Can I get more comprehensive insurance, since I live in my RV?

What does RV Insurance Normally Cover?

If you have an RV for personal, recreational use, you can normally insure it for up to 260 days per year.  Your policy will be based on the class of your RV, and will be based on its value. You can base your coverage on the stated, market value, the agreed value for which it is insured, or how much it would cost you to replace it. Cordell Insurance in Baton Rouge, LA can help you find a policy based on your needs.

Liability coverage is standard and required by law, and covers you in case you involved in an accident. Your policy will have limits for property damage, medical bills, and underinsured claims much the same way regular automobile insurance does. Many of your personal effects will be covered, such as personal items like clothing, and may or may not include roadside assistance.

How Can I Get Extra Coverage to use my RV as a Residence?    

If the situation is only temporary, you might want to choose Vacation Liability. This covers your damages if you stop driving and use your RV as a home for a limited period of time. You may need extra coverage if you are in Mexico, or if you need to store your RV.

If you actually use your RV as a primary or secondary home, you will need full-timers insurance. This kind of policy is similar to a homeowners policy, You will have a comprehensive policy which covers everything from theft, to vandalism, to fire or broken glass.

If you want to purchase a comprehensive insurance policy for your RV, of if you just have questions, call Cordell Insurance, proudly serving Baton Rouge, LA.

What is Umbrella Insurance and what Will it Cover?

An umbrella insurance policy is additional liability insurance that can help cover unexpected circumstances that are not otherwise covered in your general insurance policy. Having an umbrella insurance policy is an important part of protecting yourself and your property. Umbrella insurance will cover you for potential lawsuits, claims, injuries and much more. If you live in Baton Rouge, LA, and are interested in getting an umbrella policy, Cordell Insurance is here to walk you through the process. So, let’s consider what exactly is covered in an umbrella policy and why it is important to have.  

What kind of insurance is provided under an umbrella policy? – An umbrella insurance policy provides additional liability insurance that extends beyond the coverage of your current homeowner, boat and auto insurance policies. Umbrella insurance picks up where the coverage on those other policies ends. Umbrella insurance will also provide coverage for legal issues and fees, lawsuits and liability for rental properties that you own. This includes damage, injuries and lawsuits.

Is an umbrella policy needed if I already have solid insurance coverage? Absolutely. Remember, an umbrella policy will provide additional insurance coverage for the unexpected- outside of what you already have. It isn’t until the unexpected occurs that people consider thing like others’ bodily injury (dog bites, falls and other injuries that occur on your property or because of your negligence) property damages and exorbitant legal fees and lawsuits that you may find yourself wrapped up in. Umbrella policies will cover those expenses when you are at fault toward others. Basic policies will only cover your property damage, bodily harm etc.

Essentially, an umbrella insurance policy will provide you with peace of mind as you will be protecting yourself, your family and your business from potential future losses from injuries, property damages and lawsuits.  

RV Driving Tips for Beginners

The first few times you get behind the wheel of your new RV, it will be exciting and a little intimidating.  Just a short trip in the Baton Rouge, LA area traffic can be hair-raising.  RV’s today come with all the amenities that make it almost as easy to handle as any other vehicle and a comfortable ride.  Familiarize yourself with the differences before your first trip. 

  • Due to the size of many RV’s, it’s vital that you take the time to adjust the seat so you can comfortably reach everything for that long trip.  Adjust the mirrors with particular attention to the side mirrors.
  • Know the RV’s clearance level so you are aware of heights you need to avoid.  Become acquainted with which states require a special oversized load permit if your RV is over the width limit allowed. 
  • Learning to maneuver your RV will take a little practice.  Spend some time in an open space, and if you don’t feel comfortable, you may want to consider an RV driver training course.
  • When driving up and down steep hills, learn to use the engine instead of the brakes to help control the vehicle.  A general rule: downshift pulling the hill and leave it in the same low gear on the descent to avoid burning up the brakes.
  • When driving in traffic, keep in mind the blind spots often are larger, and you need to pay more attention to traffic patterns.
  • Driving an RV in severe weather conditions, especially high winds can be dangerous.  You may want to stop and wait out the storm until you are a more seasoned driver.

