy the beaches and sunshine in the summer months. Along with that comes the added bonus that all of the seasonal visitors have returned home. The roads clear, the once crowded reservation only restaurants are now open and airy and you are easily sat at all times of the day, there are no lines at the grocery store and the welcoming sandy beaches can be nearly empty at times leaving you feeling like you have your own private oasis.

South West Florida is a wonderful place to live. The hustle and bustle of many northern cities doesn’t come into play here. The attitude and atmosphere is friendly and laid back. If you are just joining us, or thinking of joining us – We welcome you.

We know that relocating is a huge undertaking. If you do decide on the Cape Coral, Fort Myers, Bonita, Estero or Sanibel Island areas give Sage Realty a call at 1-800-789-6618 or visit our website www.sagerealtor.com to search current listings. We look forward to working with you!
Originally Published: http://sagerealtor.com/2015/10/03/becoming-a-florida-local/

 

 

 

You’ve Been Hit by an Uninsured Motorist – Now what?

The expectation is, due to legality, that everyone on the road is insured. Unfortunately, that isn’t always the case. Uninsured drivers exist in virtually every state. Though the reasons may vary as to why they choose not to or are unable to purchase insurance, the result is the same. If they are involved in an automobile accident the other party involved has to be able to pick up the slack and cover the damages as well as the liability.

What is uninsured motorist coverage?

Uninsured motorist insurance covers your medical bills and wage loss that starts when the $10,000 PIP (Personal Injury Protection) maxes out and the at-fault driver was carrying no insurance at the time of an accident.

Only a percentage of drivers opt to carry bodily injury coverage. The standard PIP many times does not cover the accumulated medical bills. This creates an issue not only for totally uninsured drivers but also with many underinsured as well.

Drivers without insurance generally are not prime candidates financially to bother filing suit against. Instead you would file a claim against your own auto insurance coverage up to the limit of your uninsured driver policy.

As far as underinsured drivers involved in an accident, they are categorized as such because they have elected coverage that falls short of covering your inflicted damages and or injuries. Uninsured and underinsured driver insurance coverages can only meet and match your own liability coverage, they cannot exceed it.

An option that can help if you have more than one vehicle insured is to “stack” coverage in an amount equal to your bodily injury liability coverage. Stacking coverage increases in amount for each vehicle you have on your policy. This option doesn’t add much cost to your premium and can greatly increase the value of your coverage.

In the new study Uninsured Motorists, 2014 Edition, the IRC (Insurance Research Council) estimates the percentage of uninsured drivers Florida has among the highest estimated uninsured motorists anywhere in the United States. It was estimated for 2014 that Florida had 3.2 million uninsured drivers on the roads (between 15-26%).

According to the Statistic Brain Institute in 2013, the percentage of accidents caused by uninsured motorists was 14% with 40% of uninsured cars being of models 15 years or older. So watch out especially for late model cars on the roads.

The best way to determine the right coverage is to talk to a qualified Insurance agent who can customize a policy quote specific to your needs.

Centennial Insurance Services is an independent agency which is able to assist with all of your insurance needs be it personal or business. With over 15 years’ experience in the industry they are able to do the leg work for you and eliminate the need for guessing. Give them a call today 239-247-5125 in Fort Myers, FL 904-598-1036 in Jacksonville, FL or visit http://www.cisinsfl.com/ for your free no obligation customized quote.

Originally Published:http://www.cisinsfl.com/2015/10/youve-been-hit-by-an-uninsured-motorist-now-what/

 

Aortic Stenosis – Getting to the heart of the matter

Aortic Stenosis is a narrowing of the aortic heart valve opening. The aorta is the main artery in the body and vital in delivering oxygen rich blood to the entire system. The narrowing is usually caused by age related calcification but can also be attributed to birth defects, radiation therapy or a bout with rheumatic fever (scar tissue in the case of rheumatic fever rather than calcification can cause the stiffening). With Aortic Stenosis your heart is forced to work harder and may not be able to pump enough oxygen enriched blood throughout your body.

When calcium builds up on the heart valves or scarring and thickening occurs it reduces their ability to open and close readily. The result is that less oxygenated blood is able to travel to the brain and other organs. It is important to note that this condition does not always present symptoms outwardly.

How to recognize the signs:

You may experience

  • Fatigue
  • Chest pain
  • Shortness of breath
  • Dizziness
  • Fainting
  • Having a more difficult time than usual exercising
  • Heart palpitations
  • Cough without being sick
  • Decreased urination

You are at a higher risk if you smoke, have high blood pressure, have consistently high cholesterol levels, and are 65 or over or have a family history of heart disease. Men are more likely to develop aortic stenosis than women.

