DON’T MAKE MY HOMEOWNERS POLICY MISTAKE! Insurance Tips That Will Save You Money I recently moved my home and car insurance policies from one company to another — and wow, was that a learning experience! I consider myself a pretty savvy auto insurance consumer thanks to my work, but my new agent (Kaye Nichols with State Farm) showed me just how much I still have to learn about home insurance. Here’s one crazy example. When I first sat down with Kaye, I asked her to compare my old policy to the new one she quoted me. One of the first things she pointed out is that my old home insurance policy included homeowners association (HOA) coverage, and hers didn’t. For context, that insurance will cover you if your fence or shed isn’t HOA compliant and the HOA sues you. Now here’s the crazy part: Dave and I live in the country. We don’t have an HOA! There are zero scenarios in which we’d need that coverage. But until Kaye came along, we paid for it. That situation reminded me why it’s critical to be picky about your insurance company AND your agent. If you own a house and multiple vehicles and your agent hasn't asked you a bunch of questions, you should probably look for someone better. I highly recommend Kaye for both home and auto. You can reach her at (502) 499-9981 or kaye.nichols.pbbm@statefarm.com .
HAVE A LAUGH!
These ultra-soft and chewy chocolate chip cookies will melt in your mouth!
INGREDIENTS
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2 1/4 cups all-purpose flour
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3/4 cup granulated sugar 3/4 cup packed brown sugar
1 tsp baking soda
Now, here are a few more things you should know about insurance.
1 tsp salt
1 tsp vanilla extract
1 cup (2 sticks) butter, softened
2 large eggs
1. A great homeowners insurance policy will have increased dwelling coverage. This helps offset the increased costs due to supply and demand during a catastrophic event or even debris removal! 2. If you live in Kentucky, you should never choose a $1,000 personal injury protection (PIP) deductible for your auto insurance. You'll never get that money back after a crash! Instead, paying a few extra cents to not have any deductible for PIP that will save you $1,000 per person when hurt in a wreck
2 cups (12-oz package) semi-sweet chocolate chips
DIRECTIONS
WE WANT YOU TO THINK OF US AS YOUR LAW FIRM. If you have a legal matter that needs attention, let us know. If we can’t handle the matter, we will refer you to a firm that can. Please feel free to refer us to your friends and family for their legal needs. We welcome the opportunity to help. 1. Preheat oven to 375 F. 2. Combine flour, baking soda, and salt in a small bowl. 3. Beat butter, granulated sugar, brown sugar, and vanilla extract in a large bowl until creamy. 4. Add eggs, one at a time, beating until blended. 5. Gradually beat in flour mixture. 6. Stir in chocolate chips. 7. Arrange dough in rounded teaspoonfuls on ungreased baking sheets. 8. Bake 8–10 minutes or until golden brown. Cool on baking sheets for 2 minutes; move to wire racks to cool completely.
3.
If you live in Indiana and only have the lowest underinsured motorist (UIM) coverage, you're wasting your money. Why? If someone with even minimum liability coverage hits you, your UIM will be useless! Ask your agent what the best option is for your family.
If you have any more auto insurance questions, call my office! We’ll review your policy for free.
call or text (502) 771-1LAW (1529)
WWW.EMERYLAWOFFICE.COM | 3
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