Umbrella Insurance Protecting You and Your Business When You Need It Most

Umbrella policies are a unique type of protection.  They exist on top of your other policies and only go into force when other policies have reached their coverage caps.  For example, if someone is injured at your home or business and you are deemed negligent, your home or commercial policy will cover their medical expenses.  If they sue, it will also cover their legal fees.  In another example, if your building or home is damaged or destroyed during a natural disaster, your coverage will help to rebuild.  However, when the policy cap is reached, the policy owner is responsible for anything above that.  In both examples, the amount can be too much for most.  An umbrella policy provides additional financial protection when other policies are maxed out.  Our agents at Redden Insurance Agency in the Bradley WV area are ready to talk with you.

Umbrella insurance, just like other insurance policies, are tool to protect you financially.  In the case of someone being injured on your property, your home insurance policy may cover $300,000 but if their medical and legal expenses are $500,000, you are responsible for the balance.  An umbrella policy covers these additional expenses and protects your assets.  A unique aspect of umbrella insurance coverage is that it provides protection in slander, libel or invasion of privacy cases. 

In the Bradley WV area, our team at Redden Insurance Agency is ready to help you with all of your insurance needs.  We can help you decide is if umbrella insurance is right for you.  Our agents will explain the policy details so that you can decide for yourself.  Explore the general information on our website then come by and see us.  Insurance offers important financial protection for you and your family.  Don’t delay!  Come see us today!

An Introduction to Motorcycle Insurance

That new 150cc motorbike you just bought your teen needs insurance. No matter where they ride it, you need to insure it. Here at Redden Insurance Agency of Bradley WV we can help you determine which of your two and three-wheeled rides need motorcycle insurance.

Legally, any two or three-wheeled vehicles of more than 49ccs must carry insurance. That means any motorcycle or trike you could legally drive on the WV roads needs insurance.

The alternative is you paying out of pocket for any accident your child causes. It also means replacing the bike at your own cost. Insurance provides the least-cost alternative.

WV requires minimum insurance on motorbikes, too. The law says you  must purchase insurance that covers:

  • property damage per accident of $10,000,
  • bodily injury and death liability coverage per accident per person of $20,000,
  • bodily injury and death liability coverage per accident of $40,000.

Just as there are other types of coverage for your car, there are motorcycles. You may also want uninsured motorist, collision and/or comprehensive coverage. If your teen will be riding their motorbike to and from school or work, you should also consider towing insurance. This means they would have tow service coverage in case of break down so you do not need to leave work to go get them and take the bike to the shop. It makes good sense to obtain full coverage.

We can help you determine the right level of coverage and help you understand the many facets of insurance types. Call us today at Redden Insurance Agency of Bradley WV to discuss your motorcycle insurance needs.

RV Insurance: The Coverage the You Need on the Road

Many families enjoy exploring nature in their RV.  RV insurance is needed before you ever head out.  Our team at Redden Insurance Agency helps RVers in the Bradley WV area get the coverage they need. 

RVs are required to have liability insurance.  The policy is similar to auto insurance with a few distinct features.  RVs are operated as a vehicle but it is also considered a temporary domicile.  The size and weight of the RV will determine the type of policy needed.  RVs are rated A, B or C with C class “midsize RV” being the most popular.

Most RV policies include replacement costs in case the vehicle is stolen or totaled in an accident.  It will also cover anything attached to the exterior such as a satellite dish or awnings.  It will also cover any personal items inside the vehicle such as clothing, sports equipment, camping gear and electronics.  Your agent will also talk with you about how often you and your family use the RV.  If you only use it once a year for an annual camping trip, this may change which policy and amount of coverage that they recommend. 

At Redden Insurance Agency, our agents are ready to help you get your RV covered.  We know that owning an RV in the Bradley WV area is a great way for friends and family to enjoy quality time.  Our website has some information but to get personalized attention, come in to visit with one of our agents.  They will be able to discuss the best options for coverage and answer any questions that you may have.  Unfortunately, accidents happen when you’re on the road.  Getting adequate insurance coverage before anything happens is a smart move.  Come in and see us!

Protect your WV home with a comprehensive policy

Homeowners in the greater Bradley WV area understand the many benefits of homeownership. However, there are still residents who have inadequate insurance to protect their family home. With a comprehensive home policy, WV residents can rest assured that they have the protection they need. Here at the Redden Insurance Agency, we are ready to work with clients to help them determine which policy is a good fit for their needs, and which policy levels make sense. 

Comprehensive Home Insurance Policies in West Virginia

Basic home insurance can help protect your family home from a number of different catastrophic events, but the protection can be significantly less than that provided by a comprehensive policy. Today is a good time to review your policy with a local agent to determine if it provides the protection that you and your family need. A comprehensive policy can provide features like compensation for alternative housing in the event that your home becomes uninhabitable due to a covered event. This is just one example of how a comprehensive home policy can ease the stress caused by a catastrophic event damaging or destroying your home.

