Benefits To Think About With Life Insurance in Arizona

In life, there are many things that we can control and somethings that we cannot. While it would be amazing to live forever, unfortunately, that is not a wish that can be granted. It is vital to make sure that before we pass away, we do our absolute best to alleviate as much stress from our family and loved ones as we can. This is why life insurance is so important to focus on sooner than later. 

Foresee General Insurance Agency, Inc. is based in Harrison, AR, and has served the local community for many years providing many types of the necessary insurance to the residents. It is important to make sure that the community and their families are taken care of in every way possible legally just in case an unfortunate situation occurs and help is needed. 

Focusing on life insurance is imperative as it makes sure to help your family cover certain expenses after you pass away. While they are grieving, with life insurance, your family will be able to have some relief when it comes to how the funeral costs will be covered. Expenses that are necessary to preserve anything that they believe is important to remember you by, monthly bills such as rent/mortgage and taking care of kids can be handled easier when investing in life insurance sooner than later. 

Would you like to speak to one of our agents about your life insurance options today? To reach us by phone in our office you can call us during business hours at (870) 391-3723. Our agents at Foresee General Insurance Agency, Inc. are ready to work with you to find a policy that meets your needs in the Harrison, AR area.

What Kind of Auto Coverage Does Your Teen Need?

Teen drivers are at higher risk of causing accidents due to a lack of driving experience. For this reason, your teen should have excellent insurance coverage to protect him or her on the road. At Foresee General Insurance Agency, Inc. in Harrison, AR, we can help you choose the type of insurance coverage your teen needs.

Coverage Options

Basic auto insurance policies offer numerous coverage options to protect your teen, others, and your teen’s vehicle in the event of an accident. These include:

  • Liability
  • Collision
  • Comprehensive
  • Uninsured Motorist
  • Roadside Assist

Mandatory Coverage

Minimum liability insurance is a requirement in Arizona for all drivers. Liability protects others by paying their medical or property damage expenses in accidents that are your fault. As teens are more prone to causing accidents due to their immaturity and lack of driving experience, it’s best your teen has more than minimum liability coverage to protect them against major accidents they may cause.  

Optional Coverage

Collision, comprehensive, uninsured motorists, and roadside assistance are optional coverage that offers valuable protection for teen drivers.

Collision coverage pays for damages to your teen’s (or your family’s) vehicle if your teen crashes into another vehicle or swerves into a tree, fence, or wall. If your teen drives the family car, collision coverage is a must. 

Comprehensive covers vehicle theft and damages caused by non-collision incidents like falling objects, hailstorms, or vandalism. Uninsured motorist covers damage to your teen’s vehicle if an uninsured or underinsured driver hits them. If your teen has a breakdown while driving, roadside assistance will cover his towing costs, so he’s not left stranded on the side of the road.

The right insurance coverage will give you peace of mind that your teen is well protected on the road. For help in selecting auto insurance for your teen driver, contact Foresee General Insurance Agency, Harrison, AR.

Guide to Commercial Insurance in Arkansas

Before we learn how to get commercial insurance in Arkansas, it is vital to establish why commercial insurance is important. To begin with, commercial insurance keeps the business running in case of any unforeseen situations, such as a natural disaster or accident. The insurance policy keeps the company afloat in many ways, such as providing coverage for expenses or protection for a portion of lost income. In most cases, commercial insurance should be able to assist in such circumstances. Some banks that are lending funds require companies to have commercial insurance. These loans are crucial to keep the company going, so all requirements to secure these loans must be completed.

There are typically three types of commercial insurance: liability insurance, property insurance, and workers’ compensation insurance. Liability insurance covers damages or injury to third party claims on behalf of the insurance policyholder. Property insurance is designed to provide coverage from flooding or fire as compensation damages caused by such events. Workers’ compensation insurance is made to protect the business in a situation where an employee gets injured at work. Many other types of commercial insurance are specific to company types.

In order to get a commercial insurance policy, it is recommended you get in touch with a local insurance agency that can understand all the requirements and scope of your business. It is imperative you get your commercial insurance policy from a registered insurance agency in the state of Arkansas. At Foresee General Insurance Agency, Inc., customer service is the top priority. Our agents at Foresee General Insurance Agency, Inc. in Harrison, AR can assist you in getting the commercial insurance that is suited to your needs, goal, and preferences. You can visit our office in Harrison, AR, or give us a call for more information.

The Value of Home Insurance

A home is a financial investment that needs the right coverage to protect it. When homeowner’s think of home insurance protection, if there is a fire or severe weather, damage may be the first thing that springs to mind. Home insurance policies do so much more, though. In the Harrison, AR area, the agents at Foresee General Insurance Agency, Inc. work with homeowners to get the right home insurance policy for their situation. Our agency is happy to serve homeowners throughout Arkansas, Missouri, and Kansas.

Your home insurance provides you with a wealth of protection. Yes, it can help your family recover faster following a fire or severe weather. It will also cover the contents of your home, such as personal items and furniture. It also protects things when you’re away from home. A laptop that is stolen when you’re working at a café will be covered, for instance. It also provides liability coverage should someone be injured on the property. If you are found negligent, and they sue, it covers legal expenses. Structures on the property, such as outbuildings or fences, are included as well. 

