RDP Insurance Blog

My Experience in the Insurance Industry

Tue, 30 Aug 2022 18:14:55 GMT

I've been a part of the insurance industry for more than 7 years, and I'm proud to say that I've learned a lot during that time. But what I bring to my agency isn't really about the things I've learned—it's about the experiences I've had.

In the past five years, my family and I have lost two very important people in our lives. They were unexpected.

I can honestly say that having those losses has given me a deep understanding of what it means to have a legacy plan in place.

When you're facing your own mortality, accident or illness that of someone you love, it can be difficult to think about what will happen after you're gone. It's easy to feel like there's no way out, but as long as you have something you can rest easier knowing that there will be something left behind for those who care about you most.

And we don't just help people set up their legacy plans; we also make sure they're updated annually so they stay current with any changes in personal circumstances or financial needs (like new kids, new Home or expanding businesses!)

If you're curious about what a legacy plan review looks like keep reading!

Review your current insurance: Auto, Home, Life, and Business

Look at what coverages you have with an employer or other insurance companies. (We can stack and build to fill in the gaps)

Review your assets and ways to provide protection.

Protecting What Matters

Mon, 15 Aug 2022 23:04:26 GMT

When it comes to protecting your legacy, you want to make sure that you do everything in your power to protect it. And one of the best ways to do that is by investing in life insurance. Here are just a few reasons why protecting your legacy with insurance is so important:

1. It can provide peace of mind. Knowing that your loved ones will be taken care of financially if something happens to you can be a great peace of mind.

2. It can help ensure that your legacy lives on. If something happens to you and you don't have life insurance, your loved ones may have to sell your belongings or property to pay for your funeral expenses.

3. It can help you leave a lasting legacy. By leaving a life insurance policy to your loved ones, you can help ensure that they are taken care of financially even after you're gone.

4. It can be a great way to show your loved ones that you love them. Investing in life insurance is a great way to show your loved ones that you care about them and want to make sure they are taken care of financially no matter what happens.

Protecting your Children:
When it comes to protecting your children, you want to do everything in your power to ensure their future success. One way to do this is by setting them up with life insurance. This will provide them with the financial security they need to maintain their current lifestyle even if something happens to you. It can also protect your legacy, making sure your children are taken care of even after you're gone. Another option to consider is mortgage insurance. This will help them keep their home in the event of your death. By planning ahead, you can give your children the best possible chance at a bright future.
When you’re young, you may not think about life insurance. But the truth is that it’s one of the most important things you can buy. A policy can protect your loved ones financially if something happens to you. It can also help you maintain your current lifestyle if you become unable to work.

Most people think about life insurance when they have children. But the truth is, it’s important for everyone. Whether you’re single or have a family, you need to have life insurance.

Protect your Assets:
One of the biggest reasons to have life insurance is to protect your assets. If something happens to you, your loved ones will need money to pay for your funeral expenses and other bills. A life insurance policy can provide that money.

But life insurance is also important for protecting your legacy. If you have a mortgage, life insurance can help your loved ones pay it off. That way, they can keep the home that you worked so hard to buy.

There are many different types of life insurance policies. You need to find one that fits your needs. And you need to make sure that you re-evaluate your policy every few years.

Protect your Income: If you're like most people, you work hard to earn a good living. You want to protect your income and maintain your lifestyle in the event of something unexpected happening. That's where life insurance comes in.

A life insurance policy can provide peace of mind in knowing that you and your loved ones are taken care of financially if something happens to you. It can also protect your legacy, ensuring that your loved ones will be able to continue living comfortably even after you're gone.

One of the biggest benefits of life insurance is that it can help you protect your mortgage. If you die and still have a mortgage, the life insurance policy can pay off the balance of the loan. This can provide much-needed financial security for your loved ones.

When it comes to life insurance, it's important to choose the right policy for your needs. There are many different types of policies available, so it's important to work with an experienced agent who can help you find the right policy for your specific situation.

At RDP Insurance, we understand the importance of life insurance and we're here to help you find the policy that's right for you.

When Should I Review My Home Insurance Coverage?

Mon, 23 Aug 2021 15:58:20 GMT

Insurance is an important part of being a homeowner. Not only does it protect you from damages caused by things like fire and vandalism, but it can also protect your personal property or additional structures like garages, and provide liability coverage.

But when is it time to review your coverages? Should you evaluate your coverage monthly, yearly, or somewhere in between?

The most important times to review coverage

Let’s talk about events that should prompt you to review your home insurance coverage.

You’ve received a shiny new gift or bought something expensive: To eliminate the risk of not being covered if someone were to steal personal belongings, it’s important to review your home insurance coverage when you are keeping something expensive in the home.

If you’ve just received a beautiful diamond bracelet, an expensive new television system, or a timeless (and expensive) piece of artwork, it’s important to talk to an agent to ensure that you’re properly covered.
You’ve added square footage to your home: Many insurance companies base your coverage off of the square footage of your home. That means that if you add a new sunroom to your existing structure, it’s important to report it to your agent.

If not, in the event of a damaging fire or thunderstorm, your entire home may not be covered.
You got married: If you’re going to be adding another person to your home, they’ll likely bring all of their belongings with them. That means that the value of items in your home will increase — in which case, you’ll need to contact your agent to increase your coverage.
You’re starting a business out of your home: If you run a business out of your home, it’s important to report this to your insurance agency.

Why? You’ll need to have liability coverage for the employees that will be working under your roof, which will be a change to your normal policy.
Policy renewal is coming up: When your policy is set to renew, it’s a great time to review it.

Instead of hastily signing on the dotted line to renew your coverage, take time to read the fine print to see if coverage changed in price, if you’ve made any of the above changes to your home, or if there are any new discounts available.

For example, some insurance agencies will offer discounts for installing a security system to your home, and we all want the best price for our insurance.

Are you shopping for home insurance?

If you’re looking to purchase insurance for a new home, or simply looking for a change in policies, contact us to learn about your options! We’re an independent agency and we offer some of the best prices for home insurance in the area.