Cordell Insurance

Cordell Insurance provides RV insurance to the Baton Rouge, LA area.  Contact a Cordell independent agent today to discuss your RV insurance options.

Is Your Patio Ready for Summer Fun?

With warm weather on the horizon, now’s a good time to prepare your patio for summer entertaining. A comfortable and attractive patio will make BBQ’s and summer parties that much more enjoyable for the whole family. Here are a few ideas to help you get started.

Clear and Clean

Clearing and cleaning are the first steps toward getting your patio back in shape for summer. Get rid of clutter that may have collected over winter, dust down furniture and sweep and mop flooring.  Look around to see if surrounding landscaping is in order. You may need to clear out weeds, prune trees and shrubs or replant your garden to spruce up the area. Surrounding your patio with beautiful plants and flowers will greatly enhance its decor.

Renovate Patio Furniture

Next, evaluate your patio furniture to see if it needs refurbishing or replacing. If your metal or wooden pieces are old and worn, a good paint job could give these items a more polished appearance. Power-washing teak furniture and applying tung oil will help bring out its beauty and preserve its finish. If you plan to use your patio extensively over the summer, you may want to invest in new furnishings and accessories to create the patio environment you desire.    

Prep Your Grill

Unpack your grill and set it up for the summer season, making sure you have all the grilling tools and supplies you need. Test your grill before organizing a BBQ or party to ensure it’s working properly.  

Before hosting summer events, take time to review your homeowner’s insurance to ensure you have the coverage you need.  Your Cordell Insurance agent in Baton Rouge, LA can help with any updates to your policy. Adequate insurance coverage from Cordell Insurance will protect your guests and home in Baton Rouge, LA against any eventuality.   

Know What to Expect: What is Involved in a Life Insurance Physical Exam?

While many people don’t want to think about the need for life insurance policies, they are a necessity to ensure that you loved ones are taken care of in the event of your death. Cordell Insurance in Baton Rouge, LA knows the importance of maintaining a life insurance policy as well as what is involved in obtaining one.  While not all policies require one, many companies now request those seeking a life insurance policy to obtain a physical before the policy can take effect.

What to Expect from Your Life Insurance Physical

During your physical, the doctor will take down your medical history as well as check your height and weight to determine you BMI.  They will also take your vitals such as blood pressure and pulse and will inquire about any lifestyle issues such as smoking or alcohol use.   When they are questioning about personal history and lifestyle, they are often just ensuring that they are getting the same information that the agent received, so if the questions seem redundant do not worry.  If you are 60 years or older your insurance company may require that you take an EKG test as well.   In addition to the physical exam, the doctor will draw blood and take a urine specimen for testing.

Blood Test Required for a Life Insurance Physical

The blood and urine test will be utilized to assess your overall health as well as your risk for major medical conditions.

  • Heart and Arteries – Insurance companies will require blood tests to check how well your heart is functioning as well as your risk for future heart problems.  These tests will determine your LDL and HDL cholesterol levels, your triglyceride level, and the presence of beta-adrenergic blockers.
  • Kidneys and Bladder Function – Your doctor will take a patient history and discuss any history of urinary or kidney issues.  They will also order testing that will include creatine levels, the amount of protein in the urine, microalbumin, BUN, hemoglobin, and a PH screen of your urine.
  • Pancreas – You will be required to take pancreas function tests such that will measure your levels of fructosamine, urine glucose, and hemoglobin A1C.  These tests will ensure that your pancreas is performing its job properly, and there is now the presence of infection or any blood disorder.
  • Liver – Since anything you ingest will have to travel through your liver, they will use routine blood tests to ensure that your liver is performing appropriately and that there are no signs or cirrhosis or other long-term conditions.  The blood test will check for levels of AST, ALT, GGT, protein, albumin and globulin.  
  • Miscellaneous Blood Tests – In addition to the tests above you will most likely be given a screen for HIV, serum levels, and illicit drugs.

If you are interested in learning more about how physicals are used to determine your insurance rates or would like a life insurance quote, contact the experienced agents at Cordell Insurance in Baton Rouge, LA today.

Does Credit History Affect Auto Insurance?

When people apply for auto insurance in Baton Rouge, LA, their credit history often affects both premiums and the likelihood of acceptance. This means that your track record of on-time and/or late payments could influence rates. The same goes for any bankruptcies, defaults or foreclosures in your past.