Home insurance policies provide a lot of protection, but you should understand what they don’t cover. They don’t include flooding events or damage from heavy rains. A separate policy is needed for that type of protection. However, flooding from a broken water heater will be covered.

At Foresee General Insurance Agency, Inc. in the Harrison, AR area, our agents work with homeowners to get the coverage they need. We can discuss various policies and help you decide the amount of coverage that you need. If you are in a flood-prone area, we can also help with flood insurance. Your home is a haven for you and your family. It’s also a significant investment. Visit our office or call and get the protection that you need today!

What Kind of Auto Coverage Do You Really Need?

Purchasing auto insurance can be a challenge, especially for new drivers. The first step to selecting a policy is determining what kind of coverage you need. At Foresee General Insurance Agency, Inc. in Harrison, AR, we offer a variety of coverage options to meet your needs. Here’s what you should know about auto insurance options in Arkansas.

Required Auto Insurance Coverage in Arkansas

Arkansas requires that drivers carry minimum liability coverage to pay for injuries and property damage to others in accidents they cause. Minimum coverage, however, is just a start. To protect your assets against serious accidents, you’ll need more than the minimum liability coverage. Otherwise, you could wind up paying thousands of dollars’ worth of damage out-of-pocket.

Optional Auto Coverage

If you own a costly vehicle, you’ll also want insurance protection for your investment so you don’t have to pay for damages on your own.

  • Collision and comprehensive are optional insurance that covers your vehicle in an accident. Collision insurance covers repairs to your car if you crash into another vehicle or object (other than animals). Comprehensive insurance protects you against theft, animal strikes and damage caused by inclement weather (wind, hail, snowstorm, etc.).
  • Uninsured/underinsured motorist coverage helps pay for damage to your vehicle if you’re hit by another driver who has little or no insurance coverage.
  • If you’re into road trips, you may want roadside assist coverage to pay for towing and minor repairs in case your car breaks down in the middle of nowhere.

When selecting auto insurance coverage, consider the value of your vehicle, your lifestyle, and your driving habits and choose the coverage that provides the best protection for you. To learn more about your auto insurance options and costs in Harrison, AR, contact Foresee General Insurance Agency, Inc.    

4 Main Types of Commercial Insurance Bonds and What They Mean

If you have your own business or are about to start one, it would be in your best interest to learn about the different types of commercial insurance bonds that are out there. Though only 4 are addressed here, there are several others you should research when it comes to your business ventures. An insurance company like Foresee General Insurance Agency, Inc. in Harrison, AR can help with this process

Permit and License Bonds

A surety bond that’s required based on regulations or laws in each state is a permit and/or license bond. This is not something that the owner of a business can choose. They are in place in order to engage in and perform specific activities.

Contract Bonds

Contract bonds usually are a part of the construction industry. There are a few subcategories of this type of bond. Bid bonds are in place to ensure the bidding process when it comes to respecting requirements that are stated in the contract. It helps to avoid any frivolous bids. Performance bonds are for insurance companies or banks to guarantee that a project is completed. There also are maintenance and payment bonds under this category.

Business Service Bonds

These bonds protect clients from becoming a victim of theft. They often are chosen by businesses or individuals that use services in which they have to enter private property for performing duties such as medical care or cleaning. It ensures that the client will get financial compensation if any of their property goes missing after the services are performed. Of course, it’s necessary to show in a court of law evidence that something has been stolen.

Miscellaneous Bonds

These bonds don’t really fall into any other category. They are random in their use and have various purposes. This includes ensuring leases and guaranteeing a monthly payment like utility bills. They especially are useful when it comes to businesses that have special needs.

Want to know more about commercial surety bonds and which ones may be right for you? Discuss your needs with an agent from Foresee General Insurance Agency, Inc. in Harrison, AR today and you won’t regret it.



What Will Home Insurance Cover after a Disaster?

What your home insurance covers after a disaster will depend on what occurred and your policy terms.

What Does It Cover?

Hazard insurance on a standard policy will cover many different natural disasters, such as fire, lightning, and wind. If you aren’t sure which natural disasters are covered under your specific policy, speak with an agent at Foresee General Insurance Agency, Inc. in Harrison, AR.

  • Lightning: If lightning strikes a tree and causes it to fall over and damage your home, then the dwelling coverage will pay to repair the damage. If your belongings are damaged by a peril such as lightning, then the personal property insurance will kick in to cover those items.
  • Fires: Whether it’s an accidental blaze, a fire caused by a vandal, or a wildfire, it can be covered under home insurance. Both dwelling coverage and personal property coverage can be used to pay for damages.
  • Tornados or Hail: These natural disasters will often be covered under a standard policy. If you need to relocate while your home is being repaired as a result of these disasters, then additional living expenses coverage can kick in.

What Does It Not Cover?

Even though home insurance will cover quite a few disasters, there are some instances when your policy won’t cover any damage. Damage caused by earth movements, such as landslides, mudslides, sinkholes, and earthquakes, isn’t covered. Damage from floods also will not be covered. There can also be exclusions for other water damage and mold that comes from a sewer backup. If you live in an area where flooding is common, then you want to get a separate quote for flood insurance. Maintenance damage, such as pest infestations, are not covered either.

Contact Foresee General Insurance Agency, Inc. in Harrison, AR to get a quote on home insurance.