Author Archives: sarah@kkmpr.com

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What My CIC Designation Means For My Clients

Sherelyn Yetter Schoch, CIC
President, Yetter Insurance

 
Today’s insurance and risk management industry is vast, complex, and full of confusing variety. As you consider what kind of coverage you need for your unique set of risks and exposures, keep in mind that my training as a Certified Insurance Counselor (CIC) has prepared me to be the competent and proven advisor you need.

My drive as an individual is what led me to go for the CIC designation. It represents a career-long commitment to stay on top of important industry changes and to be aware of new risks that arise so that I may better serve my clients.

I am the kind of individual who is not content to just collect annual commissions. I want to be the best that I can be. I use my education to gain an in-depth understanding of the nuances of complex risks and the best way to address them.

Training to become a CIC includes 100 classroom hours and five comprehensive exams. Additionally, I attend continuing education courses every year to keep my knowledge and skills up to date in order to ensure that you always receive the attention, care, and current information necessary to make your coverage decisions.

The CIC designation and pin are marks of distinction that demonstrate my commitment to professional excellence and leadership in the insurance industry. I am proud to be among 31,500 CICs in the country, “the best and most knowledgeable insurance practitioners in the nation.”


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Riding a snowmobile in winter

Insure Everything From Fun To Function

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Insurance provides financial support and reduces uncertainties. It provides safety and security against particular events. Insurance provides a cover against sudden losses. It’s important to insure everything that’s both vital, like your house and car, as well as fun, like a boat or snowmobile. Ensuring a safety net for these items will save a lot of possible headaches and out-of-pocket expenses if a covered loss were to occur.

Car Insurance

Car insurance is one necessity that can feel very burdensome, especially when it comes to paying for it each month. The range of costs, types, and quality of policies is a lot for anyone. The Insurance Research Council estimates that 14 percent of the driving population in America is uninsured, which may be due to economic factors, cost, and confusion about auto insurance. At Yetter Insurance, we work with you to determine your auto insurance needs and personalize your service to bring you the protection you deserve at the best value. There are several criteria that go into our assessments of how much coverage you should purchase.

Home Insurance

Whether you’re buying a new home or you’ve already paid off the mortgage, you may have wondered about the value of home insurance. Your home is likely one of, if not the most, valuable assets you have. Homeowners insurance helps protect that investment — and you — in a variety of ways. Not only does it just protect your home, but can also cover personal property, your family, and any guests you have.

Snowmobile Insurance

Winter weather can be unpredictable, but your snowmobile insurance shouldn’t be. Snowmobiles can cost several thousand dollars, with top of the line models exceeding $15,000. With an investment like that, you want to make sure you have the right insurance coverage.

What are PA and NY Snowmobile Insurance Requirements?

Pennsylvania and New York both require riders to carry liability insurance.

According to the PA DCNR:

If you plan to ride your snowmobile on property that is not owned or leased by you, you must carry liability insurance. Proof of that insurance must be carried with you when you ride. There are no minimum requirements or coverage standards established by DCNR or the Snowmobile/ATV Law for the liability insurance.

According to the New York State Parks department:

All snowmobiles operated on any part of a roadway or shoulder of a highway in New York State must be covered by minimum liability insurance. New York State Parks law requires snowmobilers to carry liability coverage in the minimum amount of $10,000 for an accident involving one person, $20,000 for an accident involving two or more persons, and $5,000 for property damage from one accident. Proof of insurance must be carried by the snowmobiler and must be displayed on request of any magistrate, law enforcement officer, or anyone who has suffered personal injury or property damage as a result of the snowmobiler’s actions.

Do I Need Year-round Snowmobile Insurance Coverage?

Do you need year-round coverage on a vehicle you only ride in winter? Between the cost of the snowmobile, maintenance, and riding gear, snowmobiling can be an expensive sport. You may be looking to save money by only insuring your snowmobile part of the year—but is it worth it?

