Home Insurance: Never Leave Home Without It

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There are many reasons why people love their homes. In most cases, it has much less to do with the house itself than with the time, memories, and even that little piece of the world that we can call our own, making the place we call home so special. These are also only a few reasons why people go to such lengths to protect their little corner of the world and turn to professional and experienced agents like the Foresee General Insurance Agency Inc. team for all their home insurance questions and needs.

Home Insurance: Never Leave Home Without It

As a homeowner, many concerns come with the benefits of owning a home, including issues like fires, flooding, theft, and even liability claims, among others. For example, even storm damage can cause considerably expensive repairs to fix your home’s roof, siding, or gutters. Fortunately, home or away, home insurance can help protect you and your home. That is also why it is important to work with an experienced and professional agent who can help you get the protection and coverage your home needs.

Home Insurance for Harrison, AR Area Homeowners

Are you a homeowner in or around the greater Harrison, AR area? Do you have questions about home insurance or need coverage for your new home? At the Foresee General Insurance Agency Inc., we are here to help with all your questions and concerns, and most of all, for your home’s protection. Contact us to find out more and schedule an appointment today for the home insurance solutions you need and deserve at the Foresee General Insurance Agency.

Winter Safe Driving Tips

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Safe Winter Driving Tips and the Importance of Auto Insurance

Winter is coming. While the cold weather is inevitable (unless you relocate to warmer climates), there are steps you can take to reduce the risk associated with winter driving. We’ll cover some safe winter driving tips below. One tip to note upfront: ensuring that you have the right auto insurance policy to protect yourself and your vehicle is crucial. If you’re looking for insurance agents serving Harrison, AR, consider reaching out to Foresee General Insurance Agency Inc.

Essential Winter Driving Tips

Firstly, it’s crucial to check the weather before hitting the road. If a blizzard is forecasted or authorities are warning of icy conditions, you’ll want to prepare yourself before even getting in your car. When ice and snow pose a significant threat, driving slower and more defensively is wise.

Additionally, before setting off, ensure you clear snow and ice from the windows. Simply creating a small see-through area isn’t sufficient. You should remove all the snow and ice, including from the rear windshield.

It’s also advisable to ensure that your phone is charged and keep a phone charger in your vehicle. In case of an emergency, you’ll want to be able to contact authorities immediately. Especially in winter, time is often of the essence.

Keeping a blanket and heavy jacket in your vehicle is a smart move. If you are stuck in a storm or stranded, the right emergency gear could prove crucial. It’s also important to ensure that your car is covered by a robust insurance policy that will protect you should problems arise this winter. If you’re looking for an insurance agency serving Harrison, AR, contact Foresee General Insurance Agency Inc. right away.

Commercial Insurance Solutions for Every Type of Business

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The Role of Commercial Insurance in Business Risk Management

As a business owner, you are required to juggle various roles and shoulder multiple responsibilities. The smaller the business, the more roles, responsibilities, and decisions fall upon the owner. This is why so many businesses from the Harrison, AR, area turn to Foresee General Insurance Agency Inc. for their commercial insurance needs.

Customized Commercial Insurance Solutions for All Businesses

Every business, irrespective of the industry and size, faces various risks. Commercial insurance is a lifesaver, whether it is a construction business facing apparent hazards or a small storefront operation with fewer obvious risks. Collaborating with professional and experienced agents can aid business owners in securing the proper coverage. Every business type is unique in its operations and risks; hence, it requires a unique commercial insurance plan. At Foresee General Insurance, we are committed to helping you get the protection you need and the right plan for your business.

Securing Businesses in Harrison, AR with Comprehensive Insurance Solutions

Suppose you are a business owner in or around the Harrison, AR area and looking for guidance on your commercial insurance needs. In that case, our dedicated team at Foresee General Insurance Agency Inc. welcomes you. Contact us for more information and schedule an appointment today for the peace of mind, coverage, and protection your business needs and deserves at Foresee General Insurance Inc.

Three Types of Coverage in Your Home Insurance Policy

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As a homeowner, you’re most likely aware of the necessity for home insurance. It might be required by your lender, Homeowners Association (HOA), or property covenants. Even if it’s not mandatory, protecting yourself with suitable coverage is crucial. Home insurance policies provide various types of coverage. If you’re interested in starting a home insurance policy in Harrison, AR, feel free to contact our team at Foresee General Insurance Agency Inc.

House Coverage

This type of coverage pays for damage caused to the dwelling in the event of a covered incident. A multitude of events, including accidents and disasters, can cause significant damage to a home. If such a situation arises, you’ll want your home insurance in place to cover the repair costs. This coverage can make the difference between restoring your home to a livable condition and being left with a hefty repair bill.

