A Message To Our Progressive Customers

Progressive returns $1 billion in premium to customers

Today we announced that we’re providing credits of approximately $1 billion in premium to Progressive personal auto customers as a result of fewer claims that come with less frequent driving.

Subject to approval by state regulators, Progressive personal auto customers who have a policy in force as of April 30 will be credited 20% of their April premiums in May and personal auto customers with a policy in force as of May 31 will be credited 20% of their May premiums in June. We estimate that the sum of these two credits will total approximately $1 billion. We may offer additional credits in the upcoming months.

Customers will not need to take any actions to receive the benefits. The credits will be applied automatically to the customer’s policy and those customers who have paid in full will receive a payment of the credited amounts. Please be assured that this action will not affect commission payments. Customers will see it reflected in their accounts within a few weeks after month-end.

If they have a balance on the policy, we’ll apply the credit directly to the remaining balance. And if they’ve already paid in full, we’ll return the money to the payment account we have on file—please make sure your customers’ payment details are up to date.

Progressive CEO Tricia Griffith explained, “We understand how difficult and uncertain people’s lives are right now. While auto insurance might not be the most pressing topic on everyone’s mind, we know that finances could be. For our customers who have trusted us to be there in their times of need, we’re fulfilling that promise. We want them to know how much we care. Always guided by our core values, doing the right thing is vitally important to us. We know that by sticking together and taking care of one another during these difficult times, we’ll come through this stronger. We want our current customers to remain our future customers.”

We’ll continue to monitor the effects of the coronavirus situation and share updates as needed as we look for additional ways to help agents, customers, and our communities move forward. In fact, we’re finalizing plans on a number of initiatives designed to help you, our agent partners, during this time—look for additional information next week.

In the meantime, be well and stay safe. Thank you for partnering with Progressive.


A Message From Safeco Insurance

Taking care of our customers, employees and agents is a top priority for Safeco. We recognize the uncertainty and financial challenges many of our joint customers are facing as the nation bands together to slow the spread of the coronavirus. To help Safeco customers, we have taken the following actions:

Personal Auto Customer Relief Refund

Fewer drivers are on the road, which means fewer accidents. With this in mind, we are announcing our Personal Auto Customer Relief Refund, which will return approximately $250 million to our Liberty Mutual personal lines and Safeco auto customers. Here’s how it works:

  • Personal auto insurance customers will receive a 15% refund of two months of their annual auto premium as of April 7, 2020, pending regulatory approval.
  • The refunds will begin in April and will be issued either by check or in the manner the customer made their most recent payment.
  • The payments will happen automatically. Customers do not need to call Safeco to receive a refund.

Safeco agent commissions WILL NOT be affected by this 15% customer refund.

Payment flexibility options

  • Late fee charges have been automatically stopped and cancellations due to non-payment have been temporarily paused for personal auto and home customers from March 23 through at least May 22, 2020.
  • We continue to work with individual customers to extend payment dates if needed and provide personalized support.

Delivery coverage expansion for auto policies

  • All personal auto policies have been expanded to cover customers who use their personal vehicles to deliver food and medicine.  Standard Safeco personal auto policies typically exclude such coverage.
  • This additional protection is in effect for all personal auto policies in all states for losses occurring from March 16 to May 22, 2020, and reported by July 1, 2020.

For more information on all of the information above, customers can visit www.Safeco.com/Covid-19.

The well-being and support of our customers, agents and employees remain our primary concern during this critical time. I really appreciate the work you are doing to support our shared customers, and I thank you for your continued partnership.

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April Newsletter

Letter from Heuer

Greetings to our faithful readers. You may or may not have noticed, but we are a little behind with our newsletters. We have a lot going on here at Heuer Insurance and just haven’t had the time to reach out. We have some big staff announcements to share.


Anniversary Corner

Cheryl recently celebrated her 20th Anniversary with HIA! This is a major milestone and one that didn’t go unnoticed. We pulled the staff together for a celebration and presented Cheryl with a custom fire pit from Twisted Steel. Those of you that work with Cheryl know that she is truly one of the best this industry has seen. Please join me in congratulating Cheryl on her anniversary.