Typically, you’re better off buying year-round coverage for several reasons. The cost difference between year-round and partial-year coverage is usually small enough that it makes sense for most customers to opt for continuous coverage (and continuous peace of mind.) Even when your snowmobile is in storage, the risk of fire, flood, and other accidents is still present. A year-round policy can guarantee protection for your investment.

A Yetter Insurance agent can help you find ways to save on your snowmobile insurance. You may receive discounts if you complete a safety course, are a homeowner, are a safe driver, and more.

Boat Insurance

When deciding on the proper insurance for your boat, it’s important to be aware of the factors that come in to play. The age of your boat, the length, value, speed/horsepower, condition, and type all have an effect on which policy is right for you. The proper coverage can protect you against minor damages, major damages, and expensive towing costs.


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Traveling Soon? Don’t Forget To Pack Some Insurance

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Traveling creates memories that you’ll never forget; it’s an experience from beginning to end. Before you go, I’m sure you create a checklist of things you need to bring. Clothes *check*, toiletries *check*, Insurance? Yes, you should pack some travel insurance, too. Anything can happen on your trip — make sure you’re thinking ahead just in case. Let’s go over some key travel insurance aspects you may want to consider.

Trip Cancellation Insurance

For many, trip cancellation insurance is going to be the most useful. Some airlines offer their own kind of trip cancellation insurance, but it’s not as comprehensive as a policy that we can offer you at Yetter Insurance.

A standard trip cancellation policy covers the nonrefundable financial penalties or losses you incur when you cancel a prepaid flight for an acceptable reason such as sickness. This means if you or a travel partner accidentally injures themselves a few days before your trip and can no longer attend, you won’t have to worry about losing the money you paid for the trip.

Medical Insurance

Medical Insurance is important to have if your current policy does not cover you internationally. If you have an accident while overseas, you want to make sure that your medical bills don’t have to come straight out of pocket.

Even if your health plan does cover you internationally you may want to consider buying a special medical travel policy. Much of the additional coverage available is supplemental, which means it covers whatever expenses your health plan doesn’t, such as deductibles.

Theft Protection

When you’re packing for a long trip, odds are you’re bringing a lot with you. This makes theft especially worrisome when you consider the value of the items you’re packing along, whether it be laptops, tablets, cameras, or smartphones.

Purchasing theft protection may be as simple as adding the items on to your homeowner’s insurance before leaving on the trip. Before you leave, it’s a good idea to take an inventory of and photograph all the high-value items you’re bringing. That way if any items are stolen, this information is helpful to both your insurance company and the police.

Baggage Insurance

For baggage that is lost, delayed, or damaged, make sure that it is included in your policy. If it isn’t, it’s important to add it on, as lost baggage, sadly, is quite common and can put a damper on the trip.

Did you find this information useful? Happy with your service from Yetter Insurance Agency Inc.? Consider telling a friend about us or writing a Google review; it’s the highest compliment we can receive!


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Don’t Make These 7 Silly Security Mistakes

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Regardless of whether you live in a rural or urban area, burglaries happen. In 2017, on average, a burglary occurred every 18 seconds in the United States. You can avoid being part of a statistic by avoiding to make these seven silly security mistakes.

 

House keys outside

Leaving A Spare Key Under The Door Mat

Even an inexperienced burglar has seen enough cartoons and movies to know that many people leave a spare key to their house under the front door mat. If this is where you hide your spare key, it’s probably best you look for a better spot.

 

Ladders in backyard

Leaving A Ladder In The Backyard

If you own a ladder, keep it locked in your garage or in your basement. Most people don’t secure the top floor of their house as well as they do the ground floor, often forgetting to lock the upper windows. If you allow a burglar the opportunity to reach the second floor of your house, you may end up paying for it.

 

dark porch light

Having Limited Light Around Your House

A well-lit house is a secure house. A burglar is less likely to rob your house if they think someone will see them. If you have a singular spotlight pointing toward your driveway, that isn’t going to be enough. Outside lights around your doors will deter a burglar from breaking in.

 

Forgetting To Lock Windows And The Garage Door

Typically, as soon as you enter your house, you lock the front door behind you. Right before you go to bed, you most likely will lock the side or back door as well. However, many forget to lock their windows and garage door before heading to bed.