Item Coverage

Your home’s items are valuable, and replacing them can be quite costly. Consider how much it would cost to replace the items in just one room area, and it’s clear how much it can add up if one or more rooms suffer major damage. With home insurance, you can get your items replaced.

Liability Coverage

This type of coverage shields you if someone sustains an injury while on your property. You could be held liable for damages and associated costs when this happens. Liability coverage pays for the injured party’s medical costs and other related expenses.

Get Your Home Insurance Today

If you need a home insurance policy, contact Foresee General Insurance Agency Inc. in Harrison, AR. We’re here to help you safeguard your home and valuables.

Should a Couple Combine Auto Coverage When They Marry?

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At Foresee General Insurance Agency Inc., we extend our best wishes to all happy couples embarking on marital bliss in Harrison, AR. Many couples combine their auto insurance upon marriage as it often decreases premiums. However, things don’t always go as planned.

When Couples Should Combine Auto Insurance

If both spouses have good driving records, their premiums are generally quite affordable. Marriage reduces perceived risk for insurance underwriters because statistics show that married people tend to drive safer than single. As a result, auto insurance premiums typically lower further when couples combine policies.

When to Keep Your Auto Insurance Separate

Combining auto insurance isn’t always a good idea, as exemplified by the TV show The Closer, which features Brenda and Fritz. On the show, Fritz gets pulled over for drunk driving while single, which can increase insurance rates due to the loss of DUI/DWI points. When Brenda inquires about joint insurance premiums, she finds them more expensive than her current plan.

The TV show illustrates real insurance industry realities: Marriage may not decrease premiums if either spouse has a poor driving record. It’s best to glean lessons from these fictional scenarios to prevent real-life insurance issues.

How to Approach Insurance and Marriage

Before tying the knot, have an open conversation about each spouse’s financial history and future goals. Know that building a plan based on honesty sets you on the right track. If you’ve been found negligent in an accident, received a DUI/DWI, or have a poor driving history for any other reason, inform your future spouse.

Contact Foresee General Insurance Agency Today

Once you’ve decided on your auto insurance approach, reach out to Foresee General Insurance Agency Inc. We serve Harrison, AR residents by providing them with the necessary insurance. Give us a call today.

Umbrella Insurance FAQs

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Have you heard of umbrella insurance? Do you have questions about it? We offer umbrella insurance at Foresee General Insurance Agency Inc. in Harrison, AR. Today, we are here to answer your questions. 

What Does Umbrella Insurance Cover?

Umbrella insurance covers personal liability that exceeds the limits of your home and auto policy coverage limits. For example, if you are responsible for a million-dollar auto accident, your auto policy may cover $250,000 or $500,000. The umbrella policy would cover the rest. 

It also covers things that aren’t covered by your standard policies. These include slander, libel, wrongful eviction, wrongful entry, and invasion of privacy. 

What are the Coverage Limits for an Umbrella Policy?

Umbrella coverage is typically sold in increments of $1 million up to $5 million. Some policies may go up to $10 or $20 million. 

Is My Family Covered as Well? 

Umbrella policies typically offer coverage for household members, including spouses and children. However, the coverage provided may vary depending on the policy. 

Do I Need Umbrella Insurance? 

Today, everyone should consider umbrella insurance. If you are responsible for an accident that causes major damage to someone’s property or serious injury, you may be faced with an expensive liability claim. A personal umbrella policy will give you peace of mind and protect your financial security. 

How Much Umbrella Insurance Do I Need? 

Generally, you should have umbrella coverage equal to or greater than your assets. If you have $1 million or less in assets, you should have a $1 million umbrella policy. If your assets are greater than $1 million, consider more coverage. 

Umbrella Insurance at Foresee General Insurance Agency Inc.

If you need umbrella insurance in Harrison, AR, contact Foresee General Insurance Agency Inc. Our agents are here to discuss your needs and help you select the best policy. 

Three Reasons to Get Flood Insurance

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When you’re buying a home, one of the things that you must consider is whether to get insurance. If you live in an area that’s at risk of flooding, you’ll have to decide whether to get flood insurance.

At Foresee General Insurance Agency Inc., servicing Harrison, AR, we help homeowners and home buyers find flood insurance for their needs. Below are three reasons you may want flood insurance for your home. 

1. Standard Home Insurance Doesn’t Cover Floods

Home insurance covers a variety of perils, including fire, vandalism, lightning strikes, and wind damage. However, standard home insurance policies don’t cover damage from flood. If you don’t have flood insurance and your home is damaged by flood water, you’ll have to pay for your repairs out of pocket. 

2. Flood Recovery Is Expensive

Flood recovery can be extensive and expensive. When water seeps into a home, it has very little time to dry out before it can grow mold. In addition, flood water is toxic and can cause extensive damage even after dries. In other words, many things that are touched by floodwaters are ruined by them, and that means making repairs and replacements can be costly. 

