RVIS Insurance Blog http://www.rvis.net A blog dedicated to the insurance industry- tips on saving money, facts consumers should know, and a little whimsy thrown in for fun. Hurrican Prepped? http://www.rvis.net/blog/view/1112 Mon, 20 May 2013 13:38:00 CDT http://www.rvis.net/blog?blogm=view&blogid=1112 June 1st marks the start of hurricane season, and experts predict a very busy season this year. Last year we saw some major storms, most notably Hurricane Sandy, and it’s possible that we may see similar storms ravage the East Coast.
Still Salty About Sandy?
After seeing the destruction of last October’s Hurricane Sandy, many people fear a similar storm will destroy their homes and other property. Although the experts say another storm like Sandy is unlikely, impacts such as storm surge, strong winds and heavy rain are possible as far as a few hundred miles from a storm. A storm like Sandy was a rare occurrence, but its impact could be felt up and down the Atlantic coast. Even seven months later, there are still many buildings and houses that are damaged and need repairing.
What to Expect this Summer
This summer, hurricane experts predict less storms but more powerful ones; especially on the southern Atlantic Coast. As these storms work their way north, we can expect to see heavier storms than usual. Heavy rainfall can also cause severe flooding, which can be just as frustrating as external damage to the home. And with a predicted 16 hurricanes this season (4 extreme ones), it’s very likely that we will see heavy storms as a result. But don’t count out another major East Coast hit! Hurricane development is like every other aspect of weather; it’s unpredictable. So what can you do to protect yourself from these storms?
 
-If your home is prone to flooding, secure basement windows and check sump pump for any malfunctions.
-Bring in all outdoor furniture, decorations, garbage cans, and anything else that is not tied down.
-Don’t wait until after the storm hits to buy a generator!
-Clear loose and clogged rain gutters and downspouts.
-Determine how and where to secure your boat.
-Lock all doors and windows—including garage.
-And most importantly, personal safety comes first!
 When it comes to hurricanes and heavy storms, it’s better to be prepared before it takes its toll on you and your home. Save yourself the headache, and be better prepared this year! If you need new insurance, want to discuss a current policy, or just want advice on how to protect yourself this year contact your favorite insurance agency. We have our own team of experts that will make this hurricane season a breeze for you and your family. 
]]> Considering Pet Insurance? http://www.rvis.net/blog/view/1111 Thu, 02 May 2013 08:40:00 CDT http://www.rvis.net/blog?blogm=view&blogid=1111
Special Breeds And Medical Problems
Some breeds are more prone to developing certain medical conditions, which are often permanent and require regular treatments- and that means lots of money. Most vet procedures are increasing in cost, so pet owners who foresee the possibility of multiple visits every year may want to consider buying pet insurance. Also, those who would be willing to spend anything to save a pet but are unsure about their finances may appreciate the peace of mind pet insurance provides. Many vet clinics ask for payment upfront, so some owners who cannot afford expensive treatments or surgeries are faced with the difficult decision of going into debt or having the beloved animal put to sleep.

Today's pet owners often wonder why vet bills are so expensive. There are two main reasons why costs are climbing. First, veterinary science is advancing and bringing new treatments with it. Some of the breakthrough treatments are still difficult to provide, which means the cost will reflect this. Everything from cancer radiation therapy to organ transplants are now offered for pets. While they were once used only on humans, MRIs and imaging devices are also be used on animals now.

Second, the cost of keeping up and running a veterinary business is increasing due to taxes, laws and other economic issues. Vets also have to pay more for high-tech equipment and upkeep of that equipment. In addition to this, they have to pay for their own malpractice insurance. All of these costs are then passed on to pet owners.

Many Of America's Pets Lack Adequate Coverage
Research shows that Americans spent more than $45 billion on their pets in 2009. Of this amount, more than 25 percent was spent on veterinary care. That number shows a 10 percent increase from a similar study conducted in 2008. Studies also show that the number of insured pets in America is really small. Of the 82 million cats and 72 million dogs reported as pets in 2007, only 850,000 animals were insured. Insurers and pet-friendly organizations have teamed up to help remedy this situation by offering pet coverage as a workplace benefit. Employers should consider adding this to their benefits package. However, consumers who do not have this workplace benefit and are considering buying pet insurance coverage should consider the following tips:

- Shop around to compare the various providers before making a decision. Plan inclusions and pricing vary greatly from one company to another.

- For those who have multiple pets, it is important to find out if the company offers discounts for insuring more than one pet.

- Ask about copay amounts, deductibles and caps. Find out if maximums are annual or based on a lifetime.

- Make sure the company is registered with the state.

- Read the exclusions carefully.

In some cases, pet owners may decide that pet insurance is not the right investment for them. There are several other ways to lower vet bills, which include the following:

- Take advantage of low-cost vaccination clinics at pet stores, animal shelters or veterinary offices.

- Ask vets for samples whenever medications are prescribed.

- Make sure pets maintain a healthy weight.

- Seek a second opinion before starting costly treatments.

- Avoid using cheap pet food that can cause medical problems.

- Look online for lower medication prices.

- Do not keep pets outdoors all day and all night.

- Keep pets on leashes while walking them to avoid accidents.

For those who have yet to buy a pet, it is important to research breeds before deciding which type of cat or dog to purchase. Whenever possible, it is always better to adopt an animal from a shelter instead of buying from a pet store or breeder. And remember- your favorite insurance agency is a pet friendly environment, with treats and toys!]]>