 

Full mailbox letters

Forgetting To Stop The Mail

If you’re going on vacation, be sure to either stop the mail to your house or have a neighbor pick the mail up for you. If a burglar is walking past your house and sees a stack of mail outside, they might pick up on the fact that you’re not home. This is an open invitation for burglars to break into your home.

 

dog

Relying On Your Dog To Keep You Safe

Your dog isn’t guaranteed to attack or even bark if an intruder comes in the house (unless it’s a squirrel, perhaps). There are many other home security measures that are more reliable than our furry companions. Be sure to take additional measures to keep your home safe.

 

social media apps

Posting About Future Plans On Social Media

You’re probably taking tons of pictures and having a great time on vacation, but don’t post it on social media. Intruders may be looking at public social media posts to find potential leads on houses to rob. Save your excitement until you get back, then you can post all the pictures you want — risk free!

 

You can be as safe as you want, but sometimes things happen. When they do, make sure you have the proper insurance. At Yetter Insurance, we can help you with the proper policy to ensure peace of mind.

 

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Wait…I Can Insure That?

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When we think of insurance, we imagine home, auto, and even boat coverage. However, many don’t realize just how far you can go as to what you can insure. From a model taking out a policy covering the damage to her legs, to a comedian taking out a policy just in case they lose their sense of humor, oddities in the world of insurance aren’t that unusual after all. Here are just a few of the strangest things people have insured in the past.

The most expensive insurance policy issued for a cigar was written by Lloyd’s of London. The cigar is over 12 feet long and was made from more than 15,000 tobacco leaves. In case you were wondering, the cigar holds the world record for the longest cigar.

It is possible to purchase insurance against alien abductions. Around the US, more than $10 million dollars in alien abduction insurance has been written, with higher payouts available for people who are abducted frequently. Keep in mind that this is very difficult to prove.

Bruce Springsteen, well known for his unique vocal qualities, has his voice insured for an impressive $6 million dollars.

Famous model and America’s Got Talent judge Heidi Klum has her legs insured for $2.2 million. In the 1940s, Twentieth Century Fox had insured Betty Grable’s legs for $1 million each—that is even more impressive!

American comedian Rich Hall has an insurance policy that protects him for up to $1 million dollars if he loses his sense of humor.

The Santa at the Macy’s Department Store in New York has his beard insured for an undisclosed amount. However, we can understand why.

If you have something *ahem* unusual that you would like to insure—or to discuss more traditional insurance policies—then give our experienced team at Yetter Insurance a call.

Did you find this information useful? Happy with your service from Yetter Insurance Agency Inc.? Consider telling a friend about us or writing a Google review; it’s the highest compliment we can receive!


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Tie The Knot (Then Insure It)

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Congratulations! You and your significant other just got married, and now you’re starting your new life together. Before you get caught up in all of the exciting changes to come, there’s something you should consider insuring—the ring around your finger.

Types of Ring Insurance

There are two commonly used ways to insure an engagement ring. The first is through an extension on your renter’s or homeowner’s insurance policy. Your existing homeowner’s policy provides coverage for items in your home, but only up to a certain dollar amount. Purchasing an extension would provide additional coverage against theft.

The second option is to purchase a personal inland marine policy. This policy is separate from your homeowner’s or renter’s insurance policy, and it provides coverage against theft, misplacement, or loss of valuable items, such as your wedding and engagement ring.

Who Needs It?

You do — if you have bought a wedding or engagement ring, you should purchase insurance.

Why You Should Get It?

Purchasing a ring insurance policy not only honors the monetary value of the item, but also what the ring itself represents — protection and security for something you love and cherish. Although the sentimental value cannot be replaced, in the case of loss or theft, insurance can cover the cost of replacement.

Additional Info

  • If you insure the ring through your homeowner’s or renter’s insurance, make sure to update your policy if you move.
  • The yearly cost of insuring a ring is $1-2 for every $100 it would cost to replace it.

