Special Retirement Announcement from Heuer Insurance!

Happy New Year from your friends at Heuer Insurance Agency!  This time of year is always exciting, often with new beginnings, like the welcoming of our newest grandchild, Marshall Curtis Heuer, and floods of memories from the past.

At this year end, I would like to announce what might be the most exciting news I have ever brought you, the readers of my blogs. After 43 years of working, owning, and running Heuer Insurance Agency, I am pleased to announce that my wife Starla and I have made the decision to retire!  We have been thinking about this change in our lives for several years, and the time is perfect!   We have sold the agency to our Son, Adam Heuer, who is currently the Vice President of the Agency.    Adam has done a remarkable job in understanding the ins and out of running an independent insurance agency.  The good news for our clients, is that due to the internal nature of this sale, ALL CURRENT STAFF MEMBERS will remain on staff!  Adam has been here for 13 years now, and has a firm grasp of the day to day dealings with staff, customers and our Insurance Company partners.  We are confident Adam will continue the Heuer tradition of professionalism while dealing in a very difficult insurance industry. During a staff meeting last week, Adam was  formally promoted to the Presidential position of Heuer Insurance Agency and will begin that role starting January 2017.  It’s important to note the gavel  used in the ceremony was a gavel from Adam’s GREAT Grandfather, Clarence Heuer.    The gavel was used when Clarence served as the National Director of the Independent Insurance Agents of America, during the 50’s.  Therefore,  it was quite an auspicious occasion and Starla and I couldn’t be happier or prouder of Adam!   Below is a picture of Clarence hard at work back in the 1930’s.

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My wife Starla and I are excited to spend more time with our family, fishing, an incredible amount, golfing , making not one, but TWO hole in ones each,  and camping at Tahoe Timber Trails outside of Truckee, California.  With the addition of Adam’s first child, Marshall Curtis Heuer, we will have 6 grandkids, all living within a mile from us, so you know how much we will enjoy all that special time. THANK YOU one and all, for the many, many years of friendship, good business and loyalty, as well as all the fun times had during those 43 years.  I would like to point out a fun fact, I still have the very first client I ever sold a policy to 43 years ago, Dick and Jan Boykin of Boykin Electronics of Reno Nevada.  Thank you Chief Boykin and Jan, I’ll never forget you guys!  Again thank you one and all , please take care and I hope you’ll show Adam the same loyalty and consideration you have always shown Starla and I over the past 43 years!

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And a very late addition to this month’s blog…..our oldest daughter Jillian Heuer was just voted the 2016 Outstanding Member of the Year for her service on the Board of Directors of the Women’s Council of Realtors!  Way to go Jillian….we are all soooo proud of you!

Wishing you and your family, an AWESOME 2017, and thank you again for all the good times. 

God Bless America,  Larry and Starla Heuer
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Understanding Why Renters Insurance Is Important

If you’re one of the millions of Americans that rents a home, condo or apartment, chances are you’ve either had renters insurance in the past, or currently do have a policy. If you don’t have a policy, you’ll want to really pay close attention to this post.

In its most basic form, renters insurance helps cover your personal belongings from fire, theft, vandalism and other losses as well as provides you with some basic liability coverage in the event you’re found liable for bodily injury or property damages. There are also different types of renters insurance policy. A replacement cost policy will help pay for replacement of your items as if they were new. A nice thing considering that depreciated jeans, furniture and computers won’t help you become whole again.

A recent article from the Insurance Information Institute states that less than one-third of all renters (31%) have a renter’s insurance policy. Why is that? Do people assume that since they pay rent, their items are covered by that rent cost? Do they assume their landlord has insurance and it would cover this loss? Do they think maybe their auto insurance covers some items? The answer to this is that none of these items will likely cover any of your items. Only a renter’s insurance policy will.

There are 2 basic types of renters insurance:

  1. Actual cost value: Pays to replace your damaged or stolen items up to your policy limits, less depreciation.
  2. Replacement cost: Pays to replace your damaged or stolen items up to your policy limits with new ones, no depreciation.

Some additional things to consider is if you have expensive jewelry, musical equipment or collectibles that you want to insure. This may require a “floater” to be added to your policy.

One last item to ponder is how much liability you want to be covered for. You can get up to $500,000 in liability coverage. This will protect you from lawsuit. If you want even more coverage, you should consider a personal umbrella insurance policy. This goes above and beyond your renter’s limits to provide even more coverage.

Renters insurance is very inexpensive. It can come in around just 50 cents per day.

If you’d like to learn more about renters insurance in Nevada, call Heuer Insurance Agency.

Heuer Insurance Agency in Sparks has worked with a variety of clients in the Reno area over the years and we are confident in our ability to meet your personal or business insurance needs. We understand how important an insurance policy can be and we take time to match each of our clients with the perfect insurance policy. Whether you are looking for auto insurancerenters insurancehomeowners insurance, or life insurance we can help you. Not only can we provide you with each of these personal insurance policies, but we can also help you find a general liability policy, workers compensation policy or commercial building insurance policy. Give us a call at 775-358-5554 or visit us.

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Do You Know How to Dispose of Hazardous Household Items?

Whether you’re purchasing a new home or have lived in the same house for years, chances are there is old paint and other household items that require special disposal in your crawlspace or garage.

Batteries:  The average American household goes through over a dozen standard batteries a year. There are several types of batteries. Alkaline batteries come in sizes like AA, AAA, C, D and 9V and can simply be disposed of in your standard garbage can. Alkaline batteries no longer contain dangerous substances like mercury (eliminated around 1993). However, it’s important not to throw away a large number of alkaline batteries together. Also, if you use rechargeable batteries like AAs or AAAs, you should recycle them.

Car batteries and small tractor batteries contain lead and sulfuric acid. These batteries should be taken to a recycling center. Many auto parts stores will actually pay you to recycle the battery at their location. Auto Zone is one of these many stores currently offering a $5 store credit for recycling your battery there.

Paint: Latex paint is considered non-hazardous by all states except California. If you have a home in California, visit this site for recommended disposal.  For all other states, it is recommended to dry out the leftover paint with cat litter or a latex paint hardener specifically made for drying out leftover paint such as this product from Home Depot. You can then dispose of the paint in your curb-side garbage collection.

CFL and Fluorescent Light bulbs: These energy efficient bulbs contain mercury. They should be recycled at a local recycler. Many states including California, Maine, Massachusetts, Minnesota, New Hampshire, Vermont, and Washington require the bulbs be recycled and not disposed of in your common household trash.  Some major home improvement stores like Home Depot and Lowes have recycling centers available. Look towards their returns desk for a drop-off.

Keep your eye out for local recycling programs in your community. These are often sponsored by the city you live in and makes disposing of household waste simple.

Heuer Insurance Agency in Sparks has worked with a variety of clients in the Reno area over the years and we are confident in our ability to meet your personal or business insurance needs. We understand how important an insurance policy can be and we take time to match each of our clients with the perfect insurance policy. Whether you are looking for auto insurancerenters insurancehomeowners insurance, or life insurance we can help you. Not only can we provide you with each of these personal insurance policies, but we can also help you find a general liability policy, workers compensation policy or commercial building insurance policy. Give us a call at 775-358-5554 or visit us.