It is important to verify that you have the coverage that you need prior to needing it! Finding out after damage has occurred that your insurance is inadequate can make a difficult situation even more stressful and damaging to your family. Review your home policy today and find out if comprehensive insurance is a good fit for your family’s insurance needs.

Is it time to upgrade your homeowner’s policy to make your coverage more comprehensive? Contact the team at Redden Insurance Agency today to find out more about the home insurance policy options that are available in the Bradley WV area. We look forward to working with you!

Driving Habits that Can Improve Safety on the Road

Good driving habits can reduce your risk of causing an accident. Fewer accidents on your driving record could help qualify you for reduced auto insurance costs. The following tips from Redden Insurance Agency, Bradley WV, can help you develop good driving habits that will improve your safety on the road.

Drive Defensively

When you drive defensively, you look out for the welfare of others and make safety a priority. In addition to following road rules, you make an effort to avoid dangerous situations that increase your risk of an accident. This includes driving distractedly, driving when you’re fatigued and driving under the influence of alcohol or drugs.

Slow Down

Speed is one of the biggest causes of accidents, particularly on the highway. By obeying speed limits, in both city and highway driving, you reduce your risk of accidents. Slowing down will enable you to maintain better control over your vehicle to avoid collisions or running off the road.  

Signal When Changing Lanes and Turning

Neglecting to signal when changing lanes or turning increases your risk of causing an accident. Your turn signals reveal what you plan to do when driving so other drivers can anticipate your actions and react accordingly, in a safe and timely manner.  Using your blinkers when changing lanes or turning increases safety on the road.  

Yield Right of Way

Yielding the right of way is another safe driving habit that can help protect you against accidents. It keeps traffic flowing smoothly, reduces your risk of rear-ending another driver and may even curtail instances of road rage, particularly during rush hour.

Safe driving habits combined with the right auto insurance coverage will protect you and others against mishaps on the road.  For help in obtaining the auto coverage you need, contact Redden Insurance Agency, Bradley WV.

Commercial Coverage Mistakes Every Businessman Should Avoid

One of the most important decisions you’ll make as a business owner is purchasing commercial coverage. Business insurance is a necessity to protect your business from risks that threaten your financial growth. At Redden Insurance Agency, Bradley WV, we can guide you in selecting the coverage you need. Working with an experienced agent can help you avoid the following mistakes in purchasing a business insurance policy. 

Compromising Coverage for Price

When it comes to insurance protection, getting quality coverage is more important than saving money. A cheap policy may save you money initially but could cost you much more over the long run. By comparing what different companies have to offer, you’ll more likely to find a commercial policy that offers the protection you need at a reasonable price.  

Purchasing a “Generic” Policy

Commercial insurance isn’t one size fits all. Before selecting a policy, it’s important to discuss your business needs with an agent you trust. At Redden Insurance Agency, we’ll assess your company’s services, risks, and financial portfolio to determine what type of coverage would be best for your company. We’ll then personalize your policy to provide the specific protection you need. Customizing your coverage ensures your company is getting optimal protection without paying for unnecessary “fluff.” 

Failing to Consider Income Losses

Most business owners purchase commercial property insurance to protect their building, equipment and supplies/products from disaster loss. Many, however, fail to consider the loss of income if they have to shut down for repairs after a major disaster. Business interruption coverage compensates you for lost revenue, payroll, the rental cost of your building and other operating expenses during downtime to facilitate your recovery.

To learn more about commercial insurance options and costs for your Bradley WV business, call or visit Redden Insurance Agency today.

Can I cancel my private policy if I get married and get added to my spouse’s health insurance?

Just when people were getting used to the new healthcare system, new rules were added this year. It can seem overwhelming, especially for people who get their health insurance through the market. At least if insurance is offered through an employer, the choices are more limited, which isn’t necessarily good.

If you live in Bradley WV and purchase your own health insurance policy, you will find that you have a lot of choices. Redden Insurance Agency can help you find a policy through different companies with different features, like different co-pays, deductibles and overall coverage.

The one thing that doesn’t usually change is the enrollment period. Normally there is a time period at the end of the year, usually around November, where anyone responsible for a health insurance plan can add people, take them off, adjust the coverage and deductible, and make other changes. Once those changes are made, they can be difficult if not impossible to change.

However, there are exceptions for certain qualifying events. A qualifying event may include

  • the birth of a child,
  • the adoption of a child, 
  • marriage, 
  • divorce,
  • a change in hours meaning the holder of an employer-sponsored plan is no longer eligible for benefits, and
  • an end of employment where the individual or family received benefits from the job

If you have health insurance in Bradley WV, marriage is considered a qualifying event as far as making changes in a health plan. Depending on the situation, newly married people might add a new spouse or also add the children of the new spouse.