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Yes, Even College Students Should Think About Insurance

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The first thing most colleges make you aware of when you live in a dorm is that they are not responsible for damages or loss of personal property. This means that all the expensive gear in your dorm is essentially unprotected. With the rising prices of college gear, it’s important to make sure you have the proper insurance.

Between textbooks, a computer, smart phone, tablet, television, mini fridge, a bike, and more, the average college student has thousands of dollars just sitting in their dorm room. According to the National Center for Educational Statistics (NCES), over 13,500 cases of theft are reported every year on college campuses. While security measures can be made, like padlocking your gear, the proper insurance will help you after the fact. Odds are, after spending tens of thousands of dollars on college tuition, a college student won’t have the financial means to replace these items out of pocket.

When wanting to insure your college gear, it may be as easy as adding it to a parent’s homeowner’s insurance. Come on in to Yetter Insurance Agency, and we will sit down with you and look over your current plan. We can help you fill in those spots that you might be missing.

Did you find this information useful? Happy with your service from Yetter Insurance Agency Inc.? Consider telling a friend about us or writing a Google review; it’s the highest compliment we can receive!


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Family Outing

Don’t Let Summer End In A Bummer

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We’re about halfway done with the summer, and it’s going entirely too fast. Hopefully, you’ve had some time to get out on the lake, go camping, and make time to enjoy yourself.

Summer is the time people bring out their boats, all-terrain vehicles (ATVs), and recreational vehicles (RVs). Whether you are required by law to insure your ‘toys,’ or you want to be a little more secure, there are crucial decisions to make when looking for coverage. While they’re not too different from purchasing standard automobile insurance, there are a few variations to consider.

RV Insurance

Just like auto insurance, a minimum of liability coverage is required for RVs in every state. Depending on your insurance plan, you can receive additional coverage for your belongings stored in the RV, RV accessories, such as awnings, satellite dishes, and installed appliances, as well as total loss replacement and uninsured motorists. Of course, the type of RV insurance you will need is based on several things. The state you live in, the class of RV, how far you travel, and the custom features are all factors that play into the best plan for you.

ATV Insurance 

Both Pennsylvania and New York require ATV owners to purchase liability insurance if they wish to drive places other than their own property. ATV riders should still consider purchasing a policy to protect themselves and others. The proper insurance can protect against property damage, medical payments, collision coverage, and comprehensive coverage that pays for damages to an ATV that are non-collision related. This includes theft, vandalism, flooding, earthquakes, fires, and other causes.

Boat Insurance 

When deciding on the proper insurance for your boat, it’s important to be aware of the factors that come in to play. The age of your boat, the length, value, speed/horsepower, condition, and type all have an effect on which policy is right for you. The proper coverage can protect you against minor damages, major damages, and expensive towing costs.

Did you find this information useful? Happy with your service from Yetter Insurance Agency Inc.? Consider telling a friend about us or writing a Google review; it’s the highest compliment we can receive!


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This Past Storm Season Was Rough, How To Prepare For Next Year

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2018 has been a little rough in terms of storms, more so than usual. Areas like Dingmans Ferry, Bushkill and East Stroudsburg had numerous storms where houses and cars were damaged. With warmer days ahead of us, we should look to see how we can prepare for next year’s storm season.

Cut Possibly Damaging Branches Around Your House If you live in a rural area, there are trees everywhere and it’s difficult to avoid them. However, it might be beneficial to walk around your property and cut down any dead branches that might not last in a big storm. This will lower the risk of damage during the next storm.

Inspect Your Roof In a storm, your roof may be one of the first things damaged. Before the storm hits, have it checked out to make sure there isn’t any preexisting damage or leaks. That way when the storm is here, your roof in its best shape.

Protect Your Car – Maybe it’s time to clear out that garage of yours and actually make room for your car. Even in light storms, cars can be hit by branches, hail, and rust from exposure to the elements. A car cover can also help protect your car from debris and shield it from other environmental damage like uv rays and precipitation.

Update Your Insurance – Sometimes, even taking precautions isn’t enough. Come on in to Yetter Insurance Agency and we will sit down with you and look over your current plan. We can help you fill in those spots that you might be missing.

