Vaughn Insurance Agency Company-Henderson KY

Snow and Ice and How NOT to Drive

James T Roll — Tue, 14 Feb 2012 12:00:13 +0000

Winter has been a little off this year with the warm days and thunder storms, but the slick roads have arrived. You should be thinking about the route you take now, so that you can plan your route to avoid known trouble spots.

I like to lay out my route to try and avoid routes that will take me on a hill or sharp curve. You may have to go a little out of your way, but if you can avoid these areas that can cause you to lose control of your vehicle, having a wreck, and possibly getting hurt, then the extra time spent laying out a route and going out of your way will be worth it.

We found this video on YouTube that shows what not to do. It starts out a little slow, but picks up fast. First it is a slight hill, the road is covered in ice, then a thin layer of snow. Now if these people would have planned out their route to avoid this section of road, their day would have possibly been better. You will see as you watch the video that people are not using good judgement. They are trying to pass other drivers, driving on the wrong side of the road, and some are going way too fast for the conditions. Hopefully no one was injured, although there were some very close calls.

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Be safe, we care.

Valentines Day Gifts- Are they insured?

Nibby Priest — Fri, 10 Feb 2012 13:00:30 +0000

If you are lucky enough to get a sparkling engagement ring for Valentines day, be sure to have it properly insured. Jeanne Salvatore, Senior Vice President and Consumer spokesperson for the Insurance Information Institute explains that a special policy called a floater will protect your expensive items from theft as well as “mysterious disappearance”.

We here at Vaughn Insurance Agency can answer your questions about giving and receiving expensive Valentines Day Gifts. Contact us for more information.

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Do you want to become a weather spotter?

James T Roll — Mon, 30 Jan 2012 22:09:26 +0000

The National Weather Service in Paducah KY will be conducting 10 Spotter Training Webinars in preparation for the upcoming severe weather season. These free webinars are open to anyone and will have all the content of their basic spotter class.

For a list of dates and times, or to register, visit their web page.

National Weather Service Paducah, KY 270.744.6440

Are you a weather spotter now?

Would you be interested in learning more about the weather?

Homeowners’ / Renter’s Inventory List

Nibby Priest — Tue, 27 Dec 2011 12:00:00 +0000

A devastating loss can occur in an instant. A Fire, Tornado, or Flood can wipe out all of your possessions.

Everyone needs a home inventory list in case of a devastating loss. It is much easier to do it now, than to wait until after a loss.

This link, KnowYourStuff, takes you to a free tool to download & prepare a home inventory list. It is part of the Insurance Information Institute.

We here at Vaughn Insurance highly recommend that you prepare a home inventory list and store it somewhere other than you home. I know all too well about trying to recreate a list of contents after a major loss. It is very hard to remember everything you had when the only thing you have left is a pile of burnt debris.

If you don’t want to take the time to prepare an inventory list, then you at least need to go through your home with a video camera and record everything you have.

Be prepared and be safe.

Picture provided by Central Kentucky Claims Service LLC

Do you have your home or office inventory up to date?

Original Post: April 28, 2009

Statistics on Homeowners Claims in 2011

Nibby Priest — Wed, 14 Dec 2011 15:11:00 +0000

Did you wonder why your homeowners insurance rates are going up so much? Take a look at these slides from the Insurance Information Institute and it will help you understand. Our weather patterns of late have really been causing havock with property insurance carriers.

Insurers expect to pay at least $2 billion each for the April 2011 tornadoes in Alabama and a similar amount for the May storms in Joplin Missouri.

Please be sure to contact us if you feel you are paying too much or have questions about your homeowners insurance coverage.

Fire Safety Quiz

Nibby Priest — Tue, 13 Dec 2011 18:16:55 +0000

Take the Fire Safety Quiz below. Around the Holiday and Christmas seasons we all need to be aware of potential fire hazards. This quiz will remind you of potential fire hazard risks.

Thinking of others this holiday season

Nibby Priest — Wed, 07 Dec 2011 18:00:05 +0000

The Travelers dog has a special bone that is the envy of all the neighborhood dogs. Watch and see how thinking of others this holiday season can brighten one dog’s day.

We here at GoVaughn.com Insurance are proud agents for Travelers Insurance. Ask us to quote your home and auto insurance with Travelers.

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Test Your Homeowners Insurance IQ

Nibby Priest — Fri, 25 Nov 2011 23:00:22 +0000

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Neighbors and Trees

Nibby Priest — Fri, 18 Nov 2011 12:00:31 +0000

A Frequently Asked Question on a day after a storm . . .

My tree fell on my neighbor’s property (deck, pool, fence, or house). As the property owner, am I responsible? Will my insurance pay for the damages?

Most of the time the answer is no and no.

So who will pay for the damages?

It is a claim on the other person’s homeowners’ insurance and not the property owner of the tree that did the damage.

Special circumstances can negate this. If the neighbor had warned the property owner about a potential problem with your dead tree, then you could be held liable.

Consumer Reports say that this is one of the most common causes of neighbor disputes. You can read the article that Consumer Reports has about this same issue.

We encourage our insureds that know they have an issue with an overgrown or dying tree to have the issue taken care of. If you know about a potential claim and choose to do nothing insurance companies can deny claims resulting from your negligence.

If you have a neighbor with a tree issue the best thing to do is write them a letter and send it via certified mail that their tree poses a danger and threat to you and your property and asks them to take action. If they fail to take action, and you have sent the notice you have stronger grounds to recover from them and or their insurance company.

If you have questions about this issue or any other issue relating to insurance, please contact our office.

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Originally posted 5/31/2011 7:00 a.m.

When life changes, so can your insurance needs

Nibby Priest — Mon, 07 Nov 2011 12:00:37 +0000

While wandering outside his house, the Travelers dog suddenly notices a glamorous female pooch. It’s love at first sight. With love-themed music in the background, we watch their blossoming summer romance. The last scene shows the dog walking into his living room with his prized bone in his mouth. Something stops him in his tracks: a litter of puppies!

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This major life change sets the stage for the commercial’s key message: “When life changes, so can your insurance needs”.

Life changes. Has your coverage?

Whether you’re starting out, settling down, or retired, protecting what’s important—that’s what matters most. Our guide can help you ask the right questions, so you can find the right insurance to fit your needs.

Travelers Dog Puppy Love