Gina, just today, celebrates her 8th Anniversary with HIA! Gina has been the master of first impressions with the agency for quite some time now and we couldn’t imagine anyone better at fielding calls, walk in clients and all the various tasks we throw at her on a daily basis. Please also join me in congratulating Gina.


Employee Spotlight

We have a new team member in our Commercial Lines Department. Jenelle comes to us with a couple years of experience and is eager to learn everything about the insurance industry. She has completed most her training and is off and running on her own. We have made a shift to the account split in the office and those of you that were affected have been notified. We are very happy to have Jenelle on the team and are confident you will enjoy working with her as well.


Industry 101 – 6 Tips for Preventing Water Damage from Appliances

Did you know that washing machines are one of the main sources of water damage to homes?  Others that top the list include hot water heaters and dishwashers. Fortunately, there are a few easy and inexpensive steps you can take help to prevent these types of losses:

  1. Check for leaks:  Thoroughly check the area around appliances for any signs of leaking every four months.
  2. Check supply hoses: Check the supply hoses regularly to ensure a tight connection, and no breaks or tears. It’s a good idea to replace supply hoses for washing machines and dishwashers every five years even if there are no signs of wear. Sometimes, wear only shows on the inside. Reinforced, steel braided hoses are recommended.
  3. Read the manual: Always refer to your manufacturer’s guidelines for types of soap and load recommendations for the washing machine and dishwasher. Most new washing machines require HE detergents.
  4. Flush your water heater: It is recommended to flush your water heater once per year to ensure you have fresh water and to remove sediment.
  5. Don’t leave running appliances unattended. Try to only operate washing machines and dishwashers when someone is at home.
  6. Replace hot water heater as needed. It’s recommended to replace the hot water heater when it is nearing the end of its life expectancy, even if there aren’t any problems. As the water heater ages, the risk of a slow leak or sudden burst increases.

Leak detection systems are a great tool to monitor your appliances, and even automatically shut off water in the event of a detected leak.  While there are expenses with a leak detection system, it might just score you a discount on your homeowners policy! Leak detection systems can be added to individual appliances or an entire house.

Of course, not all losses can be prevented, but following these tips should lower your chances of a loss. In the event of a water leak, it is important to know where your water shut-off valve is located so that water can quickly be turned off to minimize damage.


Calendar of Events

April 21st – Easter
May 12th – Mother’s Day
May 27th – Closed for Memorial Day
June 16th – Father’s Day


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Heuer Insurance Celebrates 90 Years of Service!

A GREAT time to write a blog about how long your family business has been providing insurance protection to the community is right after the Norther Nevada Business View formally announced that Heuer Insurance Agency is the 9th oldest business in the Reno/Sparks area still in business today! Isn’t that something? I’ll bet when our founder Clarence Heuer woke up one morning in 1929 knowing it was his first day of offering insurance through Heuer Insurance and Real Estate, he was full of excitement and scared to death… What he didn’t know was The Great Depression would hit our Nation that year.   It’s hard to imagine the steps he must have taken to survive in that time in history, but he did.  And to this day, so do we by caring about our clients, our community and our staff, now and for many years to come.


Besides the excitement of being named the 9th oldest running business, we are overjoyed to announce TODAY is the 90th Anniversary of our agency. This is still a family owned and operated local business employing local insurance professionals and providing a large list of very loyal clients excellent insurance coverage through some of the best carriers our industry has to offer.


With any milestone comes an opportunity to tell a story. This last month we were the cover story of the local magazine Red Hawk Living. This really is an exciting time for Heuer Insurance!   Through all this, we never, ever forget we couldn’t have made it thru a single year without YOU, our loyal clients, friends and family!   So, thank you one and all.

Read more

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November Newsletter

Difference Between Homeowner’s Insurance and a Home Warranty:

There are a lot of people buying new homes in our area and during the escrow process, you might be presented with the option to buy a home warranty policy. Have you ever stopped to wonder what’s the difference between that home warranty and the equipment breakdown coverage you might see on your homeowners policy?

Our friends at Safeco Insurance Company provide us this brief explanation…Both types of documents provide coverage for things like well pumps, dishwashers, garbage disposals, ovens, washers and dryers as well as your refrigerator and water heater. The difference is, with equipment breakdown coverage the loss must be sudden and accidental in nature and overall wear and tear is specifically excluded. The Home Warranty on the other hand covers normal wear and tear, whereas accidental damage is not covered. In short, if it’s sudden and accidental there is a good chance your Homeowner’s Insurance will cover it, if it’s an instance of wear and tear we suggest you check with your Home Warranty if you have one.