Why?

Some Louisiana drivers wonder why this information matters. After all, the insurer isn’t providing a loan. Insurance companies believe that a person’s financial history helps reveal how likely he or she is to file a claim. Insurers may also consider it important because a policyholder with a high score is more apt to pay premiums on time.

Factors

An insurance provider may assess specific credit history data. However, numerous companies save time by only checking scores. The most commonly used rating is known as a FICO score. This number grades a person’s payment history based on an assortment of factors.

Major events like foreclosures and bankruptcies have the most significant impact on this score. Collection accounts also have a substantial effect. Other important factors include the average account age, account types, debt level, lateness and frequency of credit inquiries. It’s also crucial to consider the percentage of a borrowing limit that you’ve used.

No Credit

Your credit report may be blank if you haven’t used any loans or charge cards in many years. The same goes for people who divorce. This frequently results in moderately higher premiums. Nonetheless, it probably won’t raise your coverage costs as much as a largely negative history.

Cordell Insurance serves motorists in Baton Rouge, LA and the surrounding area. We have provided customized auto policies at competitive prices for more than 36 years. Our staff helps drivers compare coverage from numerous major insurers. To get started, please call Cordell Insurance at 225-767-8840.
 

5 Tips to Preventing Major Home Accidents

Having home insurance from Cordell Insurance in Baton Rouge, LA ensures you and your family are well protected against accidents. By taking necessary precautions, however, you can create a safe home environment that makes accidents nearly impossible to happen. The following safety tips can help in preventing major home accidents.

Fire Safety

During winter, supervise the use of portable heaters to reduce the risk of fire. Replace real candles with LED operated ones and keep cigarette lighters and matches far from a child’s grasp. Never leave pots unattended on the stove as they could catch fire. Make sure all smoke detectors are working properly and keep a portable fire extinguisher handy to keep fires from spreading.    

Accidental Poisoning

Keep all medicines, chemical cleaners, and garden products out of a child’s reach, preferably in a locked cabinet. Label all medications and keep them stored in their original boxes. Store cosmetics and perfumes out of sight as they can pose a threat to small children if inhaled or swallowed.

Slips and Falls  

Keep your home free of clutter to avoid tripping and falling. Secure rugs and runners with tape or non-slip pads so they don’t slide about. Install a safety gate on staircases to protect small children from taking a tumble down the stairs.  

Bathroom Safety

Always supervise small children in the bathroom, especially when bathing. Keep water heater at 120 degrees F to avoid hot water scalding. Store electric appliances such as hair dryers, electric shavers, etc., out of reach of children. Install grab bars in bathtubs and showers to prevent slipping and falling.

Lighting

Make sure stairways have ample lighting for safe usage, especially at night. Install night lights in hallways, kitchen, and bathrooms to prevent unnecessary accidents in the dark.

For more accident prevention tips or information on home insurance coverage to protect your family, contact Cordell Insurance in Baton Rouge, LA.

You’ve been in a car accident: Now what?

You’re a driver in Baton Rouge, LA and you suddenly find yourself in a car accident. Now what? Believe it or not, most people don’t really know the answer to this question. So a simple breakdown of exactly what to do when you are in a car accident in Baton Rouge is listed below, so that if you do ever find yourself in the midst of a wreck, you won’t panic.

MAKE SURE YOU AND EVERYONE ELSE IS ALRIGHT

First check yourself and everyone else. If you are in pain, try not to move unless you must away from the accident for your own safety. Check on others who were involved and make sure they are OK as well. Don’t worry about fault yet, that will be figure out later. Call the authorities or an ambulance if necessary so they can tend to more serious injuries.

CALL YOUR INSURANCE COMPANY

Call your local Baton Rouge LA insurance company, like Cordell Insurance who serves the area, and tell them exactly what happened and how bad the damage is or the injuries are. The more information you can give them the better, because your word getting in first can often be the difference of who is or is not at fault and who will pay for the damages. Of course, you may want to keep it somewhat vague as they will probably do an investiagtion of their own.