3. Your Lender May require Flood Insurance

If you’re getting a mortgage for a home in a Special Flood Hazard Area, your lender will most likely require you to get flood insurance to protect your investment. This protects the bank and the buyer since it helps ensure that if the home is damaged in the flood, repairing it is more affordable. 

Do you think you need flood insurance? Contact Foresee General Insurance Agency Inc., servicing Harrison, AR, to get started. 

Condo Insurance Coverage Add-Ons You May Need

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Condo insurance add-ons are enhancements that may fill in potential gaps. Review the add-ons below. These are just some coverage types you may benefit from purchasing.

Land and Shrub

If you are responsible for landscaping your property, the landscaping materials you purchase can be added to your condo insurance policy. For instance, the coverage would protect the plants from damage or theft if you own shrubs.

Medical Expenses

Medical expenses covered through an add-on product will prevent you from being liable for injuries at your condo. This add-on will pay for the medical products or services you need while residing in your condo.

Utilities

If you are responsible for installing and maintaining utilities, an add-on that protects them will cover the cost of repairing or replacing the original materials.

Limited Replacement Cost

A limited replacement cost add-on will protect your investments. This type of coverage will ensure that your possessions do not depreciate in value.

Instead, you will receive the fair market value of any possessions that are damaged or stolen from your condo. If you own a lot of valuables, you may benefit significantly by purchasing a limited replacement cost policy.

Refrigerated Products

An add-on that covers refrigerated products will protect against loss that occurs if you can’t keep perishables refrigerated. If you cannot refrigerate your food, the food that was originally in the refrigerator will be covered by your condo insurance add-on.

Contact Foresee General Insurance Agency Inc.

Contact one of our Foresee General Insurance Agency Inc. agents. An agent who serves the Harrison, AR region will tell you about condo insurance policies and add-ons that you qualify for.

Life Insurance. How Much is Enough?

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If you are considering life insurance, now is a great time. Rates generally increase with age and deteriorating health. At Foresee General Insurance Agency Inc., we serve the Harrison, AR, area with various life insurance products to help you achieve your goals.

But when it comes to life insurance, how much is enough?

What Are Your Responsibilities?

The greater your financial responsibilities, the greater the need for life insurance. Do you have a mortgage, car payments, credit card debts, and personal loans? Do you have a business? Do you want your family to maintain its lifestyle and provide for a college education?

As you can see, the amount of life insurance you need can add up quickly. This doesn’t even include final expenses, which can easily exceed $10,000.

Do You Have Significant Assets?

Owning significant assets, having a large investment portfolio, and having savings can reduce the need for life insurance. However, keep in mind that you may want these assets passed on to your children and loved ones.

What Can You Affordable?

Of course, it will still likely come down to how much life insurance you can afford. This is where our team can help.

Contact Us for a Quote Today

We invite you to contact us at Foresee General Life Insurance Agency to discuss your needs, goals, and life insurance options. We can quote a variety of plans to best suit your budget. Even if you may not be able to get everything you want, you can start building your insurance program today. Contact us at Foresee General Insurance Agency Inc. of Harrison, AR, and get started today.

The History of Auto Insurance

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A Glimpse into the History of Auto Insurance

Given that cars are a relatively recent phenomenon, auto insurance is a comparably modern convention. Nonetheless, the concept of insurance bears a much longer history. In this piece, we will journey through the evolution of insurance, with a special focus on auto insurance. If you have inquiries about coverage or policy choices for auto insurance, feel free to contact Foresee General Insurance Agency Inc., which proudly serves Harrison, AR.

The Evolution of Insurance Through Ages

Insurance, in elemental forms, has been in existence for millennia. Going as far back as 1750 BC, there are mentions of insurance for sea shipping in the Code of Hammurabi. During the medieval era, trade guilds occasionally offered compensation if a member’s forge or other properties were destroyed by fire. With the increased global shipping in the 17th and 18th centuries, shipping insurance saw a boom. Subsequently, Ben Franklin started a fire insurance scheme in Philadelphia in 1751.

Moving forward, auto insurance came onto the scene comparatively later. The first automobile invention dates back to 1886, and by the turn of the 19th century, cars were becoming considerably common in some regions. The first auto insurance policy is believed to have been procured by Gilbert J. Loomis in 1897 in Ohio.

In 1925, Massachusetts took the lead as the first state to make auto insurance mandatory. New York followed suit in 1956, North Carolina in 1957, and by 1970, car insurance policies were required in most states. However, coverage mandates vary from state to state, so consulting with an insurance agent is advisable.

If you or your loved ones need guidance in selecting an auto insurance policy, reach out to the Foresee General Insurance Agency Inc., serving Harrison, AR, for assistance.