Did you find this information useful? Happy with your service from Yetter Insurance Agency Inc.? Consider telling a friend about us or writing a Google review; it’s the highest compliment we can receive!


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girl in car

Deciphering Car Insurance

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One of the biggest milestones young Americans reach is when they earn their driver’s license. It represents the freedom to go wherever and whenever you’d like. As many drivers have learned by now, cars often come with a lot of obligations and rules to follow.

Car insurance is one necessity that can feel very burdensome, especially when it comes time to pay for it each month. The frequently eye-watering costs and confusing types and quantity of policies explain why the Insurance Research Council estimates that 14 percent of the driving population in America is uninsured.

At Yetter Insurance, we work with you to determine your auto insurance needs and personalize your service to bring you the protection you deserve at the best value. There are several criteria that go into our assessments of how much coverage you should purchase.

A patchwork of laws

Every one of the 50 states has its own rules on car insurance. Depending on whether you live in Pennsylvania or New York can dramatically change your the kind of auto insurance you must have.

Liability coverage helps cover the costs of any victims’ injuries and damages that result from a car accident that you caused.

Pennsylvania requires $15,000 per person and $30,000 total per accident in bodily injury liability coverage. State law also requires $5,000 in property damage coverage. Additionally, the state requires that you purchase a minimum of $5,000 in medical benefits coverage.

New York, on the other hand, mandates $10,000 for property damage for a single accident, $25,000 for bodily injury to one person and $50,000 for bodily injury to all persons involved in an accident.

Another difference between New York and Pennsylvania requirements is that only drivers who are registered in New York must buy at least the minimum limits of uninsured/underinsured coverage. This is to protect yourself in case you are involved in an accident with someone whose insurance is inadequate. Not having this coverage means that you will have to pay for all damages incurred by the other driver. Although uninsured/underinsured motorist coverage is not required in Pennsylvania, it is recommended by our agency.

Finally, it is important to understand the no-fault laws in both states. New York regulates that each driver involved in an accident will be covered by their own insurance policies for any damages suffered. In order to avoid such potentially costly civil suits, all drivers must carry $50,000 minimum in basic no-fault insurance coverage.

In contrast, Pennsylvania mixes the no-fault system with tort or “at fault” law. Policyholders have two options: a limited right to sue, or the full right to sue for medical costs and pain and suffering. The limited tort option allows you to sue for all medical costs incurred from a car accident. This option comes with a cheaper premium but will limit your right to sue for pain and suffering.

Collision and comprehensive coverage can be useful

In both states, other types of coverage like collision and comprehensive are not required; however, they are probably worthwhile for you. Collision insurance will help pay to repair or replace your car if it’s damaged in an accident.

Comprehensive insurance covers damage to your vehicle not caused by a collision, like weather events, animal damage, vandalism, or theft.

If your area has a high rate of any of those factors and you likely could not afford to replace or repair your car in such incidents, you should consider collision and comprehensive coverage.

Also, if you are paying for your car with a loan or you are leasing it, your lender or leasing company likely will require that you buy such coverage.

Driving less means buying less gas and insurance

Driving fewer miles a year than the average driver means the potential for cheaper car insurance rates—and can affect the amount of coverage you want your policy to include. The less you drive, the lower your chances of getting into an accident. Being less likely to get in an accident means that you are less likely to have to pay out-of-pocket for damages that exceed your policy limits.

Protecting your assets with liability coverage

Getting in an accident where you cause bodily harm to another person can wreck your finances. The amount of liability coverage you carry should be high enough to protect your assets in the event of an accident. In the event of serious harm inflicted upon the other driver, you may be sued for a large amount of money. The greater the value of your assets, the more you stand to lose.

To get a rough idea of your net worth, calculate how much it would cost to replace everything you own. Most experts recommend a coverage limit of at least $100,000/$300,000, but that may not be enough.

Buying more insurance than you’re required to may seem like an unnecessary expense, but it’s important to educate yourself about the options available for car insurance. Becoming a well-informed consumer will protect you and your wallet.


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