GET THEIR INSURANCE

Regardless of who is at fault, get the other person’s or peoples insurance and make copies so you can get in touch with their insurance company as necessary. You also want to do this to make sure they have insurance, which means if they are at fault they will be paying for it. If they don’t you will be the one who unfortunately ends up paying for everything. 

What Isn’t Usually Covered in a Homeowner’s Policy

You own a home in Baton Rouge, LA. That’s awesome! While you undoubtedly have at least some form of insurance for your property, it’s all too easy to just sign the paperwork without really knowing the depths of your coverage. In that spirit, Cordell Insurance has listed a few instances of things that are usually not covered in a standard policy.

Natural Disasters

This is a tricky topic because what is and isn’t covered varies by policy and region. The general rule of thumb is that earthquakes, floods, and mudslides are not covered by a standard homeowner’s policy. Even this can change if you’re in a high-risk area, but you should never assume that these are included. In most cases, if it’s a concern, you can add coverage for any of these instances.

Maintenance

When major damage is caused by something included in your policy, you can count on the policy to do its part in getting problems fixed. This does not, however, apply to routine maintenance. Seasonal routines like changing air conditioning filters or winterizing pipes are not part of your insurance plan. Uncovered issues also include clogged drains, faulty appliances, rust, pest problems, mold, rot and general wear and tear. The insurance plan is there to protect you from calamity, but the responsibility of normal care still falls on the shoulders of the homeowner.

Personal Liability

It is not at all uncommon for a policy to cover you in the case of third-party injuries. In fact, you should double check and make sure you have at least some of this coverage because you never want to be fiscally responsible for injuries that happen on your property. There is another side of personal liability, though, and it doesn’t fall under the umbrella of a homeowner’s policy. This is the side of personal liability that relates to defamation, slander and the like. For the most part, there aren’t many insurance policies for homeowners that would cover these issues, but if you want to dig deep, you can always talk to your Cordell Insurance representative to see what might be available. Living in Baton Rouge, LA can often be an adventure after all.

First Time Homeowners in Baton Rouge: What You Need To Know

Homeowners insurance policies can be hard to understand, but as a first-time homebuyer, you are in a more difficult position; trying to find an insurance plan designed to protect your largest asset, without knowing the basics of what it covers. Being under-insured can leave you dangerously exposed when you need protection the most. Here’s what you need to know about homeowners insurance.

Is Homeowners Insurance Flood Insurance?

This is a common misunderstanding among Baton Rouge, LA first-time homebuyers. Homeowners insurance isn’t the same thing as flood insurance. Flood insurance will protect your residence and property against damage caused by water, such as flooding, snow melt, rain, etc. Homeowners insurance doesn’t offer protection for this event. If you happen to live in a flood zone, you will be required to carry flood insurance by your mortgage lender. The coverage is optional, but recommended, if you do not live in a flood zone.

What Are Limits and Deductibles?

A deductible is the amount of out-of-pocket money you will have to pay for an insurable incident. Your policy may have more than one. Your insurance policy won’t offer a benefit payment unless the amount of your claim exceeds the deductible.

Limits are the maximum amount of benefits stated in your policy that your insurance company will pay out in the event of a covered incident. They should reasonably cover the value of your home and possessions, as well as exposure to liability claims. To increase your limits, ask Cordell Insurance about adding an umbrella policy for extra coverage.

Is My Personal Property and Contents Covered?

In addition to providing financial reimbursement for damages and losses to your home, homeowners insurance also offers protection for the value of your home’s contents and your personal property. This includes furnishings, electronics, clothing, music purchases and intangible software. You may need to purchase additional coverage for jewelry, art or antiques.

What is Liability Coverage?

You may be responsible for paying damages such as medical expenses and lost income if someone is injured in your home or on your property, even if the injury wasn’t a result of intentional negligence on your part. Homeowners insurance offers protection from these liabilities so that you can relax and not worry about inviting people into your home.

What Else Do I Need To Know About Homeowner’s Insurance?

There are a variety of events and incidents which are and are not covered by each specific homeowners insurance policy. In order to determine which policy limits and deductibles are necessary to fully protect your new Baton Rouge, LA home, and to learn what types of incidents are insurable, contact our office today. At Cordell Insurance, we’ll help you arrive at the perfect amount of homeowners insurance coverage for your individual needs.