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Office Anniversaries, Client Testimonials, Fire Prevention and More!

Happy Friday to our loyal followers. The Friday before a 3 day weekend is always a busy one so we will make this month’s newsletter short and sweet.
First we want to congratulate Derek Moore on his 1 year anniversary. In today’s economy it’s becoming harder and harder to find new members for the team and we feel we got lucky with Derek. He is doing a great job and we look forward to the future.

I also want to congratulate Michelle on her 18th anniversary… She wouldn’t let me put in a picture, but she cant stop me from congratulating her!!!
We also want to take a second to highlight a couple of our most recent testimonials. We are in the service industry and fully understand consumers have the right to do business with anyone they want. We are fortunate to have such a great client base and one that isn’t afraid to tell us and their friends what a great job we are doing.
“You guys are the very best I’ve ever dealt with” – Kris T
“New to the Nevada area and was shopping for house insurance. I spoke to Dustin Snell, he found the best rates for us and it was such an easy process! I was so happy with his service we switched my son’s auto to him also and will be changing my own auto next. Highly recommend him, he’s the best to deal with and all the services the agency offers” – Lisa C
“I’ve had at least one and often multiple policies with Heuer Insurance since 1980. The reason I come back year after year is because of the customer service. Even if I haven’t called the office in ages, they remember me (or do an amazing job acting like they do) and the staff is so very efficient and cheerful.
I cannot think of another insurance agency — or any other business for that matter — with the same level of expertise and enthusiasm for what they do.” – Susan F
If you’ve had a great experience and would like to let us know, please take a second to leave a testimonial on our website. We love hearing from our clients! https://www.heuerinsurance.com/client-testimonials/
Now for our insurance plug – I think you will find the information useful… By now most of you have seen some of our social media posts about wildfire safety and defensible space. We have written about this same concern for. Those people who have taken our advice seriously and worked hard to improve your homes safety, we can’t thank you enough. This year’s awful fire season will have long lasting affects to our area, including limiting when or where we can target practice or even what the various municipalities will be doing regarding firework displays. Please….do your part to help not only your family but your entire community in keeping fire safety in mind. Our insurance company partners are working hard right alongside us in our attempt to keep our clients safe. We would like to highlight one of them specifically, Safeco Insurance Company. Safeco recently launched the Safeco Wild Fire Defense Program. The Wildfire Defense Program can provide crews to remove overgrown vegetation, fuel tanks or trash from a property. They may also use temporary sprinkler systems or fire engines and, in some situations, will apply fire-blocking gel to protect homes. What a GREAT idea and we thank Safeco Insurance Company for going the extra mile.
We will close by taking the time to thank our beloved Firefighters. We just couldn’t live in our desert environment without the team of firefighters that once again, showed mother nature who’s boss, and kept our community out of danger. We drove out to Pyramid Lake recently and the fire and retardant lines got within feet of homes. NONE of those families would have homes today without the courage, hard work and loyalty of our Firefighters. THANK YOU Firefighters!!!!

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When to Add a Teen Driver to Your Insurance Policy

For your teen, learning how to drive is one of the most exciting times of their lives. Finally, a means to freedom so they think. We all remember the excitement of getting our driver’s permit, then our driver’s license. While your teen driving has its benefits, it also comes with a great amount of responsibility. Reminding your child that driving is a privilege and not a right can help them to remain in control and not distracted while driving.

For you, it is important to understand when to add your teen driver to your insurance policy.  While each state requirements vary, in most cases your auto insurance policy will cover your permitted driver until they acquire their driver’s license. At that point, you’ll want to add them as a driver to the insurance policy even if they do not have their own vehicle.

Avoiding adding your teen driver to the policy is not only against your insurance policy language, but can lead to a dreaded claims denial if your teen is involved in an accident and it is determined you purposefully avoided adding them. Be sure to contact your agent to discuss your options and determine when the best time to add the driver to your policy is.

Some things to keep in mind:

  • Some carriers offer Good Student Discounts if your student keeps their grades up.
  • If your teen child is doing delivery as a job such as pizza delivery or newspapers, this requires a special commercial policy.
  • Even if your rates go up because your child is on your insurance policy, if they have their own vehicle this could net you a multi-vehicle discount on your policy.
  • Having your teen on their own policy will likely lead to higher premiums.