If you have any specific questions call your agent at Heuer Insurance.

Agency Happenings:

We spent Halloween afternoon cleaning up our “adopted” park. We were fortunate to have beautiful weather and enjoyed the time outside as a team doing our part in helping keep our community clean.



Shameless Plug:

Don’t forget our referral program! Congratulations to Theresa N. and Paula C. They were dual winners in September.

There’s plenty more chances to win this year. Like us on Facebook and tell your friends about us. You could be next!

Above all, THANK YOU for your continued business, we so appreciate it! We have a ton in store for our upcoming 90th Anniversary. Be sure to stay tuned for some exciting announcements…

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October Newsletter

Insurance News:

Wow it’s STILL hot and dry out, and wildfire season is still upon us big time! Have you seen the newest blaze that sparked over the weekend in the Ruby Mountains? Just devastating to some of the finest country Nevada has to offer. As we saw this past summer, even living inside the city limits does not make us immune to wildfires.  We’ve talked in the past about defensive space between your house and flammable bushes, trees, or weeds. Now is the time to give your property a hard look again, are you ready in case wildfire gets too close to your house?  We suggest incorporating fire prevention into your annual fall clean up.  Besides the whole defensive space conversation, here are Ten Tips for Wildfire Safety:

1). Turn a light on in each room
2). Close all windows, doors and fireplace dampers
3). Remove curtains and flammable materials from windows
4). Turn off all pilot lights and shut off propane tanks and natural gas
5). Seal attic and ground vents
6). Place outside furniture inside
7). Prop a ladder against the house for easy access to roof
8). Connect garden hoses to outside taps
9). Wet the roof and shrubs within 15 feet of all structures
10). Continually check the roof, attic and yard for embers, smoke and fire for at least 12 hours

Agency News:

We had two anniversaries this past month. Michelle Meeks celebrated 19 years and Derek Moore celebrated 2 years. The two of them play a pivotal role in our Commercial Lines Department. If you’ve had a chance to work with either of them directly I think you’d agree, they are great!

As you may have seen on Facebook, the team played hooky last week and spent an afternoon at Hammer & Stain working on a Fall project. We had a great time! If you haven’t been there I’d highly recommend you go visit.

That’s all for now but stay tuned, we have some exciting things happening that we can’t wait to share! As always, thank you for your business and continued loyalty.

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Heuer Insurance Agency’s August Newsletter

As we look to close summer, families are planning for their Sons or Daughters to be moving into a college dorm or residence. We often get asked, “How does Lauren or Mark moving out of the area to attend school affect our insurance?” That’s a great question and we need to look for both the exposure of Liability/Property insurance AND Car insurance.

       Now keep in mind, some policies coverage details are different than others, so we talk in general terms for today’s blog. If you have specific questions I recommend you talking to your friendly agent at Heuer Insurance. In a nutshell most homeowners policies coverage for the distant student will automatically extend from your home, in the amount of 10% of your coverage C, or Property coverage. The Liability coverage for that distant student is also typically extended from your homeowners’ policy. Any “high valued” items like a computer or expensive bike, might want to be specifically listed in your homeowner’s policy, that way you can be sure you have the proper coverage and the deductible is also waived. Sounds simple huh?

       The situation on how it affects your car insurance policy is a little different but straight forward as well. Again, I suggest a conversation with your Heuer Insurance agent to discuss any specifics. First off, the rates remain the same as though they still lived at home. Even better than that, at times there are discounts for “Distant Students” and “Good Students”. If this scenario sounds like your family, that call to Heuer Insurance is important!



       As for agency news, we had two work anniversaries since we last wrote. Two key players celebrated another year with the office. Debi Baucom hit 41 years and LaRee Cobb 32. We couldn’t do it without these guys. Please help me in congratulating them on another milestone!



      Thanks for reading this month’s blog and THANK YOU for all the business we get to handle for you! Don’t forget our referral program. Some good money has been handed out as well as two tickets to see Keith! Get in on the action and you could be our next lucky winner!