If you want to learn more about your options regarding your health insurance plan, or if you have questions about an existing plan, please feel free to call Redden Insurance Agency today.

3 Reasons to Consider an Umbrella Policy

Umbrella insurance increases your liability coverage to protect you against large liability claims that exceed the limits of your home, auto or condo liability coverage. No one is exempt from accidents. A serious mishap in your home or on the road could lead to a lawsuit, putting you at risk of losing tens of thousands of dollars. Here are a few good reasons to consider purchasing an umbrella policy from Redden Insurance Agency, Bradley WV.

Accidents Happen

People are fallible, making them susceptible to committing mistakes that can cause accidents. If injuries or property damage from an accident you cause exceeds your primary liability coverage, you’ll have to pay the remaining costs. Umbrella insurance covers these costs to save you from financial loss.  

Primary Liability Coverage is Limited in the Protection It Has to Offer  

Your home, auto, and condo liability coverage is limited in the protection it has to offer. These limits may be inadequate to protect your financial assets or meet the risks of your lifestyle. Once these limits have been exhausted, you’ll have no recourse but to cover excess damages of large claims out-of-pocket. Umbrella insurance picks up where your primary liability coverage leaves off to protect you against the unexpected.   

Lawsuits Today are Rampant

You don’t have to be a millionaire to get sued for damages. If you own real estate property or have savings or investment funds, you’re a candidate for a lawsuit if the occasion warrants it. Losing a major lawsuit could cost you your home, savings, retirement funds or income from future sources. Umbrella insurance protects you against lawsuits by covering your legal fees and settlement, up to the limits of your umbrella policy.

To learn more about umbrella insurance and all it has to offer, contact Redden Insurance Agency, Bradley WV.

5 Tips for Safe Motorcycle Riding

People ride motorcycles for different reasons. Some want to save time. Others want to save money. Many just want to enjoy greater freedom on the road. Learning how to ride safely is key to enjoying your motorcycle to the full. The following safety tips from Redden Insurance Agency, Bradley WV, can help protect you on your travels.

Service Your Bike

Regular maintenance will keep your motorcycle in excellent shape for short or long-distance travel. It’s also good to spot check your motorcycle every time you take it out to make sure the lights, signals, brakes, and tires are in good working order.  

Wear Protective Gear

Protective gear to include a full-face helmet, leather jacket, boots, and gloves can help protect you from serious injury in the event of an accident. If you’re riding at night, be sure to wear reflective clothing so you can be easily seen by other drivers.

Keep an Eye on the Weather

Keep an eye on weather conditions where you’ll be riding. If the forecast calls for rain, ice or snow, consider another form of transportation. If you do ride in bad weather, avoid speeding by giving yourself plenty of time to arrive at your destination safely.   

Use Signals and Stay Visible

Keep your headlight on at all times and use signals to let other drivers know when you plan to turn or change lanes for passing. Give yourself ample space to maneuver and stay visible by avoiding other vehicles’ blind spots.  

Ride Defensively

Avoid dangerous situations that can lead to an accident. Don’t drink and ride. Stop and rest on long-distance travels to avoid riding when you’re tired. Make safety a priority.

Last, but not least, make sure you have adequate motorcycle insurance coverage for your travels. Call or visit Redden Insurance Agency, Bradley WV, today for all your motorcycle insurance needs.

How to Plan a Successful RV Road Trip

Advanced planning is key to a more enjoyable, relaxing RV road trip. Advanced planning will enable you to make good decisions concerning your road trip destinations, travel dates, and budget. You’ll also have time to purchase RV insurance for your travels. The right insurance coverage from Redden Insurance Agency, Bradley WV, will give you confidence that you’re well-protected on the road.

When planning ahead for your road trip, consider the following:

Destination

Choose your destinations and plan your routes for getting there safely without wasting time or money. RV road trips offer great opportunities to explore new places and partake in activities you’ve never done before.  

Condition of Your RV

Make sure your RV can handle the rigors of a road trip by having it professionally serviced before hitting the road. Have your technician check the brakes, battery, hoses, belts and tires. Make sure all systems and appliances are working properly within your RV to avoid problems during your travels.

Timing

Choose travel dates carefully to avoid weather conditions that can keep you from enjoying your road trip to the full. By traveling off-season, you can avoid dealing with holiday traffic, lack of places to stay and higher fuel and food costs.  

RV Camp Sites  

Reserve your RV campsites in advance so you have safe places to rest at the end of the day without having to pay exorbitant prices.

Budget

Make a budget for your road trip to avoid overspending. A budget will make it easier for you to manage your fuel, food, campsite, and recreational activities costs. It will also keep you from breaking the bank on your vacation and regretting it later on.   

For quality RV insurance to protect your road trip travels, call or visit Redden Insurance Agency, Bradley WV.