Keeping your teen safe on the road is your number one priority. Keeping your family insured with the right coverage is ours. If you have a teen driver in the household, be sure to contact our agency to discuss what options might be right for your situation.

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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Heuer Insurance Spring Newsletter

So how happy are you to finally see some sunshine and warm weather?! It’s been a heck of a winter and who would have guessed we now have to worry about flooding. Nice to see our lakes and reservoirs full, but that’s a lot of water this early in the year. PLEASE show the Truckee River the respect it deserves and stay away until it stops raging…..and that might be well into the summer…so be careful if you are near moving water.

Do you have plans for some great BBQs? Read more

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Life changes, so should your insurance policy.

Imagine if we could buy just one insurance policy and be set for life. That’s a nice thought, isn’t it? Like the good things that happen in life, your insurance policy should change and adapt to your situations. The beauty of having a local, independent insurance agent is that they represent multiple insurance companies. One that surely will fit your current and future needs. Some things to consider when reviewing your current insurance:

Did I get married?

Marriage discounts, multi-car discounts, combined insurance policies, jewelry endorsements, life insurance, a new home? A lot happens when you get married – be sure your new life together is properly insured.

Did I complete a major remodel?

A new kitchen can add tremendous value to your home. Simple changes like bay windows, granite counter tops and hardwood floors dramatically improve and increase the value of your home, not to mention if you blow out a wall and add some additional square footage. Be sure your current insurance policy has enough coverage for all your changes. Review these changes with your agent.

Did I or do I want to get a new car?

If you’re considering a new car, your independent agent can tell you what the new premiums will be on that fancy new ride before you buy it. Be sure to consider the increased premium in the sticker tag of the vehicle.

Do I have a teen who will soon be driving?

Teen drivers can be quite the sticker shock. If you have a teen driver in the house, it is important to let your agent know. Most insurance companies require your teen driver be listed on the policy. Not adding the driver to the policy could cause major problems and even a claim denial if they’re not added timely. Be sure to ask your agent about teen drivers.

Did I purchase a new exterior building for my home?

Many insurance policies automatically include exterior buildings coverages for 10% of the value of your home. While not all do this automatically, if you install or build a detached garage or other structure, be sure you have enough coverage in the event it is damaged or a total loss.

Did I protect my home with a new burglar alarm?

Reviewing what discounts you currently have and looking for new ones is always a good thing to do. Burglar alarms, driving less, multi-policy discounts and more are great ways to reduce your premiums. Your agent can look for these automatically. They’re discount detectives. Next time you talk with yours, be sure to have them go over what discounts are available so you can take advantage of them.

Understanding insurance is difficult. Fortunately, when you’re insured with an independent insurance agent they can review your policy with you anytime and shop from multiple companies to determine the best company for your needs.

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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How to Avoid a Spooky Halloween Insurance Claim

Halloween can be some people’s favorite holiday. Whether it’s fun sized candy, making your own costume, setting up spooky decorations inside or outside your home or carving pumpkins, Halloween brings many of us joy. However, this holiday can increase your risk for an expensive liability claim if you’re not careful. Follow these five tips to ensure your holiday is fun and safe.

Prep Your Home for Trick-or-Treaters. Even if you don’t decorate the outside of your home, be sure your sidewalks, driveway and the entrance leading up to your front door is clear. You are liable if a child or adult trips on a broken branch, garden house or electrical cord on your property.

Keep Your Pets Indoors. Sometimes animals can be frightened by strangers or unusual noises. To avoid a dog bite claim, keep your animals inside in a separate room. The door bell ringing several times an hour can get your animal too excited or scared. Be sure they get a treat too.

Use LED candles. This can help prevent any trick-or-treater from knocking over lit candles close to your home. For your carved pumpkin, LED candles are much easier to use and can prevent any unwanted burns compared to lighting a candle.

Drive Slowly. If you find yourself driving home in the dark on Halloween night, be extra cautious of children and adults walking around your neighborhood who may not be using proper lighting. Be aware of your speed and don’t be a distracted driver.

Carry the right tools. If you plan to go out for trick-or-treating, be sure you have a flash light and a fully charged cell phone in the case you need to make an emergency call. Stay on the sidewalks and avoid walking through yards.

Happy Halloween!

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.