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R&R Insurance Blog

Tammy Cross

Recent Posts

Small Tips to Prevent Large Claims: Dryer Sheets for Winterizing Vehicles

Posted by Tammy Cross

Small Tips to Prevent Large Claims: Dryer Sheets for Winterizing Vehicles

iStock-541268154With Labor Day behind us and cooler temps in the future, it's time to think about storing those summer toys. From convertibles and boats, to motorcycles and jet-skis, unfortunately certain vehicles just aren't suited for Wisconsin winters. Below is a small tip for winterizing your car that can save you from a big claim next summer.

Believe it or not, dryer sheets and/or moth balls can prevent major rodent damage in your vacant vehicle. A garage will keep your car dry and relatively warm, but will also make your car attractive to rodents. By placing dryer sheets inside the vehicle and engine compartment, you'll combat any rodents that plan to chew their way through wires to make a new home.

REMINDER: It's important to make note of the dryer sheets prior to driving your vehicle! Hang a reminder on your rear-view mirror or on the dashboard so you don't forget!

Topics: Personal Insurance

Featured Client | Overlooked Coverage Provided for Secondary Home

Posted by Tammy Cross

To illustrate the benefits of rebalancing an insurance program to strengthen wealth protection and better manage expenses, the following example presents a before-and-after comparison for one of our newest valued clients.

lake-homeJeff and Tracy recently purchased a secondary home in beautiful Door County, Wisconsin. While they look forward to spending summers on the lake, they have realistic expectations about the amount of time they'll be able to spend in their new vacation home. With this in mind, they intend to rent out the property approximately 5 weeks out of the year. Unfortunately, in the world of home insurance, most carriers will not insure a secondary / seasonal property that is rented on a short term or weekly basis.

With the help of Tammy Cross, Jeff and Tracy were given a policy which provided full coverage of the home, including theft of personal property while rented. Without the experience and insight of Tammy, this commonly overlooked coverage would have been missed.

Click here for additional coverage information when renting your home. Or contact a Private Client Knowledge Broker!

Find a Private Client Knowledge Broker

 

*Client names have been changed to maintain anonymity.

Topics: Featured Client, Private Client Group

Featured Client | Relationship With Financial Planner Leads to Significant Improvements in Coverage

Posted by Tammy Cross

To illustrate the benefits of working with one of the largest independent agencies in the Midwest, the following example presents a recent claim situation for one of our newest valued clients.

young-professionals(small)-1.jpgSteve is a middle-aged profesional with a beautiful home that he’s proudly invested money into to finish the basement, add a mother-in-law suite, fence the yard, and add additional sump pumps. He and his wife of 15 years also own a boat, 2 cars, and a few pieces of valuable jewelry.

Steve has worked with the same insurance company for years – and had what he thought to be decent coverage for his lifestyle. After meeting with his Financial Planner one afternoon, it was brought to Steve’s attention that he should consider getting a second look at his home and auto coverage. In fact, the Financial Planner recommended he reach out to an independent insurance agency (much different than who he was currently working with) for an ‘apples to apples’ quote as well as recommendations on new options to consider.

After a quick phone call with Tammy Cross at R&R Insurance, Steve knew he was in good hands.

Savings Opportunities:

  • Reduced Home Deductible to $1,000 (was $7,000)
  • Eliminated Duplicate Boat Liability Coverage
  • Premium Savings of over $428 - on top of additional coverage endorsements

Program Improvements:

  • Current policy was considerably underinsuring home
  • Single deductible, in the event a claim involves both home and auto(s)
  • Addition of sewer back-up and ID theft coverage
  • Correction of scheduled jewelry and addition of blanket on smaller items
  • $1 million umbrella policy

Find a Private Client Knowledge Broker

 

*Client names have been changed to maintain anonymity.

Topics: Featured Client, Private Client Group