If aortic stenosis is left untreated, complications generally will occur over time.

• Left ventricular hypertrophy (enlargement of the heart muscle) caused because the heart pumps blood through a narrow valve

• angina pectoris (chest pain) which generally worsens with physical exercise

• heart failure

• sudden death due to arrhythmias (irregular heart beat)

• endocarditis (infection of the innermost layer of the heart valve)

Valve replacement is the recommended option.

This can be achieved by minimally invasive techniques or as an open heart surgery. The minimally invasive technique (Trans-femoral aortic valve replacement TAVR) is performed through a needle stick in the femoral artery which is in the upper thigh area. The valve is delivered via small plastic tubes called catheters and deployed in position. All this while under anesthesia and being continuously monitored. Surgically, the surgeon must make an incision in the center of the chest through the breastbone. The chest is then opened to expose the heart. The surgeon then opens the pericardium (lining that protects the heart). The damaged valve is then removed. As the final step the prosthetic replacement valve is inserted and sewn into the heart. This valve is made from either human or pig skin donor skin.

The American Board of Internal Medicine and Cardiovascular Disease conducted a study of 7584 patients who underwent aortic valve replacement surgery, including 815 over the age of 80. They found that short and long-term survival was favorable across all age groups. Specifically, more than half of the patients undergoing aortic valve procedures were alive 6 years after surgery. Without valve replacement, those diagnosed with this condition have a 50% chance of living only another 2 years.

It is important in order to achieve the best possible outcome, if you are having any of these symptoms to be evaluated by a doctor as soon as possible.

Tampa Cardiovascular Associates invite you to call us at 813-975-2800 or contact us through the web.http://www.tampacardio.com/contact-us/

Originally Published: http://www.tampacardio.com/2015/10/aortic-stenosis-getting-heart-matter/

 

CYA! Cover Your Assets

In today’s world proactive protection of assets is more vital than ever before. You have worked hard to get where you are in life. Don’t let an accident or an incident that is out of your control damage that standing. Taking control by protecting your belongings gives you peace of mind and security.

With the help of a knowledgeable insurance broker you can easily avoid the top 5 mistakes most people make when buying insurance.

#1 Setting your deductible

Often times people will set the deductible low because they feel like if they were to have an accident, they would not want to have to come out of pocket at that time all at once for a large sum of cash. While this makes sense, try thinking of it a slightly different way.

Bumping up your deductible may save you up to 40% on your premium in some cases. As an alternative, take that savings and start or add it to your emergency fund. That way you are saving money on account and if you do need it for an accident, it is still there, and if you don’t it is added to your slush fund.

#2 Check out the company background before buying

A good deal isn’t always a good deal. Before you commit to an insurance policy check the company’s ratings and complaints. When you do need your insurance it will always be in times of stress and you certainly do not need a hassle from the very people who are supposed to be there to protect you. They can be researched by visiting the National Association of Insurance Commissioners’ Consumer Information Source (https://eapps.naic.org/cis/).

#3 Only insuring your home for the market value

The market value and the insurance value are not the same. You need enough insurance to pay to rebuild your home if it is destroyed, not just what the current fluctuating market allows for a possible sale.  A great way to check and see if you are on target for asset protection is to check the rebuilding cost calculator on www.accucoverage.com.

#4 Failing to understand your policy’s exclusions

No insurance policy is one size fits all. Every home insurance or business insurance policy comes with exclusions, and it’s important that you read and understand them. A prime example is to check to be sure you do not need special riders for earthquake or flood damage. Going over your policies with a reputable agent can save you time, money and aggravation in the long run.

#5 Remember to update your policies

Life happens and change is the only constant.
Make sure that your insurance policies shift with you.

Additions, renovations or even adding a pool are possible policy changes that need to be addressed. Saving a few dollars by not adjusting your premium could end up coming back to bite you in the long run. A prime example would be adding a new dog to your family. Consider: 4.5 million people are bitten by dogs each year. 885,000 of those have required medical attention. According to the Insurance Information Institute the average cost was $32,000 in 2014. Having to pay that out of pocket could put a major dent in your savings account.

How Centennial Insurance Services can help

Centennial Insurance Services is an independent agency which is able to assist with all of your insurance needs be it personal or business. With over 15 years’ experience in the industry they are able to do the leg work for you and eliminate the need for guessing. Give them a call today 239-247-5125 in Fort Myers, FL 904-598-1036 in Jacksonville, FL or visit http://www.cisinsfl.com/ for your free no obligation customized quote

 

Originally Published: http://www.cisinsfl.com/2015/10/cya-cover-your-assets/